First Bank

Thank you for standing by. My name is Tina and I will be your conference operator today. At this time, I would like to welcome everyone to the first bank earnings conference call for fourth quarter. 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. To ask a question, simply press star followed by the number one on your telephone keypad. To withdraw your question, press star one again. It is now my pleasure to turn the call over to Patrick Ryan, President and CEO. You may begin. Thank you.

I'd like to welcome everyone today to First Bank's fourth quarter 2025 earnings call. I am joined by Andrew Hibschman, our CFO, Darlene Gillespie, our Chief Retail Banking Officer, and Peter Cahill, our Chief Lending Officer. Before we begin, however, Andrew will read the Safe Harbor Statement.

The following discussion may contain forward-looking statements concerning the financial condition, results of operations, and business of First Bank. We caution that such statements are subject to a number of uncertainties, and actual results could differ materially. And therefore, you should not place undue reliance on any forward-looking statements we make. We may not update any forward-looking statements we make today for future events or developments. Information about risks and uncertainties are described under item 1A risk factors in our annual report on form 10K for the year ended December 31st, 2024 filed with the FDIC. Pat, back to you.