Financial Data and Key Metrics Changes - The company reported a 62% increase in net interest income compared to Q4 2024, driven by a 62 basis point expansion in net interest spread [3][4] - Net income and earnings per share more than doubled on an adjusted basis, with improved returns on average assets and tangible equity [3][4] - Unadjusted pre-provision net revenue decreased by 2% on a linked quarter basis, primarily due to higher expenses [12] Business Line Data and Key Metrics Changes - Non-interest income for the year increased, with significant growth coming from fees on loans and deposit products [12] - Quarterly expenses rose by 1.5% year-over-year and 5% on a linked quarter basis, attributed to lower loan volumes and elevated incentive accruals [12] Market Data and Key Metrics Changes - The acquisition of Presence Bank resulted in a 20% increase in the asset base and the addition of four branches in key regions [4] - The company is focused on integrating Presence Bank's operations and enhancing brand recognition across the new combined entity [6] Company Strategy and Development Direction - The company has established four strategic priorities for 2026, including the successful integration of Presence Bank, increasing operational efficiency through AI, strengthening the talent pool, and enhancing shareholder value [5][10] - The integration will involve unifying systems and practices, adopting best-in-class policies, and leveraging AI tools to improve customer experience [6][7] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the company's performance in 2025 and the potential for continued growth in 2026, supported by a larger asset base and expanded geographic coverage [16] - The focus remains on maintaining a strong financial position and actively growing assets through deposits and strategic M&A opportunities [10] Other Important Information - The company welcomed new executives and board members as part of its growth strategy following the acquisition [8][9] - Management emphasized the importance of community engagement and delivering financial solutions alongside an outstanding customer experience [8] Q&A Session Summary - No questions were raised during the Q&A session, and the call concluded with management expressing satisfaction with the company's accomplishments and optimism for the future [15][17]

Live Oak Bancshares (NYSE:LOB) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Company ParticipantsWilliam C. Losch III - PresidentWalter Phifer - CFOChip Mahan - ChaIrman and CEOGreg Seward - EVP and General CounselConference Call ParticipantsDavid Feaster - AnalystBilly Young - AnalystCrispin Love - AnalystDavid Rochester - AnalystTimothy Switzer - AnalystOperatorGood morning, ladies and gentlemen, and welcome to Live Oak Bancshares' fourth quarter 2025 earnings conference call. At this time, all lines ...

Abbott Laboratories (NYSE:ABT) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Company ParticipantsRobert Ford - CEOPhilip Boudreau - CFOMike Comilla - VP of Investor RelationsConference Call ParticipantsRobbie Marcus - AnalystTravis Steed - AnalystJoanne Wunsch - AnalystDavid Roman - AnalystDanielle Antalffy - AnalystJoshua Jennings - AnalystMatt Taylor - AnalystLawrence Biegelsen - AnalystVijay Kumar - AnalystOperatorGood morning, and thank you for standing by. Welcome to Abbott's fourth quarter 2025 e ...

Norwood Financial (NasdaqGM:NWFL) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Company ParticipantsJohn McCaffery - EVP and CFOKristen Lancia - VP and Marketing ManagerJames F. Donnelly - President and CEOKristen LanciaThank you, Michelle. Good morning, everyone. Welcome to our Q4 2025 earnings conference call. With me today are Jim Donnelly, CEO, and John McCaffery, CFO. The press release we issued earlier this morning, together with the presentation material that accompanies our remarks, is availabl ...

Abbott Laboratories (NYSE:ABT) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Company ParticipantsRobert Ford - CEOPhilip Boudreau - CFOMike Comilla - VP of Investor RelationsConference Call ParticipantsRobbie Marcus - AnalystTravis Steed - AnalystDavid Roman - AnalystDanielle Antalffy - AnalystJoshua Jennings - AnalystMatt Taylor - AnalystLawrence Biegelsen - AnalystVijay Kumar - AnalystJoanne Wuensch - AnalystOperatorGood morning, and thank you for standing by. Welcome to Abbott's fourth quarter 2025 ...

Texas Capital Bancshares (NasdaqGS:TCBI) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Company ParticipantsWoody Lay - VPMichael Rose - Managing Director of Equity ResearchJocelyn Kukulka - Head of Investor RelationsRob Holmes - Chairman, President, and CEOJanet Lee - Director of U.S. Mid-Cap Banks Equity ResearchAnthony Elian - Equity Research BanksMatt Scurlock - CFOJackson Singleton - Equity Research AssociateJon Arfstrom - Managing Director and Associate Director of US ResearcConference Call Partic ...

A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Corporation's Annual Report on Form 10-K for the year ended December 31, 2024, Quarterly Reports on Form 10-Q for the quarters ending ...

Texas Capital Bancshares (NasdaqGS:TCBI) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Speaker0Welcome, everyone. The Texas Capital Bancshares Inc. four-year and Q4 2025 earnings call will begin shortly. In the meantime, if you would like to pre-register to ask a question, please press star followed by one on your telephone keypad. If you change your mind, please press star followed by two. Thank you. Hello, everyone, and thank you for joining the Texas Capital Bancshares Inc. four-year and Q4 2025 ear ...

FCX Conference Call 4 th Quarter and Year Ended 2025 Results January 22, 2026 fcx.com Cautionary Statement This presentation contains forward-looking statements in which FCX discusses its potential future performance, operations and projects. Forward-looking statements are all statements other than statements of historical facts, such as plans, projections or expectations relating to business outlook, strategy, goals or targets; repair and remediation efforts, and phased restart and ramp-up of production an ...

TrustCo Bank NY (NasdaqGS:TRST) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Speaker2Good day. Welcome to the TrustCo Bank Corp NY fourth quarter earnings call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero on your keypad. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star and then one on your telephone keypad. To withdraw your ques ...