ConnectOne Bancorp, Inc. (CNOB) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.076 Thank you and welcome to the Connect One Bancorp Inc. 00:00:04.076 -- 00:00:09.183 Third Quarter 2025 Earnings Call. At this time, all participants 00:00:09.183 -- 00:00:14.109 are in a listen-only mode. A brief question and answer session will follow the formal 00:00:14.109 -- 00:00:15.571 presentation. 00:00:15.571 -- 00:00:18.615 As a reminder, this conference is being recorded. 00:00:18.615 -- 00:00:23.982 It is now my pleasure to introduce your host, Sia Vonsia, 00:00:23.982 -- 00:00:29.967 our Chief Brand and Innovation Officer. Ma'am, please go ahead. 00:00:29.967 -- 00:00:33.852 Good morning and welcome to today's conference call to review Connect One's results for 00:00:33.852 -- 00:00:38.097 the third quarter of 2025 and to update you on recent developments. 00:00:38.097 -- 00:00:42.463 On today's conference call will be Frank Sorrentino, Chairman and Chief Executive Officer, 00:00:42.463 -- 00:00:47.129 and Bill Burns, Senior Executive Vice President and Chief Financial Officer. 00:00:47.129 -- 00:00:50.813 I'd also like to caution you that we may make forward-looking statements during today's 00:00:50.813 -- 00:00:54.284 conference call that are subject to risks and uncertainties. 00:00:54.284 -- 00:00:59.291 Factors that may cause actual results to differ materially from expectations are 00:00:59.291 -- 00:01:03.678 detailed in our SEC filings. The forward-looking statements included in this conference 00:01:03.678 -- 00:01:06.562 call are only made as of the date of this call. 00:01:06.562 -- 00:01:10.448 The company is not obligated to publicly update or revise them. 00:01:10.448 -- 00:01:15.776 In addition, certain terms used in this call are non-GAAP financial measures, reconciliations 00:01:15.776 -- 00:01:20.863 ...