Avidbank Holdings, Inc. (AVBH) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:01.472 Good 00:00:01.472 -- 00:00:06.898 morning. Thank you for joining us today for Avid Bank's fourth quarter 2025 earnings 00:00:06.898 -- 00:00:11.662 call. Before we begin, let me remind you that today's call is being recorded and is available 00:00:11.662 -- 00:00:16.828 in the investor relations section of our website at avidbank.com, along with our earnings 00:00:16.828 -- 00:00:21.872 release and presentation material. Today's call contains forward-looking statements which 00:00:21.872 -- 00:00:26.097 are subject to certain risks, uncertainties, and other factors that could cause actual 00:00:26.097 -- 00:00:29.123 results to differ materially from those discussed. 00:00:29.123 -- 00:00:33.368 These statements are intended to be covered by safe harbor provisions of the federal 00:00:33.368 -- 00:00:38.234 securities laws. For a list of factors that may cause actual results to differ materially 00:00:38.234 -- 00:00:43.040 from expectations, please refer to our earnings release under the heading forward-looking 00:00:43.040 -- 00:00:47.505 statements, as well as the disclosures contained within our SEC filings. 00:00:47.505 -- 00:00:53.312 We will also reference non-GAAP financial measures alongside our discussion of GAAP results. 00:00:53.312 -- 00:00:57.437 We encourage you to review the GAAP to non-GAAP reconciliations provided in our earnings 00:00:57.437 -- 00:01:03.454 release. With that, I'd like to turn the call over to our chairman and CEO, Mark Mordell. 00:01:03.454 -- 00:01:05.196 Thank you, Gina. 00:01:05.196 -- 00:01:09.800 Thank you, Jordan. And thank you all for joining us for our second 00:01:10.182 -- 00:01:13.787 earnings call from being a public company. 00:01:13.787 -- 00:01:17.912 And I apologize for my voice....