Bank7 Corp.

Welcome to Bank 7 Corps First Quarter 2026 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, 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 and 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, 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. Please go ahead.

Thank you. Welcome to the meeting. As you can see, we're happy with our results today. As we regularly say, we're probably a little boring in this area, but we have to thank our team of bankers. And I know some of them listen to these calls, and if you're on the call, thank you. And we have a great group that's been together for a few decades. And it's very comforting to have such a strong, deep, broad team. And that's why we produce the results that we do. And so I suppose it's a little boring for some people quarter after quarter where we're always putting up these fantastic results. But it takes a lot of effort. We don't take many days off around here, and we do it the right way, and the results speak for themselves. And so last quarter, I think the markets were expecting rate cuts in this quarter. Now the market's thinking maybe the rates will go the other way due to the increase in commodity prices associated with the Middle Eastern conflict. Who knows? But the reason that... that I bring it up is that we are really proud of our ability to manage our NIM and to properly mix our balance sheet. And we're not concerned about rates going down or rates going up. We're positioned either way. And so with all of that said, you can see the major metrics in the deck. And we're here to answer any questions.

So thank you.