ConnectOne Bancorp, Inc. (CNOB) Q4 2025 Earnings Call

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WEBVTT 00:00:01.786 -- 00:00:04.770 Good morning, ladies and gentlemen, and thank you for standing by. 00:00:04.770 -- 00:00:07.593 My name is Kelvin, and I will be your conference operator today. 00:00:07.593 -- 00:00:11.719 At this time, I would like to welcome everyone to the Connect One Backcourt Inc. 00:00:11.719 -- 00:00:16.665 fourth quarter 2025 earnings call. All lines have been placed on mute to prevent any 00:00:16.665 -- 00:00:21.351 background noise. After the speaker's remarks, there will be a question and answer session. 00:00:21.351 -- 00:00:25.776 If you would like to ask a question during this time, simply press star, followed by 00:00:25.776 -- 00:00:29.802 the number one on your telephone keypad. If you would like to withdraw your question, 00:00:29.802 -- 00:00:34.186 please press star one again. Thank you. I would now like to turn the call over to CA 00:00:34.186 -- 00:00:37.030 Bansio, Chief Brand and Innovation Officer. 00:00:37.030 -- 00:00:39.012 Please go ahead. 00:00:39.012 -- 00:00:42.797 Good morning and welcome to today's conference call to review Connect One's results for 00:00:42.797 -- 00:00:47.102 the fourth quarter of 2025 and to update you on recent developments. 00:00:47.102 -- 00:00:51.867 On today's conference call will be Frank Sorrentino, Chairman and Chief Executive Officer, 00:00:51.867 -- 00:00:56.653 and Bill Burns, Senior Executive Vice President and Chief Financial Officer. 00:00:56.653 -- 00:01:00.357 I'd also like to caution you that we may make forward-looking statements during today's 00:01:00.357 -- 00:01:04.211 conference call that are subject to risks and uncertainties. 00:01:04.211 -- 00:01:09.478 Factors may cause actual results to differ materially from expectations are detailed 00:01:09.478 -- 00:01:14.223 in...