Byline Bancorp, Inc. (BY) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.756 Good morning and welcome to the Byline Bancorp third quarter 2025 earnings call. 00:00:04.756 -- 00:00:07.319 My name is Carly and I'll be the conference operator today. 00:00:07.319 -- 00:00:09.822 All lines have been placed on mute to prevent any background noise. 00:00:09.822 -- 00:00:12.465 After the speaker's remarks, there'll be a question and answer period. 00:00:12.465 -- 00:00:15.689 If you'd like to ask a question during that period, simply press the star button followed 00:00:15.689 -- 00:00:19.032 by one on your telephone keypad. If you'd like to withdraw your question, please press 00:00:19.032 -- 00:00:23.377 star and two. If you're listening via speakerphone, please ensure you lift the handset 00:00:23.377 -- 00:00:27.602 prior to asking a question. If you require operator assistance throughout the call, please 00:00:27.602 -- 00:00:31.129 press star and zero. Please note this conference call is being recorded. 00:00:31.129 -- 00:00:34.372 At this time, I'd like to introduce Brooks Rennie, Head of Investor Relations at Byland 00:00:34.372 -- 00:00:36.572 Bank Corp. 00:00:38.196 -- 00:00:42.179 Thank you, Carly. Good morning, everyone. And thank you for joining us today for the 00:00:42.179 -- 00:00:46.203 Byland Bank Corp. Third Quarter 2025 Earnings Call. 00:00:46.203 -- 00:00:50.507 In accordance with Regulation FD, this call is being recorded and is available via webcast 00:00:50.507 -- 00:00:54.371 on our Investor Relations website, along with our earnings release and the corresponding 00:00:54.371 -- 00:00:59.216 presentation slides. As part of today's call, management may make certain statements 00:00:59.216 -- 00:01:03.324 that constitute projections, beliefs, or other forward-looking statements regarding futu...