VersaBank (VBNK:CA) Q3 2025 Earnings Call Transcript

Operator

Good morning, ladies and gentlemen, and welcome to VersaBank’s Third Quarter Fiscal 2025 Financial Results Conference Call. Earlier today, VersaBank issued a news release reporting its financial results for the third quarter ended July 31, 2025. That news release, along with VersaBank’s financial statements and MD&A are available on VersaBank’s website in the Investor Relations section.

Please note, VersaBank is webcasting this conference call live over the Internet. The webcast is listen only. [Operator Instructions] Please dial into the conference lines, the details of which are included on the current slide of the presentation as well as in the morning’s news release and on VersaBank’s website. For those participating in today’s call by telephone, the accompanying slide presentation is available as a stand-alone file on VersaBank’s website. Please note that today’s call is being archived for replay both by telephone and via the Internet beginning approximately 1 hour following completion of the call. Details on how to access the replays are available in this morning’s news release.

I would like to remind our listeners that the statements about future events made on this call are forward-looking in nature and are based on certain assumptions and analysis made by VersaBank management. Actual results could differ materially from our expectations due to various material risks and uncertainties associated with VersaBank’s businesses. Please refer to VersaBank’s forward-looking statement advisory in today’s presentation.

And now I would like to turn the call over to David