Northpointe Bancshares, Inc. (NPB) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Greetings. Welcome to the North Point Bank Shares Incorporated's fourth quarter 2025 earnings call. At this time, all participants are in listening mode. Question and answer session will follow the formal presentation. If anyone this morning should require operator assistance during the conference, please press star zero from your telephone keypad. Please note that this conference is being recorded. At this time, I'll turn the conference over to Brad House, CFO. Brad, you may begin. All right. Thank you. Good morning. Good morning. Welcome to NorthPoint's fourth quarter 2025 earnings call. My name is Brad Howes, and I'm the Chief Financial Officer. With me today are Chuck Williams, our Chairman and CEO, and Kevin Comps, our President. Additional earnings materials, including the presentation slides that we will refer to on today's call, are available on NorthPoint's investor relations website, ir.northpoint.com. As a reminder, during today's call, we may make forward-looking statements. which are subject to risks and uncertainties and are intended to be covered by the safe harbor provisions of federal securities law. For a list of factors that may cause actual results to differ materially from expectations, please refer to the disclosures contained within our SEC filings. We will also reference non-GAAP financial measures and encourage you to review the non-GAAP reconciliations provided in both our earnings release and presentation slides. The agenda for today's call will include prepared remarks, followed by a question and answer session, and then closing remarks. With that, I'll turn the call over to Chuck. Thank you, Brad. Good morning, everyone, and thank you for joining. As we report today's results, I can't help but reflect on an incredible journey since we wen...