Five Star Bancorp (FSBC) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.977 opportunity for those provided with a dial-in number to ask questions. 00:00:03.977 -- 00:00:08.443 To ask a question, you may press star, then 1 on your telephone keypad. 00:00:08.443 -- 00:00:12.209 To withdraw your question, please press star, then 2. 00:00:12.209 -- 00:00:15.914 Before we get started, we would like to remind you that today's meeting will include 00:00:15.914 -- 00:00:19.960 some forward-looking statements within the meaning of applicable securities laws. 00:00:19.960 -- 00:00:25.332 These forward-looking statements relate to, among other things, current plans, expectations, 00:00:25.332 -- 00:00:30.162 events, and industry trends that may affect the company's future operating results and 00:00:30.162 -- 00:00:32.146 financial position. 00:00:32.146 -- 00:00:36.896 Such statements involve risks and uncertainties, and future activities and results may 00:00:36.896 -- 00:00:39.502 differ materially from these expectations. 00:00:39.502 -- 00:00:44.226 For more complete discussion of the risks and uncertainties that may cause actual results 00:00:44.226 -- 00:00:48.550 to differ materially from the company's forward-looking statements, please see the company's 00:00:48.550 -- 00:00:54.075 annual report on Form 10-K for the year ended December 31, 2024, 00:00:54.075 -- 00:00:59.139 and quarterly reports on Form 10-Q for the three months ended March 31, 2025, June 00:00:59.139 -- 00:01:01.561 30, 2025, 00:01:01.561 -- 00:01:03.963 and September 30, 2025, 00:01:03.963 -- 00:01:09.488 and in particular, the information set forth in Item 1A, Risk Factors, in those reports. 00:01:09.488 -- 00:01:10.950 Please 00:01:10.950 -- 00:01:15.057 refer to slide two of the presentation, which includes disclaimers regarding forward...