Eagle Financial Services Inc (EFSI) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Thank you for standing by. My name is Carly, and I will be your conference operator today. At this time, I would like to welcome everyone to the Eagle Financial Services, Inc. Q3 earnings call. All lines have been placed on mute to prevent any background noise. I would now like to turn the call over to Nick Smith, EVP, Deputy CFO. Please go ahead. Thank you. Good morning. Thank you for joining us for our third quarter earnings conference call. Before we begin, please note that the information provided during this call will contain forward-looking statements. Actual results or outcomes may differ materially from those expressed by those statements. I'd like to direct all listeners to read the cautionary note regarding forward-looking statements contained in our most recent annual report on Form 10-K filed with the SEC and in our earnings release, as well as the risk factors identified in the annual report and in our more recent periodic reports filed with the SEC. Relevant factors that could cause actual results to differ materially from any forward-looking statements are included in the earnings release and in our SEC filings. The company does not undertake to update any of the forward-looking statements made today. A copy of our earnings release, which contains non-GAAP financial measures, is available on our website at investors.bankofclark.bank. And information regarding our use of the non-GAAP financial measures may be found in the body of the earnings release. And a reconciliation to their most directly comparable GAAP financial measures is included at the end of the earnings release for your reference. This quarter, along with our earnings release, we published an updated investor presentation that has additional disclosures that we believe will be helpful. The...