Bank7 Corp.

Welcome to the Bank 7 Corp. Third Quarter 2026 Earnings Call. Before we get started, I'd like to highlight the legal information and disclaimer on page 25 of the investor's 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 be proved 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 the 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 Haines, Chairman, Tom Travis, President and CEO, J.T. Phillips, Chief Operating Officer, Jason Estes, Chief Credit Officer, Kelly Harris, Chief Financial Officer, Paul Timmons, Director of Accounting. With that, I'll turn the call over to Tom Travis.

Thank you and welcome to the call. First and foremost, what a great company we have here at Bank 7. It doesn't happen by accident. Our team's been together a long time. We execute at a high level every day. We like to say it takes courage to be great, and we're proud of our consistent top-tier results. Just a fantastic company and really good results, especially given the all the things that we're having to do at the same time closing our recent acquisition. So a really great quarter. I would say that highlights would start out with very strong loan growth that is stronger than what it appears because we overcame substantial unscheduled pay downs from large customers. So our loan team as usual is functioning at a very high level and we're very thankful for them. and we discipline ourselves with our loan pricing and our deposit pricing and we properly manage that balance sheet which enables us to continue benefiting from that strong and consistent NIM. We also benefit from the robust economy and the business friendly markets down here in Texas and Oklahoma and it's a real blessing and we're mindful of that. for a long time people on the call were asking us what we were going to do with the excess capital and it was tempting to distribute some of those funds while the calls were being made asking us what we were going to do but we waited and we're glad we did and we're very excited about the pending merger with Century in New Mexico and it's a really good example of discipline and patience and prudent use of capital which really drives the metrics on how transformational, beneficial this transaction will be. The Century is an outstanding deposit and banking franchise that is well entrenched in the communities in New Mexico, especially Santa Fe and its surrounding areas. And we really look forward to that merger. We look forward to continue serving our existing communities and customers as well as and coming together as one team. So we're well positioned for the future. Looking forward to executing on our plans. And with that, we're here to answer any questions anyone might have. Thank you.

We will now begin the question and answer session. To ask a question, you may press star then one on your touchtone phone. If you are using a speakerphone, please pick up your handset before pressing the keys. If at any time your question has been addressed and you would like to withdraw your question, please press star then 2. At this time, we will pause momentarily to assemble our roster. The first question today comes from Woody Lay with KBW. Please go ahead.