Banner Corporation (BANR) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.538 Sure, Mark. Good morning. Our presentation today discusses Banner's business outlook 00:00:04.538 -- 00:00:06.742 and will include forward-looking statements. 00:00:06.742 -- 00:00:10.287 These statements include descriptions of management's plans, objectives or goals for 00:00:10.287 -- 00:00:14.734 future operations, products or services, forecasts of financial or other performance 00:00:14.734 -- 00:00:19.602 measures, and statements about Banner's general outlook for economic and other conditions. 00:00:19.602 -- 00:00:23.428 We also may make other forward-looking statements in the question and answer period following 00:00:23.428 -- 00:00:27.526 management's discussion. These forward-looking statements are subject to a number of 00:00:27.526 -- 00:00:32.271 risks and uncertainties, and actual results may differ materially from those discussed 00:00:32.271 -- 00:00:36.537 today. Information on the risk factors that could cause actual results to differ are 00:00:36.537 -- 00:00:40.762 available in the earnings press release that was released yesterday and the recently 00:00:40.762 -- 00:00:44.726 filed form 10-Q for the quarter ended September 30, 2025. 00:00:44.726 -- 00:00:49.152 Forward-looking statements are effective only as of the day they are made, and Banner 00:00:49.152 -- 00:00:54.118 assumes no obligation to update information concerning its expectations. 00:00:54.118 -- 00:00:56.118 Mark? 00:00:57.743 -- 00:01:02.851 Thank you, Rich. As is customary, today we will cover four primary items with 00:01:02.851 -- 00:01:08.479 you. First, I will provide you high level comments on Banner's fourth quarter 00:01:08.479 -- 00:01:12.141 and full year 2025 performance. 00:01:12.405 -- 00:01:18.053 Second, the actions Banner con...