Northeast Bank (NBN) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Welcome to the Northeast Bank third quarter fiscal year 2025 earnings call. My name is Victor, and I will be your operator for today's call. This call is being recorded. With us today from the bank is Rick Wayne, President and Chief Executive Officer, Richard Cohen, Chief Financial Officer, and Pat Dignan, Executive Vice President and Chief Operating Officer. Prior to the call, an investor presentation was uploaded to the bank's website, which we will referenced in this morning's call. The presentation can be accessed at the investor relations section of northeastbank.com under events and presentations. You may find it helpful to download this investor presentation and follow along during the call. Also, this call will be available for rebroadcast on the website for future use. At this time, all participants are in listen-only mode. Later, we will conduct a question and answer session During this question and answer session, if you have a question, please press star 11 to ask a question. To remove yourself from the queue, please press star 11 again. As a reminder, the conference is being recorded. Please note that this presentation contains forward-looking statements about Northeast Bank. Forward-looking statements are based upon the current expectations of Northeast Bank's management and are subject to risks and uncertainties. Actual results may differ materially from those discussed in the forward-looking statements. Northeast Bank does not undertake any obligation to update any forward-looking statements. I will now turn the call over to Rick Wayne. Mr. Wayne, you may begin. Thank you, and good morning to all of you. I first want to make an observation about the quarter, which is, we think it was a very strong quarter. We did 400, and I'll do a little bit of round...