VersaBank (VBNK) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:01.516 -- 00:00:05.740 Good morning, ladies and gentlemen, and welcome to the VersaBank fourth quarter fiscal 00:00:05.740 -- 00:00:10.824 2025 financial results conference call. This morning, VersaBank issued 00:00:10.824 -- 00:00:15.788 news release reporting its financial results for the fourth quarter and year ended October 00:00:15.788 -- 00:00:17.710 31st, 2025. 00:00:17.710 -- 00:00:22.674 That news release, along with the bank's financial statements, MDNA and supplemental 00:00:22.674 -- 00:00:28.139 financial information are available on the bank's website in the investor relations section, 00:00:28.139 -- 00:00:33.622 as well as on Cedar Plus and Edgar. Please note, In addition to the telephone dial-in, 00:00:33.622 -- 00:00:37.105 VersaBank is webcasting this morning's conference call. 00:00:37.105 -- 00:00:42.331 The webcast is listen-only. If you are listening to the webcast but wish to ask a question 00:00:42.331 -- 00:00:45.954 in the Q&A session following Mr. Taylor's presentation, 00:00:45.954 -- 00:00:50.779 please dial into the conference line, the details of which are included in this morning's 00:00:50.779 -- 00:00:53.402 news release and on the bank's website. 00:00:53.402 -- 00:00:57.586 For those participating in today's call by telephone, the accompanying slide presentation 00:00:57.586 -- 00:01:02.676 is available on the bank's website. Also, today's call will be archived for replay 00:01:02.676 -- 00:01:08.163 both by telephone and via the internet, beginning approximately one hour following completion 00:01:08.163 -- 00:01:13.369 of the call. Details on how to access the replay is available in this morning's news 00:01:13.369 -- 00:01:18.095 release. I would like to remind our listeners that the statements about future events ...