Avidbank Holdings, Inc.

Good morning.

My name is Ben and I will be your conference operator today. At this time, I would like to welcome everyone to the Avid Bank Holdings, Inc., third 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, press star one again. Thank you. I'd like to introduce the presenters, Chairman and CEO Mark Mordell, Chief Financial Officer Pat Oakes, and Chief Operating Officer Gina Peterson. You may begin your conference.

Good morning. Thank you for joining us today for the Avid Bank Holdings third quarter 2026 earnings conference 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. These statements are intended to be covered by 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 filings. 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.