Old Second Bancorp, Inc. (OSBC) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.737 Good morning, everyone, and thank you for joining us today for Old Second Bancorp, Inc.' 00:00:04.737 -- 00:00:09.865 's fourth quarter 2025 earnings call. On the call today are Jim 00:00:09.865 -- 00:00:15.052 Ecker, the company's chairman, president, and CEO, Brad Adams, the company's 00:00:15.052 -- 00:00:20.399 COO and CFO, Darren Campbell, the company's head of national specialty 00:00:20.399 -- 00:00:25.045 lending, and Gary Collins, the vice chairman of our board. 00:00:25.045 -- 00:00:29.841 I will start with a reminder that Old Second's comments today will contain forward-looking 00:00:29.841 -- 00:00:34.888 statements about the company's business, strategies, and prospects, 00:00:34.888 -- 00:00:41.458 which are based on management's existing expectations in the current economic environment. 00:00:41.458 -- 00:00:46.345 These statements are not a guarantee of future performance and results may differ materially 00:00:46.345 -- 00:00:48.468 from those projected. 00:00:48.468 -- 00:00:53.895 Management would ask you to refer to the company's SEC filings for a full discussion 00:00:53.895 -- 00:00:56.596 of the company's risk factors. 00:00:56.596 -- 00:01:01.824 The company does not undertake any duty to update such forward-looking statements. 00:01:01.824 -- 00:01:07.332 On today's call, we will also be discussing certain non-GAAP financial measures. 00:01:07.332 -- 00:01:12.359 These non-GAAP measures are described and reconciled to their GAAP counterparts in our 00:01:12.359 -- 00:01:18.188 earnings release, which is available on our website at oldsecond.com 00:01:18.188 -- 00:01:22.254 on the homepage under the Investor Relations tab. 00:01:22.254 -- 00:01:25.937 Now I will turn it over to Jim Eckert. 00:01:26.009 -- 00...