Avidbank Holdings, Inc.

Good morning. My name is Tiffany, and I will be your conference operator today. At this time, I would like to welcome everyone to the Avid Bank Holdings, Inc. first quarter 2026 earnings conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, Simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, simply press star one again. Thank you. I'd like to introduce the presenters, Chairman and CEO Mark Mordell, Chief Financial Officer Pat Oaks, and Chief Operating Officer Gina Toma-Peterson. You may begin your conference.

Good morning. Thank you for joining us today for the Avid Bank's first quarter 2026 earnings call. Before we begin, let me remind you that today's call is being recorded and is available in the investor relations section of our website at avidbank.com, along with our earnings release and presentation materials. Today's call contains forward-looking statements which are subject to certain risks, uncertainties, and other factors that could cause actual results to differ materially from those discussed. Those statements are intended to be covered in the safe harbor provisions of the federal securities laws. For a list of factors that may cause actual results to differ materially from expectations, please refer to our earnings release under the heading forward-looking statements, as well as the disclosures contained within our SEC filing. We will also reference non-GAAP financial measures alongside our discussion of GAAP results. We encourage you to review the GAAP to non-GAAP reconciliations provided in our earnings release. With that, I'd like to turn the call over to our chairman and CEO, Mark Mordell.

Thank you, Tina, and thank you all for attending our Q1 earnings call. We appreciate your interest as well as your support. As we stated in the release overall, we're pleased with what we've accomplished, not only for Q1, but certainly what we've done over the last several quarters in putting ourselves in a more profitable position. profitable metrics situation. I'm not a big believer in seasonality, but as far as first quarters goes, this was a pretty good quarter for us. We usually have some pullback and shrinkage, and we were able to grow loans by about $25 million, and our core deposits were reasonably flat. Although Pat's going to give you certainly some more metric information, and we're going to follow it up with some with some questions after that. So at this point, I'd like to turn over to Pat and kind of go through the quarter, the high level metrics, and we'll open up for questions.