Bank7 Corp.

Welcome to the Bank7Corp fourth quarter of the year 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, 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 8K 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, JP Phillips, Chief Operating Officer, Jason Estes, Chief Credit Officer, Kelly Harris, Chief Financial Officer, and Paul Timmons, Director of Accounting. Please also note, today's conference is being recorded. With that, I'd like to turn the call over to Tom Travis. Please go ahead.

Thank you. Good morning to everyone. We are delighted with our 2025 results. It seems like a broken record every quarter. But we have to acknowledge the great work done by our bankers, and especially this year. The outstanding loan growth, the strong loan fee income, and very solid organic deposit growth is not easy to do. And we are very fortunate to have such a dynamic and professional group of bankers, people that have worked together for a very, very long time, And so always, always appreciate what they do, and especially this year. And at the same time, while they were producing that tremendous growth in the loan fee income, they did it without sacrificing underwriting. And that enables us to really enjoy asset quality that is probably better than it's ever been. And it's also why we felt comfortable not increasing the provision more than we did this year or last year, even though we made such tremendous strides in the growth. Just again, a real congratulations and shout out to our great team. At the same time, our operations, IT, finance functions continue to evolve and they make our lives easy and something we don't take for granted. We want to thank and acknowledge the leadership in those functions as well. well positioned to continue performing at a very high level, and we're here to answer any questions anyone might have. Thank you.

Thank you. We will now begin the question and answer session. To ask a question, you may press star then 1 on your telephone keypad, and to answer your question, please press star then 2. If you are using a speakerphone, we ask that you please pick up your handset before pressing the keys. Once again, ladies and gentlemen, let's start with one if you have a question. Today's first question comes from Woody Lay at KBW. Please go ahead.