Civista Bancshares, Inc. (CIVB) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Before we begin, I would like to remind you that this conference call may contain forward-looking statements with respect to the future performance and financial condition of Civista Bank Share Inc. That involves risk and uncertainties. Various factors could cause actual results to be materially different from any future results expressed or implied by such forward-looking statements. These factors are discussed in the company's SEC filings which are available on the company's website. The company disclaims any obligation to update any forward-looking statement made during the call. Additionally, the management may refer to non-GAAP measures which are intended to supplement but not substitute the most directly comparable GAAP measures. The press release also available on the company's website contains the financial and other quantitative information to be discussed today as well as the reconciliation of the gap to non-gap measures. This call will be recorded and made available on Syvista Bankshare's website at www.civp.com. At the conclusion of Mr. Schaefer's remarks, he and the Syvista management team will take any questions you may have. Now I will turn the call over to Mr. Schaefer. Thank you. Good afternoon. This is Dennis Schaefer, President and CEO of Savista Bank Shares, and I would like to thank you for joining us for our third quarter 2025 earnings call. I am joined today by Chuck Parcher, EVP of the company and President of the bank, Rich Dutton, SVP of the company and Chief Operating Officer of the bank, Ian Winnop, SVP of the company and Chief Financial Officer of the bank, and other members of our executive team. This morning, we reported net income for the third quarter of $12.8 million or 68 cents per diluted share, which represents a $4.4 million or 5...