Northeast Bank (NBN) Q3 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Welcome to the Northeast Bank Third Quarter Fiscal Year 2026 Earnings Call. My name is Marvin, and I'll 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, Santino de Molino, Chief Financial Officer, and Pat Dignans, Chief Operating Officer and Chief Credit Officer. Prior to the call, an investor presentation was uploaded to the bank's website, which we'll reference in this morning's call. The presentation can be accessed at the Investors Relations sections of northeastbank.com under Events and Presentation. 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 listen-only mode. Later, we will conduct a question and answer session. During the question and answer session, if you have a question, please press star 11 to ask the question. To remove yourself from the queue, please press star 11 again. As a reminder, the conference is being recorded. Please note this presentation contains forward-looking statements about Northeast Bank. Forward-looking statements are based upon current expectations of Northeast Bank's management and are subject to risk and uncertainties. Actual results may differ materially from those discussed in forward-looking statements. Northeast Bank does not undertake any obligation to update any forward-looking statements. I'll now turn the call over to Wick Wayne. Mr. Wayne, you may begin. Thank you very much, and welcome, everybody. With me this morning are Pat Dignan, our Chief Operating Officer and Chief Credit Officer, Santino Del Molino, our Chief Financial Officer, and Rebecca Rand, our Direc...