FB Financial Corporation (FBK) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.900 Good morning and welcome to FB Financial Corporation's third quarter 2025 00:00:05.900 -- 00:00:11.730 earnings conference call. Hosting the call today from FB Financial are Chris Holmes, 00:00:11.730 -- 00:00:17.078 President and Chief Executive Officer, and Michael Mati, Chief Operating Officer 00:00:17.078 -- 00:00:22.487 and Chief Financial Officer. Please note FB Financial's earnings release, 00:00:22.487 -- 00:00:27.993 supplemental financial information, and this morning's presentation are available 00:00:27.993 -- 00:00:34.077 on the Investor Relations page of the company's website at www.firstbankonline.com 00:00:35.962 -- 00:00:41.966 and on the Securities and Exchange Commission's website at www.sec.gov. 00:00:43.450 -- 00:00:49.156 Today's call is being recorded and will be available for replay on FB Financial's website 00:00:49.156 -- 00:00:52.940 approximately an hour after the conclusion of the call. 00:00:52.940 -- 00:00:57.305 At this time, all participants have been placed in a listen-only mode. 00:00:57.305 -- 00:01:01.210 The call will be open for questions after the presentation. 00:01:01.210 -- 00:01:03.172 During the presentation, 00:01:03.172 -- 00:01:08.178 FV Financial may make comments which constitute forward-looking statements under 00:01:08.178 -- 00:01:13.224 the federal securities laws. Forward-looking statements are based on management's current 00:01:13.224 -- 00:01:18.650 expectations and assumptions and are subject to risks, uncertainties, 00:01:18.650 -- 00:01:24.297 and other factors that may cause actual results and performance or achievements 00:01:24.297 -- 00:01:29.745 of FV Financial to differ materially from any results expressed or implied 00:01:29.745 -- 00:01:34.792 by such forward-loo...