First Bank (FRBA) Q4 2025 Earnings Call

Investor webinar replay

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Replay transcript excerpt

WEBVTT 00:00:01.735 -- 00:00:05.861 Thank you for standing by. My name is Tina and I will be your conference operator today. 00:00:05.861 -- 00:00:10.869 At this time, I would like to welcome everyone to the first bank earnings conference 00:00:10.869 -- 00:00:16.277 call for fourth quarter. All lines have been placed on mute to prevent any background 00:00:16.277 -- 00:00:20.623 noise. After the speaker's remarks, there will be a question and answer session. 00:00:20.623 -- 00:00:26.271 To ask a question, simply press star followed by the number one on your telephone keypad. 00:00:26.271 -- 00:00:29.056 To withdraw your question, press star one again. 00:00:29.056 -- 00:00:33.702 It is now my pleasure to turn the call over to Patrick Ryan, President and CEO. 00:00:33.702 -- 00:00:36.106 You may begin. Thank 00:00:36.106 -- 00:00:37.027 you. 00:00:37.027 -- 00:00:42.855 I'd like to welcome everyone today to First Bank's fourth quarter 2025 earnings call. 00:00:42.855 -- 00:00:47.881 I am joined by Andrew Hibschman, our CFO, Darlene Gillespie, our Chief 00:00:47.881 -- 00:00:52.728 Retail Banking Officer, and Peter Cahill, our Chief Lending Officer. 00:00:52.728 -- 00:00:58.033 Before we begin, however, Andrew will read the Safe Harbor Statement. 00:00:58.823 -- 00:01:03.068 The following discussion may contain forward-looking statements concerning the financial 00:01:03.068 -- 00:01:07.133 condition, results of operations, and business of First Bank. 00:01:07.133 -- 00:01:11.518 We caution that such statements are subject to a number of uncertainties, and actual 00:01:11.518 -- 00:01:16.143 results could differ materially. And therefore, you should not place undue reliance on 00:01:16.143 -- 00:01:20.768 any forward-looking statements we make. We may not update any f...