Northeast Bank (NBN) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:03.516 At this time, all participants are in a listen-only mode. 00:00:03.516 -- 00:00:06.980 After the speaker presentation, there will be a question and answer session. 00:00:06.980 -- 00:00:12.087 To ask a question during the session, you will need to press star 11 on your 00:00:12.087 -- 00:00:17.273 telephone. You will then hear an automated message advising your hand has been raised. 00:00:17.273 -- 00:00:21.038 To withdraw your question, please press star 11 again. 00:00:21.038 -- 00:00:23.782 Please be advised that today's conference is being recorded. 00:00:23.782 -- 00:00:30.068 It is now my pleasure to introduce CEO Rick Wayne. 00:00:32.296 -- 00:00:37.301 Thank you, and good afternoon to all of you that are 00:00:37.301 -- 00:00:40.084 listening to this call. 00:00:40.084 -- 00:00:42.186 With me 00:00:42.186 -- 00:00:46.270 are Pat Dignan, our Chief Operating Officer 00:00:46.270 -- 00:00:48.072 and 00:00:48.072 -- 00:00:53.097 Head of Commercial Credit for the bank, and Richard 00:00:53.097 -- 00:00:54.638 Cohen, 00:00:54.638 -- 00:00:57.581 our CFO. 00:00:57.581 -- 00:01:00.384 After I make some comments, 00:01:00.384 -- 00:01:06.327 Pat will follow up, in a lively conversation about 00:01:06.327 -- 00:01:07.749 our 00:01:07.749 -- 00:01:09.711 loan book, 00:01:09.711 -- 00:01:14.956 both about commercial real estate loans and the SBA, and some very helpful 00:01:14.956 -- 00:01:18.218 information about our multifamily 00:01:19.081 -- 00:01:24.566 portfolio in New York City. I think you'll find all that 00:01:24.566 -- 00:01:26.669 quite interesting. 00:01:26.669 -- 00:01:28.490 And after 00:01:28.490 -- 00:01:34.020 Pat's comments, Richard, Pat, and I are available 00:01:34.020 -- 00:01:37.724 for any questions that you mig...