Equity Bancshares, Inc.

Hello and welcome to the Equity Bank Shares Inc. 2025 Q4 Earnings Call. My name is Carla and I will be coordinating your call today. During the 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 your host, Brian Katsuke, Vice President, Director of Corporate Development and Investor Relations to begin. Please go ahead when you're ready.

Good morning. Thank you for joining us today for Equity Bank Share's fourth 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 have 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, everyone. Thanks for being here today. Joining me are Rick Sims, our bank CEO, and Chris Navratil, our CFO. I'm really proud to wrap up what's been a big year for Equity Bank. We ended 2025 with a strong balance sheet and earnings that beat our expectations. We started the year with 5.3 billion in assets and finished with 6.4 billion in assets. We added an additional 1.4 billion when we closed the Frontier merger on January 1st. That's nearly 50% growth. With that kind of scale, we're pushing to earn more than $5 per share in 2026. That's a huge milestone. made possible by our team, our partners, and the trust of our investors. I couldn't be more proud of what our teams completed in 2025. While handling the two biggest transactions in our company's history, our folks stayed focused on what matters most, our customers. Despite a tough environment with more competition and lower rates, we still grew loans and deepened relationships. Everything we do is about making the best decisions for our customers, our employees, and our shareholders. In 2025 and into 2026, we stay true to our mission. We're creating opportunities for our people to grow, rolling out new products and processes to better serve our communities, and staying laser focused on delivering strong returns. Thanks to David Pass and our tech team, we're heading into 2026 with a big push on using technology to improve service and efficiency. We're focused on using data smarter and moving faster across the board. Even with the frontier acquisition, our capital position and generation remain strong. We'll keep being thoughtful about how we deploy capital to benefit everyone, our shareholders, customers, and employees. Our board, leadership, and team are all aligned and energized. I'm excited about what's ahead in 2026. I'll stop here and hand it over to Chris to walk through the numbers.