First Bank

Hello, everyone. Thank you for joining us and welcome to the First Bank Second Quarter 2026 earnings call. 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 Patrick Ryan, President and CEO. Patrick, please go ahead.

Thank you. I'd like to welcome everyone today to First Bank's second quarter 2026 earnings call. I'm joined by Andrew Hibshman, our chief financial officer, and Peter Cahill, our chief lending officer. Before we begin, 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. You 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 10-K for the year ended December 31, 2025, filed with the FDIC. Back to you.