Home Bancorp, Inc. (HBCP) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.915 Good morning, ladies and gentlemen, and welcome to the HomeBank Corp's fourth quarter 00:00:03.915 -- 00:00:08.941 2025 earnings conference call. All participants will be in a listen-only 00:00:08.941 -- 00:00:13.446 mode. Should you need assistance, please signal a conference specialist by pressing the 00:00:13.446 -- 00:00:18.591 star key followed by zero. After today's presentation, there will be an opportunity to 00:00:18.591 -- 00:00:21.755 ask questions. Please note that this event is being recorded. 00:00:21.755 -- 00:00:26.320 I would now like to turn the conference over to HomeBank Corp's chairman, president, 00:00:26.320 -- 00:00:30.696 and CEO, Don Portolone, and Chief Financial Officer David Kirkley. 00:00:30.696 -- 00:00:31.797 Please go ahead, Mr. Kirkley. 00:00:31.797 -- 00:00:33.239 Thank 00:00:33.239 -- 00:00:38.305 you. Good morning and welcome to HomeBank's fourth quarter 2025 earnings 00:00:38.305 -- 00:00:43.752 call. Our earnings release and investor presentation are available on our website. 00:00:43.752 -- 00:00:47.597 I ask that everyone please refer to the disclaimer for our forward-looking statements 00:00:47.597 -- 00:00:51.021 and investor presentation and our SEC filings. 00:00:51.021 -- 00:00:54.825 Now I'll hand it over to John to make a few comments about the quarter and the year. 00:00:54.825 -- 00:00:55.466 John? 00:00:55.466 -- 00:00:59.847 Thank you, David. Good morning, and thank you for joining our earnings call today. 00:00:59.847 -- 00:01:04.473 We appreciate your interest in HomeBank as we discuss our results, our expectations for 00:01:04.473 -- 00:01:09.019 the future, and our approach to creating long-term referral value. 00:01:09.019 -- 00:01:14.006 We're proud of everything we accompli...