RBB Bancorp (RBB) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.119 Greetings and welcome to the RBB Bank Corp fourth quarter 2025 00:00:05.119 -- 00:00:10.186 earnings conference call. At this time all participants are on 00:00:10.186 -- 00:00:16.472 a listen only mode and a question and answer session will follow the formal presentation. 00:00:16.515 -- 00:00:21.471 If anyone should require operator assistance during the conference please press star 00:00:21.471 -- 00:00:26.658 zero on your telephone keypad. And please note, this conference is being 00:00:26.658 -- 00:00:28.460 recorded. 00:00:28.460 -- 00:00:33.688 I will now turn the conference over to your host, Rebecca Rico, financial analyst. 00:00:33.688 -- 00:00:36.912 Ma'am, the floor is yours. 00:00:36.912 -- 00:00:41.959 Thank you, Ali. Good day, everyone, and thank you for joining us to discuss RBB 00:00:41.959 -- 00:00:46.202 Bancorp's results for the fourth quarter of 2025. 00:00:46.205 -- 00:00:52.361 With me today, our president and CEO, Johnny Lee, Chief Financial Officer Lynn Hopkins, 00:00:52.361 -- 00:00:58.148 Chief Credit Officer Jeffrey Yeh, and Chief Operations Officer Gary Fan. 00:00:58.148 -- 00:01:02.073 Johnny and Lynn will briefly summarize the results, which can be found in the earnings 00:01:02.073 -- 00:01:05.578 press release and investor presentation. 00:01:05.578 -- 00:01:09.223 They're available on our investor relations website. 00:01:09.223 -- 00:01:12.104 And then we'll open up the call to your questions. 00:01:12.104 -- 00:01:16.430 I would ask that everyone please refer to the disclaimer regarding forward-looking statements 00:01:16.430 -- 00:01:21.136 in the investor presentation and the company's SEC filings. 00:01:21.136 -- 00:01:26.202 Now I'd like to turn the call over to RBB Bancorp's President and Ch...