Horizon Bancorp, Inc.

Good morning, everyone, and welcome to the Horizon Bancorp, Inc. conference call to discuss the financial results for the third 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 1 on your touchtone phone. To withdraw your question, please press star then 2. Now I will turn the call over to Deanna Chase from Horizon Bank for the opening introduction.

Good morning and welcome to our conference call to review Horizon's third quarter results. Please remember that today's call may contain statements that are forward-looking in nature. These statements are subject to risk 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 its 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 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, Deanna. Good morning, and we appreciate you joining us. We're pleased with Horizon's productive third quarter, where strong financial results underscore our continued positive momentum. Highlights include top-tier performance, as displayed by analyzed returns on average assets, extending above 1.7%, returns on tangible common equity in excess of 20%, and a sustained net interest margin in the mid-4.3% range. These results continue to advance our healthy capital levels with CET1 exceeding 11.5% and total risk-based capital of 15.4% at the end of the quarter. As we look at the quarter, we continue to take a disciplined approach to growth on both sides of the balance sheet while simultaneously managing pricing and credit risk. This measured approach to balance sheet expansion resulted in both loans and deposits continuing to grow in the mid-single-digit range on an annualized basis. Loan performance was further strengthened by broad-based expansion across our commercial, consumer, and mortgage platforms, complemented by continued excellent credit trends. Deposit performance remained strong during the quarter, with growth concentrated primarily in the core relationship balances, reflecting the strength of our local community banking model. The balance sheet performance continued to align well with our full-year growth expectations. while continuing to display our commitment to maintaining durability in our net interest margin profile. Our strategy of efficient balance sheet expansion, continued development of our fee income businesses, and conservative approach to credit has delivered meaningful shareholder value and positions the company well to navigate a potentially uncertain interest rate environment. Horizon's third quarter performance was positive on many fronts, and I'll hand the presentation over to Lynn Kerber, Horizon's Executive Vice President, and Chief Commercial Banking Officer who will provide additional insight into the quarter's lending performance and continued positive credit trends. Lynn?