First Financial Bancorp.

Thank you for standing by. My name is JL and I will be conference operator today. At this time, I would like to welcome everyone to the first Financial Bancorp fourth quarter 2025 earnings conference call and webcast. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, simply press star one again. I would now like to turn the conference over to Scott Crawley, corporate controller. You may begin.

Thanks, JL. Good morning, everyone, and thank you for joining us on today's conference call to discuss First Financial Bank Court's fourth quarter and full-year financial results. Participating on today's call will be Archie Brown, President and Chief Executive Officer, Jamie Anderson, Chief Financial Officer, and Bill Harriot, 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 statements disclosure contained in the fourth quarter 2025 earnings release, as well as our SEC filings, for a full discussion of the company's risk factors. The information we provide today is accurate as of December 31st, 2025, and we will not be updating any forward-looking statements to reflect facts or circumstances after this call. And I'll turn it over to Archie Brown.

Thanks, Scott. Good morning, everyone, and thank you for joining us on today's call. Yesterday afternoon, we announced our fourth quarter and full year financial results. I'm very pleased with our record earnings performance for the quarter. Adjusted earnings for share were 80 cents, leading to an adjusted return on assets of 1.52% and an adjusted return on tangible common equity of 20.3%. The net interest margin, which declined slightly from the third quarter, has proven resilient as reduction in funding costs negated most of the impact of short-term rate reductions by the Federal Reserve. Balance sheet trends were solid for the quarter with long growth of 4% on an annualized basis. Total average deposits increasing by approximately 7% on an annualized basis, excluding the impact from the Westfield acquisition. I'm especially pleased with our robust non-interest income for the quarter. Total adjusted fee income was $77 million and increased 5% compared to the linked quarter. Wealth management and foreign exchange income both increased by double digit percentages while leasing and mortgage income also remained strong. While adjusted non-interest expenses increased by 6% from the linked quarter, most of the increase was driven by the Westfield acquisition. Asset quality was relatively stable for the quarter, and provision expense was in line with our expectations at $10.1 million. Non-performing assets increased slightly to 0.48% of assets, and classified assets declined slightly to 1.11% of assets. Three loans drove the increase in NPAs, while net charge-offs were 27 basis points, which was within our range of expectations. Turning to the full year, 2025 was another great year for First Financial. On an adjusted basis, our net income was $281 million, or $2.92 per share. Adjusted return on assets was 1.49%, and adjusted return on tangible common equity was 19.3%. We were pleased with the performance of the net interest margin for the full year. While the margin did decline year-over-year from 4.05% to 3.98%, we were able to offset most of the impact of short-term rate decreases through the diligent management of deposit costs. Adjusted non-interest income increased by 16% to a record $280 million, led by growth in wealth management, foreign exchange, and mortgage incomes. The result was record revenue for the company of almost $922 million, an 8% increase over 2024. Similar to the fourth quarter, asset quality was relatively stable for the year. Provision expense declined 21% from 2024. Net charge-offs as a percent of average loans declined 5 basis points to 25 basis points, and our ACL coverage increased by 6 basis points to 1.39%. Capital levels remained strong during 2025. While the acquisition of Westfield negatively impacted our capital, our strong earnings drove increases to tangible value per share of 11% from $14.15 to $15.74. I'll now turn the call over to Jamie to discuss these results in more detail. And after Jamie talks, I'll wrap up with some additional forward-looking commentary and closing remarks.