Equity Bancshares, Inc.

Thank you for your patience, everyone. The Equity Bank Shares 2025 Q3 earnings call will begin shortly. In the meantime, you can register to ask questions by pressing star followed by one on your telephone keypad. Thank you. Thank you for your patience, everyone. The Equity Bank Shares Inc. 2025 Q3 earnings call will begin in two minutes' time. Thank you. Hello and welcome to the Equity Bank Shares 2025 Q3 Earnings Call. My name is Carla and I will be coordinating your call today. During today's presentation, you can register to ask questions by pressing star followed by one on your telephone keypad. If you change your mind, please press star followed by two. I would now like to hand you over to the Vice President, Director of Corporate Development and Investor Relations, Brian Katzweil, to begin. Please go ahead when you're ready, Brian.

Good morning. Thank you for joining us today for Equity Bank Share's third quarter earnings call. Before we begin, let me remind you that today's call is being recorded and is available via webcast at investor.equitybank.com, along with our earnings release and presentation materials. Today's presentation contains forward-looking statements which are subject to certain risks, uncertainties, and other factors that could cause actual results to differ materially from those discussed. Following the presentation, we will allow time for questions and further discussion. Thank you all for joining us. With that, I'd like to turn the call over to our chairman and CEO, Brad Elliott.

Good morning, and thank you for joining Equity Bank Shares' earnings call. Joining me today is Rick Sims, our bank CEO, and Chris Navratil, our CFO. We're excited to take you through one of the busiest, most transformational quarters our company has realized in its history. We kicked off the quarter with the close of our merger with NBC on July 2nd, adding locations throughout Oklahoma including a new metro market in Oklahoma City and many outstanding other communities in Oklahoma. At close, the merger added $665 million in loans and $808 million in deposits to the legacy equity bank balance sheet, serviced by an excellent team that is motivated to continue to drive growth in our now broader Oklahoma market. The last two weeks of August, we converted NBC onto Equity Bank's core system. We're now operating fully integrated and all of the expenses will be run out in the third quarter with a few trailing into the fourth quarter as we've now fully integrated that transaction. Following close of NBC, We marketed and closed on a subordinated debt base, providing $75 million in capital at the holding company to allow the continued execution of our dual growth model. In September, we announced our definitive merger agreement with Frontier Holdings, the parent company of Frontier Bank. The transaction will extend Equity Bank's footprint into Nebraska. a market we have been working to enter for many years. This adds strong earning assets and an engaged and highly productive team with locations in Omaha, Lincoln, and other nearby communities. Entering the year following our capital raise in December 2024, we had a strategic roadmap to enter both Oklahoma City and Omaha in 2025. We have accomplished our goal via two mergers with like-minded partners that provide ready-built scale to each of these markets. I want to take a minute to thank all the Equity Bank team members that have put the time and effort to position us for success on all of these transactions. Julia Huber is best in class at organizing due diligence spearheading the process and driving integration. Our continued success in closing these transactions is a credit to Julie and her team. Dave Pass and Becky Winter drive the technology integration and adoption process, allowing for near seamless conversions. Jonathan Roop and his team of retail operators and ambassadors man the lobbies to assist customers with the transition. And Brian Caspi and Brett Reber work with our regulators to facilitate a timely application process that allows them to be approved as quick as time as possible. All transactions take committed effort from our organization and our team members for us to continue to shine and be able to execute on our strategies. In addition to all of that, our legacy franchise and team members continue to be there for the communities and customers as we realize non-acquired growth in both loans and deposits portfolios during the period. We close the quarter with our annual board strategic retreat and left it energized to continue to grow Equity Bank, both in our current footprint that we're operating in and an expanding footprint in Nebraska. The board and management are aligned and confident in our capacity to execute on the opportunities ahead of us. I am proud of all that we have accomplished in the quarter and I'm excited about all that we have positioned to accomplish as we close 2025 and to move to 2026. I'll pause and hand it over to Chris to walk you through our financial results.