Peoples Bancorp Inc. (PEBO) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.058 The statements in this call, which are not historical in fact, are forward-looking statements 00:00:05.058 -- 00:00:10.184 and involve a number of risks and uncertainties detailed in People, Securities, and Exchange 00:00:10.184 -- 00:00:12.267 Commission filings. 00:00:12.267 -- 00:00:15.268 Management believes the forward-looking 00:00:20.158 -- 00:00:21.820 statements may differ materially from these forward-looking statements. 00:00:21.820 -- 00:00:26.646 However, it is possible actual results may differ materially from these forward-looking 00:00:26.646 -- 00:00:28.111 statements. 00:00:28.111 -- 00:00:32.099 Peoples disclaims any responsibility to update these forward-looking statements after 00:00:32.099 -- 00:00:36.989 this call, except as may be required by applicable legal requirements. 00:00:36.989 -- 00:00:41.437 Peoples' fourth quarter 2025 earnings release and earnings conference call presentation 00:00:41.437 -- 00:00:46.367 were issued this morning and are available at peoplesbankcorp.com 00:00:46.367 -- 00:00:48.935 under Investor Relations. 00:00:48.935 -- 00:00:53.881 A reconciliation of the non-generally accepted accounting principles, or GAAP, financial 00:00:53.881 -- 00:00:58.627 measures discussed during this call to the most directly comparable GAAP financial measures 00:00:58.627 -- 00:01:01.750 is included at the end of the earnings release. 00:01:01.750 -- 00:01:06.836 This call will include about 15 to 20 minutes of prepared commentary, followed by 00:01:06.836 -- 00:01:10.321 a question and answer period, which I will facilitate. 00:01:10.321 -- 00:01:14.906 An archived webcast of this call will be available on peoplesbankcorp.com 00:01:14.906 -- 00:01:18.365 in the Investor Relations section for one y...