First Financial Bancorp.

Bank Corp's second quarter and year-to-date financial results. Participating on today's call will be Archie Brown, President and Chief Executive Officer, Jamie Anderson, Chief Financial Officer, and Bill Harrod, Chief Credit Officer. Both the press release we issued yesterday and the accompanying slide presentation are available on our website at www.bankatfirst.com under the Investor Relations section. We'll make reference to the slides contained in the accompanying presentation during today's call. Additionally, please refer to the forward-looking statement disclosure contained in the second quarter 2025 earnings release, as well as our SEC filings, for a full discussion of the company's risk factors. The information we will provide today is accurate as of June 30, 2025, and we will not be updating any forward-looking statements or reflect facts or circumstances after the call. I'll now turn it over to Archie Brown.

Thank you, Scott. Good morning, everyone, and thank you for joining us on today's call. Yesterday afternoon, we announced our financial results for the second quarter And I'm thrilled with our performance this quarter. We achieved record revenue of $226.3 million, which represents a 5% increase over the same quarter one year ago, and drove adjusted earnings per share of $0.74, a return on assets of 1.54%, and a return on tangible common equity of 20%. The company's industry-leading profitability was once again driven by a robust net interest margin. Loan growth was 2% on an annualized basis, and we were pleased with broad-based growth in most portfolios, apart from commercial real estate, which declined due to higher payoffs. Q3 scheduled maturities in the IC portfolio are lower, and we expect higher overall loan growth in the second half of this year. We recorded adjusted non-interest income of $67.8 million in the second quarter, which was an 11% increase over the linked quarter, and a 10% increase over the second quarter of 2024. Growth in fees was broad-based, with mortgage, bank card, leasing business, and foreign exchange income all increasing by double-digit percentages over the linked quarter. We were also pleased with our expense management, with adjusted non-interest expenses increasing 1% compared to the first quarter, excluding leasing business expenses, which continue to increase as our operating lease portfolio grows, Adjusted non-interest expenses increased by less than 2% on a year-over-year basis. Asset quality was stable for the quarter. Net charge-offs declined 15 basis points from the first quarter to 21 basis points of total loans, and classified asset balances were relatively flat. Our outlook for asset quality remains positive, and we expect net charge-offs to be in the 20 to 25 basis points range for the remainder of this year. We're pleased with the strength of our capital levels. Regulatory ratios are very strong, and tangible common equity has continued to grow, increasing 16% over last year to 8.4%. Tangible value per share increased to $15.40, which was a 4% increase from the linked quarter and a 19% increase over the same period last year. We're also pleased to announce that our board of directors approved a $0.01 or 4.2% increase in the common dividend to 25 cents. The dividend payout remains approximately 35% of net income and continues to provide an attractive yield. With that, I'll now turn the call over to Jamie to discuss these results in greater detail. After Jamie's discussion, I'll wrap up with some additional forward-looking commentary and closing remarks.

Thank you, Archie. Good morning, everyone. Slides 4, 5, and 6 provide a summary of our most recent financial results. The second quarter results were excellent and included strong earnings, record revenues driven by a robust net interest margin, solid loan and deposit growth, and declining net charge-offs. Our net interest margin remains very strong at 4.05%, which represented a 17 basis point increase from the first quarter. Funding costs declined 12 basis points, driven by a 13 basis point decrease in deposit costs. while asset yields increased five basis points. Loan balances increased modestly during the quarter as growth in C&I, consumer, and our specialty businesses offset elevated prepayments in the ICRE portfolio. Average deposit balances increased $114 million due primarily to a seasonal influx in public funds and higher non-interest-bearing deposits. We maintained 21% of our total balances in non-interest-bearing accounts, and remain focused on growing lower-cost deposit balances. Turning to the income statement, second quarter fee income was solid, led by double-digit percentage growth in mortgage and bank card income. Additionally, our leasing and foreign exchange businesses had good quarters. Non-interest expenses increased slightly from the linked quarter due to increases in marketing expenses and incentive compensation, which is tied to the company's overall performance. Our efficiency efforts continue to impact our results positively, and we expect to see further benefits in the coming periods. Our ACL coverage increased slightly during the quarter to 1.34% of total loans. We recorded $9.8 million of provision expense during the period, which was driven by net charge-offs and loan growth. Overall, asset quality trends were stable. Net charge-offs declined 42% to 21 basis points on an annualized basis, while NPAs as a percentage of assets increased slightly during the period. Classified asset balances were relatively unchanged during the period of 1.15% of total assets. From a capital standpoint, our ratios are in excess of both internal and regulatory targets. Tangible book value increased $0.60 to $15.40, while our tangible common equity ratio increased 24 basis points to 8.4%. Additionally, our board of directors elected to increase our common dividend during the period. Increasing the common dividend is further proof of our commitment to deliver value to our shareholders. Slide seven reconciles our GAAP earnings to adjusted earnings, highlighting items that we believe are important to understanding our quarterly performance. Adjusted net income was $70.6 million, or 74 cents per share, for the quarter. Non-interest income was adjusted for gains on the sales of investment securities, while non-interest expense adjustments exclude the impact of acquisition and efficiency costs and other expenses not expected to recur. As depicted on slide 8, these adjusted earnings equate to a return on average assets of 1.54% and a return on average tangible common equity of 20% and a pre-tax pre-provision ROA of 2.14%. Turning to slides 9 and 10, net interest margin increased 17 basis points from the linked quarter to 4.05%. Asset yields increased five basis points compared to the prior quarter, as loan yields increased three basis points, and the yield on the investment portfolio increased nine basis points. Total funding costs declined 12 basis points, driven by a 13 basis point decrease in deposit costs compared to the linked quarter. Slide 12 illustrates our current loan mix and balance changes compared to the linked quarter. Loan balances increased 2% on an annualized basis. with growth in C&I, consumer, and specialty businesses outpacing a decline in ICRE driven by elevated prepayment activity. Slide 14 shows our deposit mix as well as the progression of average deposits from the linked quarter. In total, average deposit balances increased $114 million during the quarter. There was a seasonal influx in public funds, and we had solid growth in non-interest-bearing deposits. While on the consumer side, growth in retail CDs helped to offset declines in money market and interest-bearing demand accounts. Slide 15 illustrates trends in our average personal, business, and public fund deposits, as well as a comparison of our borrowing capacity to our uninsured deposits. On the bottom right of the slide, you can see our adjusted uninsured deposits were $3.8 billion. This equates to 27% of our total deposits. Remain comfortable with this concentration and believe our borrowing capacity provides sufficient flexibility to respond to any event that would stress our larger deposit balances. Slide 16 highlights our non-interest income for the quarter. Total adjusted fee income was $68 million, with leasing, mortgage, and interchange having strong growth quarters. Non-interest expense for the quarter is outlined on slide 17. Core expenses increased $1 million during the period. This was driven primarily by higher incentive compensation tied to the company's strong results as well as increases in marketing expenses. As I mentioned earlier, our ongoing efficiency initiative is positively impacting our results, and we expect this work to continue in the back half of 2025. Turning now to slides 18 and 19. Our ACL model resulted in a total allowance, which includes both funded and unfunded reserves, of $176 million and $9.8 million of total provision expense during the period. This resulted in an ACL that was 1.34% of total loans, which was a slight increase from the first quarter. Provision expense was primarily driven by loan growth and net charge-offs, which were 21 basis points for the period. Overall credit trends were stable, with a 42% reduction in net charge-offs and classified asset balances totaling 1.15% total assets. As expected, our ACL coverage was relatively flat compared to the linked quarter, and we continue to believe we have modeled conservatively to build a reserve that reflects the losses we expect from our portfolio. We anticipate our ACL coverage will remain flat or increase slightly in future periods as our model responds to changes in the macroeconomic environment. Finally, as shown on slides 20 and 21, capital ratios remain in excess of regulatory minimums and internal targets. The TCE ratio increased 24 basis points to 8.4%, and our tangible book value per share increased 4% to $15.40. Our total shareholder return remains strong, with 33% of our earnings returned to our shareholders during the period through the common dividend. As I mentioned earlier, we were very pleased that the Board elected to increase the common dividend, demonstrating our commitment to provide an attractive return to our shareholders. I'll now turn it back over to Archie for some comments on our outlook. Archie?