Webster Financial Corporation (WBS) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning. Welcome to Webster's Financial Corporation's fourth quarter 2025 earnings conference call. Please note that this event is being recorded. I would now like to introduce Webster's Director of Investor Relations, Emelyn Harmon, to introduce the call. Mr. Harmon, please go ahead. Good morning. Before we begin our remarks, I want to remind you that comments made by management may include forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and are subject to the Safe Harbor rules. Please review the forward-looking disclaimer in Safe Harbor language in today's press release and presentation for more information about risks and uncertainties which may affect us. The presentation accompanying management's remarks can be found on the company's investor relations website at investors.websterbank.com. I'll now turn the call over to Webster Financial CEO, John Sciullo. Thanks, Emily. Good morning and welcome to Webster Financial Corporation's fourth quarter and full year 2025 earnings call. We appreciate you joining us this morning. I'm going to start with a quick synopsis of the year. Our President and Chief Operating Officer, Luis Maciani, is going to provide an update on operating developments, and our CFO, Neil Holland, will provide additional detail on financials before my closing remarks and Q&A. Webster continued to excel from a fundamental perspective in the fourth quarter, and we entered 2026 on our front foot. Our strategic efforts in 2025 largely focused on execution, and our performance was consistently strong over the course of this year. Despite an uncertain macro backdrop at times, we held our focus on delivering for our clients and enhancing the operating capabilities of the bank. On a full year basis...