First Financial Bancorp.

Hello, everyone. Thank you for joining us and welcome to the first Financial Bancorp third quarter 2026 earnings conference call and webcast. After today's prepared remarks, we will host a question and answer session. If you would like to ask a question, please press star one to raise your hand. To withdraw your question, press star one again. I will now hand the conference over to Scott Crawley, Corporate Controller. Scott, please go ahead.

Thanks, Leah. Good morning, everyone, and thank you for joining us on today's conference call to discuss First Financial Bancorp's third quarter financial results. Participating on today's call will be Archie Brown, Chief Executive Officer, Jamie Anderson, President and 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 third quarter 2026 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 September 30th, 2026, and we will not be updating any forward-looking statements to reflect facts or circumstances after this call.

I'll now turn it over to Archie Brown. Thanks, Scott. Good morning, everyone, and thank you for joining us on today's call. I'm very pleased to discuss our third quarter results. We had a great quarter with adjusted net income of $87.8 million and adjusted earnings per share of $0.84, which resulted in an adjusted return on assets of 1.56%. and an adjusted return on tangible common equity of 20.2%. Earnings per share increased 11% from the third quarter of 2025 and were the highest in the company's history. We delivered record third quarter revenue of $273.9 million, driven by a strong net interest margin of 4.07% and record adjusted fee revenue of $77.6 million. Loan balance has increased moderately during the quarter consistent with our prior outlook. We're particularly proud of the strong growth in our CNI portfolio for the quarter. Loan pipelines remain healthy as we enter the fourth quarter and we expect low to mid single digit loan growth as we close out 2026. We're very encouraged by the strength and diversification of our fee income as adjusted non-interest income was a record 77.6 million dollars and 28 percent of total revenue growth from the linked quarter was driven by strong performances from foreign exchange wealth management client derivatives and bank card income as a result of our strong fee income and overall operating performance expenses were elevated during the quarter driven primarily by incentive costs incentive costs associated with our record revenues as well as higher health care claims and increased credit and collection costs. We do expect expenses to moderate in the fourth quarter. Asset quality trends were stable during the third quarter. Net charge-offs and non-performing assets were comparable to second quarter levels, while classified assets increased significantly. The increase in classified assets was primarily driven by the downgrade of a single ICRE relationship with multiple loans. The downgrade was driven by problems that developed in another business owned by our borrowers. The underlying loans exhibit strong debt service coverage and low loan-to-values and are cross-collateralized. We expect to resolve the work out of this relationship over the next few quarters. Finally, with respect to capital, all regulatory capital ratios increased from the second quarter However, tangible value per share and tangible common equity declined as a result of the sharp increase in interest rates during the second half of the quarter. Tangible value per share decreased 6% from the linked quarter to $15.65, while the tangible common equity ratio declined 43 basis points from June 30th to 7.81% at the end of September. Now I'll turn the call to Jamie to discuss our second quarter results in greater detail. Jamie.