Horizon Bancorp, Inc.

Good morning, everyone, and welcome to the Horizon Bancorp, Inc. conference call to discuss financial results for the second quarter of 2026. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then one on your touchtone phone. To withdraw your question, please press star and then two. Now, I will turn the call over to Todd Etzler, Executive Vice President, Corporate Secretary, and General Counsel for the opening introduction.

Good morning and welcome to our conference call to review Horizon's second quarter results. Please remember that today's call may contain statements that are forward-looking in nature. These statements are subject to risks, uncertainties, and other factors that could cause actual results to differ materially from those discussed, including those factors noted in the slide presentation. Additional information about factors that could cause actual results to differ materially is contained in Horizon's most recent Form 10-K and later filings with the Securities and Exchange Commission. In addition, management may refer to certain non-GAAP Financial measures that are intended to help investors understand Horizon's business. Reconciliations for these measures are contained in the presentation. The company assumes no obligation to update any forward-looking statements made during the call. For anyone who does not already have a copy of the press release and supplemental presentation issued by Horizon yesterday, they may be accessed at the company's website, horizonbank.com. Representing Horizon today are Executive Vice President and Senior Operations Officer Kathie DeRuiter, Executive Vice President and Chief Commercial Banking Officer Lynn Kerber, Executive Vice President and Chief Legal and Risk Officer Todd Etzler, Executive Vice President and Chief Financial Officer John Stewart, and Chief Executive Officer and President Thomas Prame. At this time, I will turn the call over to Thomas Prame. Thomas.

Thank you, Todd. Good morning, and we appreciate you joining us. Horizon's second quarter results continue to highlight the strength and durability of our community banking model and management team's commitment to delivering shareholder value. The quarter continues to show impressive results with a net interest margin in the mid-430 range, strong fee income performance, and excellent credit trends. These results advance our capital levels with CET1 of 11.09%, and total risk-based capital of 15.01% at the end of the quarter. As we impact the first half of 2026 performance, we are pleased with our practical approach to balance sheet growth with year-to-date deposit growth of approximately 5% annualized, coupled with quality lending growth of approximately 4% annualized, led by a strong commercial loan performance of 5.7% annualized in the second quarter. These results align well with our four-year expectations and display our disciplined approach to growth on both sides of the balance sheet while maintaining the consistency in our net interest margin performance throughout the year. Our strategy of efficient balance sheet growth coupled with expansion of our fee income verticals and conservative approach to credit positions the company well for continued positive shareholder value generation in the second half of 2026. As communicated to the market previously, the company did establish an accrual for legal expenses related to an unfavorable litigation decision in the second quarter. We anticipate this accrual will remain in place until the company finalizes its appeal process in subsequent quarters. Including this one-time event, which represents earnings of approximately five cents per share in the quarter, the second quarter results were positive on many fronts, expanding on our momentum from the first quarter and aligned with our full-year expectations. Overall, we believe it's been a very successful start to the first half of 2026. and John will provide more specific details concerning our second quarter and year-to-date results. The performance level of the franchise to date and the positive financial results we have delivered for our shareholders have been very strong and we remain optimistic on this outlook as we head into the second half of 2026. At this time, I'd like to hand the presentation over to Lynn Kerber, Horizons Executive Vice President and Chief Commercial Banking Officer, to provide additional insight into the quarter's excellent funding and credit performance. Lynn?