Colony Bankcorp, Inc. (CBAN) Q4 2025 Earnings Call

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WEBVTT 00:00:01.280 -- 00:00:05.706 Good morning, ladies and gentlemen, and welcome to the Colony Bank fourth quarter 2025 00:00:05.706 -- 00:00:10.293 conference call. At this time, all lines are in listen-only mode. 00:00:10.293 -- 00:00:14.098 Following the presentation, we will conduct a question and answer session. 00:00:14.098 -- 00:00:18.444 If at any time during this call you require immediate assistance, please press star zero 00:00:18.444 -- 00:00:23.631 for the operator. This call is being recorded on Thursday, January 29th, 2026. 00:00:23.631 -- 00:00:27.757 I would now like to turn the conference over to Brantley Collins. 00:00:27.757 -- 00:00:30.238 Please go ahead. 00:00:30.381 -- 00:00:35.427 Thanks, Dani. Before we get started, I would like to go through our standard disclosures. 00:00:35.427 -- 00:00:39.351 Certain statements we make on this call could be constituted as forward-looking statements 00:00:39.351 -- 00:00:45.698 within the meaning of the Securities Act of 1933 and the Securities Exchange Act of 1934. 00:00:45.698 -- 00:00:49.822 Current and prospective investors are cautioned that any such forward-looking statements 00:00:49.822 -- 00:00:55.107 are not guarantees of future performance but involve known and unknown risk and uncertainties. 00:00:55.107 -- 00:00:59.887 Factors that could cause these differences include, but are not limited to, pandemics, 00:00:59.887 -- 00:01:05.656 variations of the company's assets, businesses, cash flows, financial condition, 00:01:05.656 -- 00:01:08.440 prospects, and other results of operations. 00:01:08.440 -- 00:01:12.285 I would also like to add that during our call today, we will reference our fourth quarter 00:01:12.285 -- 00:01:15.911 earnings release and investor presentation, which were both f...