Brian McDonald
President and CEO
Replay available
Heritage Financial Corporation (NASDAQ: HFWA) Q4 2025 earnings conference call, held 2026-01-22. Replay captured from the company's public earnings webcast.

President and CEO
Chief Financial Officer
Chief Credit Officer
Analyst, VA Davidson
Analyst, Piper Sandler
Analyst, Stevens
Analyst, Raymond James
Watch the replay and follow the connected company analysis, news, and investor updates for Heritage Financial Corporation.
WEBVTT 00:00:00.031 -- 00:00:04.656 Hello everyone and welcome to the Heritage Financial 2025 Q4 earnings 00:00:04.656 -- 00:00:07.980 call. My name is Emily and I'll be coordinating your call today. 00:00:07.980 -- 00:00:12.285 After the presentation, you will have the opportunity to ask any questions, which you 00:00:12.285 -- 00:00:16.850 can do so by pressing star followed by the number one on your telephone keypad. 00:00:16.850 -- 00:00:21.315 I would now like to turn the call over to Brian McDonald, President and CEO to begin. 00:00:21.315 -- 00:00:23.756 Please go ahead. 00:00:23.858 -- 00:00:28.213 Thank you, Emily. Welcome and good morning to everyone who called in and those who may 00:00:28.213 -- 00:00:33.440 listen later. This is Brian McDonald, CEO of Heritage Financial. 00:00:33.440 -- 00:00:38.026 Attending with me are Don Johnson, Chief Financial Officer, and Tony Chalfant, Chief 00:00:38.026 -- 00:00:39.869 Credit Officer. 00:00:39.869 -- 00:00:44.194 Our fourth quarter earnings release went out this morning pre-market, and hopefully you've 00:00:44.194 -- 00:00:47.956 had the opportunity to review it prior to the call. 00:00:47.956 -- 00:00:52.662 In addition to the earnings release, we also posted an updated fourth quarter investor 00:00:52.662 -- 00:00:57.668 presentation on the investor relations portion of our corporate website, which 00:00:57.668 -- 00:01:03.454 includes more detail on our deposits, loan portfolio, liquidity, and credit quality. 00:01:03.454 -- 00:01:07.279 We will reference this presentation during the call. 00:01:07.279 -- 00:01:12.045 As a reminder, during this call, we may make forward-looking statements which are subject 00:01:12.045 -- 00:01:17.205 to and other factors. Important factors that could cause our actual 00:01:...