Operator
Good day, and welcome to the Simmons First National Corporation’s Fourth Quarter Earnings Conference Call and Webcast. [Operator Instructions] Please note today’s event is being recorded.
I would now like to turn the conference over to Ed Bilek, Director of Investor Relations.
Edward Bilek
Executive VP & Director of Investor and Media Relations
Good morning, and welcome to Simmons First National Corporation’s Fourth Quarter 2025 Earnings Call. Joining me today are several members of our executive management team, including President and CEO, Jay Brogdon; CFO, Daniel Hobbs; and Chief Operating Officer, Chris Van Steenberg.
Today’s call will be in a Q&A format. Before we begin, I would like to remind you that our fourth quarter earnings materials, including the earnings release and presentation deck are available on our website at simmonsbank.com under the Investor Relations tab.
During today’s call, we will make forward-looking statements about our future plans, goals, expectations, estimates, projections and outlook including, among others, our outlook regarding future economic conditions, interest rates, lending and deposit activity, credit quality, liquidity and net interest margin.
These statements involve risks and uncertainties, and you should therefore not place undue reliance on any forward-looking statements as actual results could differ materially from those expressed in or implied by the
