First Internet Bancorp (INBK) Q4 2025 Earnings Call Transcript

Operator

Thanks for standing by. My identify is Sylvia, and I might be your convention operator as we speak. At the moment, I want to welcome everybody to the First Web Bancorp Earnings Convention Name for the Fourth Quarter and Full Yr 2025. [Operator Instructions] Please observe that this occasion is being recorded.

It’s now my pleasure to show the decision over to Julia Ferrara from ICR. You could start your convention.

Julia Ferrara

Thanks, operator. Hi there, everybody, and thanks for becoming a member of us to debate First Web Bancorp’s Fourth Quarter and Full Yr 2025 Monetary outcomes. The corporate issued its earnings press launch earlier this afternoon, and it’s out there on the corporate’s web site at www.firstinternetbancorp.com. As well as, the corporate has included a slide presentation you could seek advice from through the name. You can too entry these slides on the web site.

Becoming a member of us from the administration crew as we speak are Chairman and CEO, David Becker; President and COO, Nicole Lorch; and Govt Vice President and CFO, Ken Lovik. David and Nicole will present an outline, and Ken will talk about the monetary outcomes, after which we’ll open up the decision to your questions.

Earlier than we start, I would prefer to remind you that this convention name incorporates forward-looking statements with respect to the longer term efficiency and monetary situation of First Web Bancorp that