Five Star Bancorp (FSBC) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.416 Welcome to the Five Star Bancorp Third Quarter Earnings Webcast. 00:00:04.416 -- 00:00:09.161 Please note, this is a closed conference call, and you are encouraged to listen via the 00:00:09.161 -- 00:00:10.783 webcast. 00:00:10.783 -- 00:00:15.107 After today's presentation, there will be an opportunity for those provided with a dial-in 00:00:15.107 -- 00:00:20.213 number to ask questions. To ask a question, you may press star, then 1 on your 00:00:20.213 -- 00:00:26.153 telephone keypad. To withdraw your question, please press star, then 2. 00:00:26.153 -- 00:00:30.179 Before we get started, we would like to remind you that today's meeting will include 00:00:30.179 -- 00:00:34.765 some forward-looking statements within the meeting of applicable securities laws. 00:00:34.765 -- 00:00:40.373 These forward-looking statements relate to, among other things, current plans, expectations, 00:00:40.373 -- 00:00:45.601 events, and industry trends that may affect the company's future operating results 00:00:45.601 -- 00:00:47.704 and financial position. 00:00:47.704 -- 00:00:52.811 Such statements involve risks and uncertainties, and future activities and results may 00:00:52.811 -- 00:00:56.032 differ materially from these expectations. 00:00:56.545 -- 00:01:01.094 For a more complete discussion of the risks and uncertainties that may cause actual results 00:01:01.094 -- 00:01:05.723 to differ materially from the company's forward-looking statements, please see the company's 00:01:05.723 -- 00:01:11.511 annual report on Form 10-K for the year ended December 31, 2024. 00:01:11.615 -- 00:01:18.084 and quarterly reports on Form 10-Q for the three months ended March 31, 2025, 00:01:18.084 -- 00:01:20.568 and June 30, 2025, 00:01:20.568 -- 00:0...