United Bancorporation of Alabama, Inc. (OTCQX:UBAB) Q3 2025 Earnings Call November 19, 2025 7:00 AM EST Company Participants Brian Bruley Michael Vincent - President, CEO & Director David Stewart - Executive VP & Chief Credit Officer Leigh Russell-Jones - Executive VP & CFO Presentation Brian Bruley Good morning, and welcome to United Bancorporation's Third Quarter 2025 Earnings Call. I'm Brian Bruley.