VersaBank (VBNK) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.036 Good morning, ladies and gentlemen, and welcome to VersaBank's third quarter fiscal 2025 00:00:05.036 -- 00:00:10.081 financial results conference call. Earlier today, VersaBank issued a news release 00:00:10.081 -- 00:00:15.665 reporting its financial results for the third quarter ended July 31st, 2025. 00:00:15.747 -- 00:00:20.912 That news release, along with VersaBank's financial statements and MD&E, are available 00:00:20.912 -- 00:00:25.097 on VersaBank's website in the investor relations section. 00:00:25.097 -- 00:00:29.798 Please note, VersaBank is webcasting this conference call live over the internet. 00:00:29.798 -- 00:00:34.966 The webcast is listened only. If you are listening to the webcast but wish to ask a question 00:00:34.966 -- 00:00:40.034 in the Q&A session following management's prepared remarks, please dial into the conference 00:00:40.034 -- 00:00:45.282 lines, the details of which are included on the current slide of the presentation, as 00:00:45.282 -- 00:00:49.749 well as in the morning's news release and on VersaBank's website. 00:00:49.749 -- 00:00:55.037 For those participating in today's call by telephone, the accompanying slide presentation 00:00:55.037 -- 00:00:59.178 is available as a standalone file on VersaBank's website. 00:00:59.178 -- 00:01:03.122 Please note that today's call is being archived for replay 00:01:03.122 -- 00:01:08.508 both by telephone and via the Internet beginning approximately one hour following completion 00:01:08.508 -- 00:01:13.674 of the call. Details on how to access the replays are available in this morning's 00:01:13.674 -- 00:01:18.840 news release. I would like to remind our listeners that the statements about future 00:01:18.840 -- 00:01:24.587 events made on this...