Northeast Bank (NBN) is a public company. Northeast Bank (NASDAQ: NBN) is headquartered in Portland, Maine and operates as both a national lender and a community bank.

Our National Lending Division originates and acquires commercial real estate loans nationwide, with a focus on complex credit structures and secondary market transactions. We deliver tailored financing solutions to a broad, national client base.

Through our Small Business segment, we serve as a Small Business Administration Preferred Lender, providing government-guaranteed loans and small-balance insured financing across the country.

Regionally, Northeast Bank offers a full suite of depository, cash management, and treasury services, supported by seven full-service banking centers across Maine.

Northeast Bank (NASDAQ: NBN) is a full-service bank headquartered in Portland, Maine. We are both an experienced, balance sheet lender offering speed, certainty of execution and creativity to structure loan originations and acquisitions nationally, and a full-service bank serving customers in Western, Central, and Southern Maine.

We originate and purchase commercial loans nationally - secured by all types of real estate (with the exception of land and construction), equipment or other business assets, including government guaranteed (SBA and USDA) loans. In Maine, we also provide a full range of personal and business banking services, from banking accounts to financing options to cash management.

At Northeast Bank, we are committed to bettering the lives of those in need. We focus our charitable efforts in the markets we serve and aim to raise the aspirations of our youth, support those in need, and promote economic development.

Please note this is not a customer service channel, if you need account help, visit our website, schedule an appointment, or call 1.800.284.5989.

We reserve the right to remove inappropriate content and may block users for repeated violations. Founded in 1872. It has 365 employees.

Transcript

Operator

Welcome to the Northeast Bank fourth quarter FY 2026 earnings call. My name is Michelle, and I will be your operator for today's call. This call is being recorded. With us today from the bank is Rick Wayne, President and Chief Executive Officer, Santino Delmolino, Chief Financial Officer, and Pat Dignan, Chief Operating Officer and Chief Credit Officer. Prior to the call, an investor presentation was uploaded to