Bank of Marin Bancorp (BMRC) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.496 Good morning, and thank you for joining Bank of Marin Bancorp's earnings call for the 00:00:03.496 -- 00:00:08.582 third quarter ended September 30th, 2025. I'm Christy Meyer, Corporate Secretary for 00:00:08.582 -- 00:00:13.368 Bank of Marin Bancorp. During the presentation, all participants will be in a listen-only 00:00:13.368 -- 00:00:18.295 mode. After the call, we will conduct a question and answer session. 00:00:18.295 -- 00:00:22.721 Joining us on the call today are Bank of Marin President and CEO Tim Myers and Chief 00:00:22.721 -- 00:00:25.411 Financial Officer Dave Bonacorso. 00:00:25.411 -- 00:00:29.919 Our earnings news release and supplementary presentation, which were issued this morning, 00:00:29.919 -- 00:00:34.426 can be found in the investor relations section of our website at bankofmarine.com, 00:00:34.426 -- 00:00:37.431 where this call is also being webcast. 00:00:37.431 -- 00:00:43.378 Closed captioning is available during the live webcast as well as on the webcast replay. 00:00:43.702 -- 00:00:47.869 Before we get started, I want to note that we will be discussing some non-GAAP financial 00:00:47.869 -- 00:00:52.706 measures. please refer to the reconciliation table in our earnings news release for both 00:00:52.706 -- 00:00:57.813 gap and non-gap measures. Additionally, the discussion on the call is based on information 00:00:57.813 -- 00:01:01.238 we know as of Friday, October 24th, 2025, 00:01:01.238 -- 00:01:06.345 and may contain forward-looking statements that involve risks and uncertainties. 00:01:06.345 -- 00:01:10.691 Actual results may differ materially from those set forth in such statements. 00:01:10.691 -- 00:01:14.256 For a discussion on these risks and uncertainties, please review the forward-...