Primis Financial Corp. (FRST) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.817 Thank you for standing by and welcome to the Primus Financial Court Fourth Quarter Earnings 00:00:04.817 -- 00:00:09.123 Conference Call. All lines have been placed on mute to prevent any background noise. 00:00:09.123 -- 00:00:12.448 After the speaker's remarks, there will be a question and answer session. 00:00:12.448 -- 00:00:15.872 If you would like to ask a question during this time, simply press star followed by the 00:00:15.872 -- 00:00:19.798 number one on your telephone keypad. If you would like to withdraw your question, again 00:00:19.798 -- 00:00:24.905 press star one. Thank you. I'd now like to turn the call over to Matt Switzer, Chief 00:00:24.905 -- 00:00:26.126 Financial Officer. 00:00:26.126 -- 00:00:28.407 You may begin. 00:00:28.735 -- 00:00:33.339 Good morning. Thank you for joining us for Premise Financial Corp's 2025 fourth quarter 00:00:33.339 -- 00:00:37.963 webcast and conference call. Before we begin, please note that many of our comments during 00:00:37.963 -- 00:00:42.027 this call will be forward-looking statements, which involve risk and uncertainty. 00:00:42.027 -- 00:00:46.251 There are many factors that can cause actual results to differ materially from the anticipated 00:00:46.251 -- 00:00:50.514 results or other expectations expressed in the forward-looking statements. 00:00:50.514 -- 00:00:53.877 Further discussion of the company's risk factors and other important information regarding 00:00:53.877 -- 00:00:57.120 our forward-looking statements are part of our recent filings with the Securities and 00:00:57.120 -- 00:01:01.352 Exchange Commission. including our recently filed earnings release, which has also been 00:01:01.352 -- 00:01:06.798 posted to the investor relations section of our corpora...