{"id":12901,"date":"2026-01-20T19:10:49","date_gmt":"2026-01-20T19:10:49","guid":{"rendered":"https:\/\/lendingsensibly.com\/?p=12901"},"modified":"2026-01-20T19:10:50","modified_gmt":"2026-01-20T19:10:50","slug":"mercantile-bank-corporation-mbwm-q4-2025-earnings-call-transcript","status":"publish","type":"post","link":"https:\/\/lendingsensibly.com\/?p=12901","title":{"rendered":"Mercantile Bank Corporation (MBWM) Q4 2025 Earnings Call Transcript"},"content":{"rendered":"
\n

Operator<\/strong><\/span><\/p>\n

Good morning, and welcome to the Mercantile Bank Corporation 2025 Fourth Quarter Earnings Results Conference Call. [Operator Instructions]. Please note, this event is being recorded.<\/p>\n

I would now like to turn the conference over to Nichole Kladder, Chief Marketing Officer of Mercantile Bank. Please go ahead.<\/p>\n<\/p><\/div>\n

\n

Nichole Kladder<\/strong><\/span><\/p>\n

Hello, and thank you for joining us. Today, we will cover the company’s financial results for the fourth quarter of 2025. The team members joining me this morning include Ray Reitsma, President and Chief Executive Officer; as well as Chuck Christmas, Executive Vice President and Chief Financial Officer.<\/p>\n

Our agenda will begin with prepared remarks by both Ray and Chuck and will include references to our presentation covering this quarter’s results. You can access a copy of the presentation as well as the press release sent earlier today by visiting mercbank.com.<\/p>\n

After our prepared remarks, we will then open the call to your questions. Before we begin, it is my responsibility to inform you that this call may involve certain forward-looking statements such as projections of revenue, earnings and capital structure as well as statements on the plans and objectives of the company’s business.<\/p>\n

The company’s actual results could differ materially from any forward-looking statements made today due to factors described in the company’s latest Securities and Exchange Commission filings. The company assumes no obligation to<\/p>\n<\/p><\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Operator Good morning, and welcome to the Mercantile Bank Corporation 2025 Fourth Quarter Earnings Results Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Nichole Kladder, Chief Marketing Officer of Mercantile Bank. Please go ahead. Nichole Kladder Hello, and thank you for joining us. Today, we will cover the company’s financial results for the fourth quarter of 2025. The team members joining me this morning include Ray Reitsma, President and Chief Executive Officer; as well as Chuck Christmas, Executive Vice President and Chief Financial Officer. Our agenda will<\/p>\n","protected":false},"author":1,"featured_media":525,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-12901","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\nMercantile Bank Corporation (MBWM) Q4 2025 Earnings Call Transcript | LendingSensibly<\/title>\n<meta name=\"description\" content=\"Operator Good morning, and welcome to the Mercantile Bank Corporation 2025 Fourth Quarter Earnings Results Conference Call. . Please note, this event is\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lendingsensibly.com\/?p=12901\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mercantile Bank Corporation (MBWM) Q4 2025 Earnings Call Transcript | LendingSensibly\" \/>\n<meta property=\"og:description\" content=\"Operator Good morning, and welcome to the Mercantile Bank Corporation 2025 Fourth Quarter Earnings Results Conference Call. . Please note, this event is\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lendingsensibly.com\/?p=12901\" \/>\n<meta property=\"og:site_name\" content=\"LendingSensibly\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-20T19:10:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-20T19:10:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lendingsensibly.com\/wp-content\/uploads\/2023\/10\/og_image_1200-29b2bfe1a595477db6826bd2126c63ac2091efb7ec76347a8e7f81ba17e3de6c.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lendingsensibly.com\/?p=12901\",\"url\":\"https:\/\/lendingsensibly.com\/?p=12901\",\"name\":\"Mercantile Bank Corporation (MBWM) Q4 2025 Earnings Call Transcript | LendingSensibly\",\"isPartOf\":{\"@id\":\"https:\/\/lendingsensibly.com\/#website\"},\"datePublished\":\"2026-01-20T19:10:49+00:00\",\"dateModified\":\"2026-01-20T19:10:50+00:00\",\"author\":{\"@id\":\"https:\/\/lendingsensibly.com\/#\/schema\/person\/bba58c936ef25612e663af4208f0833e\"},\"description\":\"Operator Good morning, and welcome to the Mercantile Bank Corporation 2025 Fourth Quarter Earnings Results Conference Call. . Please note, this event is\",\"breadcrumb\":{\"@id\":\"https:\/\/lendingsensibly.com\/?p=12901#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/lendingsensibly.com\/?p=12901\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/lendingsensibly.com\/?p=12901#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/lendingsensibly.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mercantile Bank Corporation (MBWM) Q4 2025 Earnings Call Transcript\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/lendingsensibly.com\/#website\",\"url\":\"https:\/\/lendingsensibly.com\/\",\"name\":\"FinMarkPros\",\"description\":\"Latest Finance News and Updates\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/lendingsensibly.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/lendingsensibly.com\/#\/schema\/person\/bba58c936ef25612e663af4208f0833e\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/lendingsensibly.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/61700406310641358e8710e46179ca8b1a1beb6bc27b125bf3bf34fa7db4e240?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/61700406310641358e8710e46179ca8b1a1beb6bc27b125bf3bf34fa7db4e240?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/lendingsensibly.com\"],\"url\":\"https:\/\/lendingsensibly.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Mercantile Bank Corporation (MBWM) Q4 2025 Earnings Call Transcript | LendingSensibly","description":"Operator Good morning, and welcome to the Mercantile Bank Corporation 2025 Fourth Quarter Earnings Results Conference Call. . Please note, this event is","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lendingsensibly.com\/?p=12901","og_locale":"en_US","og_type":"article","og_title":"Mercantile Bank Corporation (MBWM) Q4 2025 Earnings Call Transcript | LendingSensibly","og_description":"Operator Good morning, and welcome to the Mercantile Bank Corporation 2025 Fourth Quarter Earnings Results Conference Call. . Please note, this event is","og_url":"https:\/\/lendingsensibly.com\/?p=12901","og_site_name":"LendingSensibly","article_published_time":"2026-01-20T19:10:49+00:00","article_modified_time":"2026-01-20T19:10:50+00:00","og_image":[{"width":1200,"height":1200,"url":"https:\/\/lendingsensibly.com\/wp-content\/uploads\/2023\/10\/og_image_1200-29b2bfe1a595477db6826bd2126c63ac2091efb7ec76347a8e7f81ba17e3de6c.png","type":"image\/png"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/lendingsensibly.com\/?p=12901","url":"https:\/\/lendingsensibly.com\/?p=12901","name":"Mercantile Bank Corporation (MBWM) Q4 2025 Earnings Call Transcript | LendingSensibly","isPartOf":{"@id":"https:\/\/lendingsensibly.com\/#website"},"datePublished":"2026-01-20T19:10:49+00:00","dateModified":"2026-01-20T19:10:50+00:00","author":{"@id":"https:\/\/lendingsensibly.com\/#\/schema\/person\/bba58c936ef25612e663af4208f0833e"},"description":"Operator Good morning, and welcome to the Mercantile Bank Corporation 2025 Fourth Quarter Earnings Results Conference Call. . Please note, this event is","breadcrumb":{"@id":"https:\/\/lendingsensibly.com\/?p=12901#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lendingsensibly.com\/?p=12901"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/lendingsensibly.com\/?p=12901#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lendingsensibly.com\/"},{"@type":"ListItem","position":2,"name":"Mercantile Bank Corporation (MBWM) Q4 2025 Earnings Call Transcript"}]},{"@type":"WebSite","@id":"https:\/\/lendingsensibly.com\/#website","url":"https:\/\/lendingsensibly.com\/","name":"FinMarkPros","description":"Latest Finance News and Updates","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lendingsensibly.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/lendingsensibly.com\/#\/schema\/person\/bba58c936ef25612e663af4208f0833e","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lendingsensibly.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/61700406310641358e8710e46179ca8b1a1beb6bc27b125bf3bf34fa7db4e240?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/61700406310641358e8710e46179ca8b1a1beb6bc27b125bf3bf34fa7db4e240?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/lendingsensibly.com"],"url":"https:\/\/lendingsensibly.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/posts\/12901","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12901"}],"version-history":[{"count":1,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/posts\/12901\/revisions"}],"predecessor-version":[{"id":12902,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/posts\/12901\/revisions\/12902"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/media\/525"}],"wp:attachment":[{"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12901"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12901"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12901"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}