Bank7 Corp.

Good morning, everyone. Welcome to Bank 7 Corp's second quarter earnings call. Before we get started, I'd like to highlight the legal information and disclaimer on page 25 of the investor presentation. For those who do not have access to the presentation, management is going to discuss certain topics that contain forward-looking information just based on the management's beliefs, as well as assumptions made by and information currently available to management. Although management believes that the expectations reflected in such forward-looking statements are reasonable, they can give no assurance that such expectations will prove to be correct. Such statements are subject to certain risks, uncertainties, and assumptions, including, among other things, the direct and indirect effect of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators. Should one or more of these risks materialize or should underlying assumptions prove incorrect, actual results may vary materially from those expected. Also, please note that this conference call contains references to non-GAAP financial measures. You can find reconciliations of these non-GAAP financial measures to GAAP financial measures in an 8-K that was filed this morning by the company. Representing the company on today's call, we have Brad Haynes, Chairman, Tom Travis, President and CEO, J.T. Phillips, Chief Operating Officer, Jason Estes, Chief Credit Officer, and Kelly Harris, Chief Financial Officer. With that, I would like to turn the floor over to Tom Travis.

Thank you. Good morning and welcome, everyone. We were pleased with our quarter and pleased with our year to date. If you Boil it all down to why we were able to, again, have record profits and earnings per share. It's really a story of sticking to your fundamentals, our fundamentals, and relationship banking. And, you know, we're proud of the banking team that we have, the bankers, the executive management, all the way down to the front line. And, you know, we just continue to stay focused on our fundamentals. And we are also mindful of what's going on in the market. And we're carrying excess liquidity just in case. And we're happy with the position of that balance sheet that continues to have no debt, extra liquidity, and plenty of money for turbulence should it come into the markets again. And so with that being said, It's not sexy and fancy, but fundamentals just don't go out of style, as they say, and we're real pleased about it. And I think if you look back at the prior two quarters earnings call commentary, maybe three quarters, the year has kind of shaped up the way we thought it would. And, you know, with the Fed continuing to increase rates, clearly the funding costs have gone up, but we've managed our margin within our historical ranges and very happy about that. So with all that being said, we're happy to take any and all calls or questions you may have. Thank you.

Ladies and gentlemen, at this time, we'll begin the question and answer session. To ask a question, you may press star and then one using your touchtone telephones. To withdraw your questions, you may press star and two. If you are using a speakerphone, Do ask that you please pick up the handset prior to pressing the numbers to ensure the best sound quality. Once again, in order to join the question queue, you may press star and one. Our first question today comes from Tom Windler from Stevens Incorporated. Please go ahead with your question.