Bank7 Corp.

Welcome to the Bank7Corp second quarter 2025 earnings call. Before we get started, I'd like to highlight the legal information and disclaimer on page 27 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, which is based on 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, 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 8K that was filed this morning by the company. Representing the company on today's call, we have Tom Travis, President and CEO, J.T. Phillips, Chief Operating Officer, Jason Estes, Chief Credit Officer, Kelly Harris, Chief Financial Officer, and Paul Timmons, Director of Accounting. With that, I'll turn the call over to Tom Travis.

Thank you. Welcome to the call. We obviously had a great quarter, as you can see in the results. Before we get to that, a couple of weeks ago today, there was a really bad flood in my hometown of Kerrville, Texas. And so, Anyone on the call that has money left in their budgets for relief fund, there's a great organization there, Kerr County Relief Fund. They really need support, so consider that when you're looking at your expenditures in that area. I'm sure that the people down there will put it to good use. Back to the call, it was one of our best quarters ever, and we always have to recognize that those results happen because of our talented group of bankers. They drove strong loan and deposit growth, and we thank them very, very much. As you can see, we maintained our NIM on the higher end of our historical range, and we also continued to benefit from that low efficiency ratio. When you put those factors together with the solid loan growth, we experienced nice, strong core earnings. We're very comfortable with our asset quality, and I always give a shout out to Jason Estes and his team They've done an excellent job of maintaining a high-quality credit book while at the same time growing that portfolio. So we're very proud of our results. We're pleased to continue to provide shareholders with excellent top-tier results. And without further ado, I guess we're standing by for any questions you may have.

Thank you. We'll now begin the question-and-answer session. To ask a question, you may press star, then 1 on your touchtone phone. If you are using a speaker phone, please pick up your handset before pressing any keys. If at any time your question has been addressed and you would like to withdraw your question, please press star then two. At this time, we will pause for just a moment to assemble our roster. And your first question today will come from Woody Lay with KBW. Please go ahead.