QCR Holdings, Inc. (QCRH) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.218 Good morning, and thank you for joining us today for QCR Holdings, Inc.' 's 00:00:05.218 -- 00:00:09.922 third quarter 2025 earnings conference call. 00:00:09.985 -- 00:00:14.251 Following the close of the market yesterday, the company issued its earnings press release 00:00:14.251 -- 00:00:16.634 for the third quarter. 00:00:16.634 -- 00:00:21.240 If anyone joining us today has not yet received a copy, it is available on the company's 00:00:21.240 -- 00:00:24.462 website, www.qcrh.com. 00:00:27.706 -- 00:00:32.831 With us today from management are Todd Gipple, President and CEO, and Nick 00:00:32.831 -- 00:00:35.433 Anderson, CFO. 00:00:35.433 -- 00:00:39.197 Management will provide a summary of the financial results, and then we will open the 00:00:39.197 -- 00:00:42.217 call to questions from analysts. 00:00:42.780 -- 00:00:47.544 Before we begin, I would like to remind everyone that some of the information management 00:00:47.544 -- 00:00:52.108 will be providing today falls under the guidelines of forward-looking statements, as 00:00:52.108 -- 00:00:56.012 defined by the Securities and Exchange Commission. 00:00:56.012 -- 00:01:00.857 As part of these guidelines, Any statements made during this call concerning the company's 00:01:00.857 -- 00:01:05.924 hopes, beliefs, expectations, and predictions of the future are forward-looking 00:01:05.924 -- 00:01:11.529 statements, and actual results could differ materially from those projected. 00:01:11.612 -- 00:01:16.920 Additional information on these factors is included in the company's SEC filings, 00:01:16.920 -- 00:01:20.342 which are available on the company's website. 00:01:20.586 -- 00:01:24.743 Additionally, management may refer to non-GAAP measures. 00:01:24.743 -- 00:01:29....