QCR Holdings, Inc. (QCRH) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.078 Good morning and thank you for joining us today for QCR Holdings Inc's fourth quarter 00:00:05.078 -- 00:00:08.542 and full year 2025 earnings conference call. 00:00:08.542 -- 00:00:14.350 Following the close of the market yesterday, the company issued its earnings press release. 00:00:14.350 -- 00:00:18.696 If anyone joining us today has not yet received a copy, it is available on the company's 00:00:18.696 -- 00:00:21.697 website, www.qcrh.com. 00:00:25.325 -- 00:00:30.798 With us today for management are Todd Gippel, President and CEO, and Nick Anderson, 00:00:30.798 -- 00:00:32.321 CFO. 00:00:32.321 -- 00:00:36.107 Management will provide a summary of the financial results, and then we will open the 00:00:36.107 -- 00:00:39.109 call to questions from analysts. 00:00:39.333 -- 00:00:43.720 Before we begin, I would like to remind everyone that some of the information management 00:00:43.720 -- 00:00:48.147 will be providing today falls under the guidelines of forward-looking statements as defined 00:00:48.147 -- 00:00:50.825 by the Securities and Exchange Commission. 00:00:50.825 -- 00:00:55.233 As part of these guidelines, any statements made during this call concerning the company's 00:00:55.233 -- 00:01:00.743 hopes, beliefs, expectations, and predictions of the future or forward-looking statements 00:01:00.743 -- 00:01:05.809 and actual results could differ materially from those projected. 00:01:05.893 -- 00:01:10.501 Additional information on these factors is included in the company's SEC filings, which 00:01:10.501 -- 00:01:13.703 are available on the company's website. 00:01:14.365 -- 00:01:19.773 Additionally, management may refer to non-GAAP measures, which are intended to supplement 00:01:19.773 -- 00:01:23.939 but not ...