Banner Corporation

Hello, and thank you for standing by. My name is Tiffany, and I will be your conference operator today. At this time, I would like to welcome everyone to the Banner Corporation first quarter 2026 conference call and webcast. 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 that time, simply press star then the number one on your telephone keypad. I would now like to turn the call over to Mark Gruskiewicz, President and Chief Executive Officer of Banner Corporation. Mark, please go ahead.

Thank you, Tiffany, and good morning, everyone. I would also like to welcome you to the first quarter of 2026 earnings call for Banner Corporation. Joining me on the call today is Rob Butterfield, Banner Corporation's Chief Financial Officer, Joe Rice, our Chief Credit Officer, and Rich Arnold, our Head of Investor Relations. Rich, would you please read our forward-looking safe harbor statement?

Here, Mark. Good morning. Our presentation today discusses Banner's business outlook and will include forward-looking statements. These statements include descriptions of management plans, objectives, or goals for future operations, products and services, forecast of financial or other performance measures, and statements about Banner's general outlook for economic and other conditions. We also may make other forward-looking statements in the question and answer period following management's discussion. These forward-looking statements are subject to a number of risks and uncertainties, and actual results may differ materially from those discussed today. Information on the risk factors that could cause the actual results to differ are available in the earnings press release that was released yesterday. And I recently filed form 10 K for the year ended December 31st, 2025 for looking statements are effective. The only other, the dates they are made and banner, it seems no obligation to update information concerning its expectations. Mark.