Independent Bank Corporation (IBCP) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello, everyone, and welcome to the Independent Bank Corporation Report 2025 Third Quarter Results. My name is Ezra, and I will be your coordinator today. If you would like to ask a question, press star followed by one on your telephone keypad. If you change your mind, press star followed by two. We will be taking questions at the end of the presentation. I will now hand you over to Brad Kessel, President and CEO, to begin. Please go ahead. Good morning and welcome to today's call. Thank you for joining us for Independent Bank Corporation's conference call and webcast to discuss the company's third quarter 2025 results. I am Brad Kessel, President and Chief Executive Officer. Joining me this morning is Gavin Moore, EDP and Chief Financial Officer, and Joel Rahn, Executive Vice President and Head of our Commercial Banking. Before we begin today's call, I would like to direct you to the important information on page two of our presentation, specifically the cautionary note regarding forward-looking statements. If anyone does not already have a copy of the press release issued by us today, it can be accessed at our website, independentbank.com. The agenda for today's call will include prepared remarks followed by a question and answer session and then closing remarks. I am pleased to report on our third quarter results as we advance our mission of inspiring financial independence today with tomorrow in mind. Our vision is a future where people approach their finances with confidence, clarity, and a determination to succeed. Our core values of courage, drive, integrity, people-focused, and teamwork are the blueprint our employees live by. We strive to be Michigan's most people-focused bank. Today, Independent Bank Corporation reported third quarter 2025 net income of $17...