Civista Bancshares, Inc. (CIVB) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon, ladies and gentlemen. 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 Suvisa Backshare Inc. that involves risks 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 statements made during the call. Additionally, 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 GAAP to non-GAAP measures. This call will be recorded and made available on Servista Bank Shares' website at www.civb.com. At the conclusion of Mr. Schaefer's remarks, he and the Servista management team will take any questions you may have. Now I will turn the call over to Mr. Schaefer. Good afternoon. This is Dennis Schaefer, President and CEO of Servista Bank Shares, and I would like to welcome you. to our fourth quarter and year-end 2025 earnings call. I'm joined today by Chuck Parcher, EVP of the company and president of the bank, Ian Winham, 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 fourth quarter of 2025 of $12.3 million, or 61 cents per diluted share, which is consistent with our length quarter and represents a $2.4 ...