Landmark Bancorp Inc.

Thank you for standing by. My name is Carly, and I will be your conference operator today. At this time, I would like to welcome everyone to the landmark Bancorp Inc. second quarter earnings call. 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. If you would like to ask a question during this time, simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, press star 1 again. Thank you. I would now like to turn the conference over to Shelly Reed, Head of Investor Relations. You may begin.

Thanks, Carly. Good morning, everyone, and welcome to Landmark Bancorp's second quarter earnings conference call. My name is Shelly Reed. I'm the Head of Corporate Strategy and Development in Investor Relations. Joining me today are several members of our executive leadership team, including our president and CEO, Abby Wendel, Chief Financial Officer, Mark Herpich, and Chief Private Officer, Raymond McGlanahan. During today's call, we may make statements that constitute projections, plans, objectives, future performance, beliefs, expectations, or similar forward-looking statements. These statements involve risks and uncertainties, which should be considered in evaluating forward-looking statements, and undue reliance should not be placed on such statements. We caution that such statements are predictions only and that actual results may differ materially. We include more information on these factors in our earnings release furnished with our Form 8K yesterday, as well as our Form 10K and Form 10Q filings and subsequent filings with the SEC. Additionally, all statements, including forward-looking statements, speak only as of the date they're made, and Landmark undertakes no obligation to update any statement in light of new information or future events. Also, our remarks may reference certain non-GAAP financial metrics we believe provide useful information to investors. Additional disclosures regarding non-GAAP metrics, including the reconciliation of those non-GAAP metrics to GAAP, are contained in our earnings release, which we filed yesterday with the SEC and are also available on the investor section of our website at banklandmarks.com. We caution that these non-GAAP financial metrics should not be viewed as a substitute for operating results determined in accordance with GAAP as contained in our earnings release and other filings with the FDC. A replay of this call will be available through August 6, 2026. Access information can be found in our earnings release. I will now turn the conference call over to our President and Chief Executive Officer, Abby Wendel.

Thanks, Shelley. Good morning, everyone, and thank you for joining us today. I am pleased to report that Landmark delivered strong second quarter 2026 financial results. Highlights from these results included record revenue and increased profitability, driven by continued execution of our discipline growth strategy. Second quarter revenue increased to a record 19.2 million, driven by higher net interest income and increased gain on sale revenue. Earnings per share increased to $0.88, return on average assets improved to 1.35%, and return on average equity increased to 13.23%. I am pleased with these results, which reflect the strength of our relationship-based banking model, disciplined pricing strategies, and prudent balance sheet management. Landmark's commercial lending teams found opportunities to win new and expand existing customer relationships within markets we serve in the second quarter. Their efforts resulted in positive loan growth in commercial and agricultural-related portfolios. Compared to the first quarter of 2026, commercial loan payoffs moderated during the second quarter, also contributing to the quarter-over-quarter growth in these portfolios. We remain cautiously optimistic, however, about our growth outlook for the second half of the year. Competition remains strong across the markets we serve, not only for customer relationships, but also for talent. As part of our growth initiatives, we are investing in practices to acquire, develop, and retain exceptional talent to strengthen our portfolio management capabilities and drive future relationship-based growth. During the quarter, for example, we elevated an internal candidate to lead commercial banking in our central, western, and southeastern Kansas region, who's reporting directly to me. These regions represent important markets for Landmark, and this investment reinforces our long-term commitment to the customers and communities we serve. These investments in leadership and talent are supporting growth across our footprint, including in larger metro areas like the Kansas City metropolitan market, where we continue to successfully expand our customer base. Moving to deposits, total deposits declined $17.7 million from the end of the first quarter, primarily due to a $28.7 million reduction in broker deposits. Core deposits, which represents total deposits excluding broker deposits, increased $11.0 million during the quarter, representing an annualized link quarter growth rate of 3.4%. Non-interest-bearing deposits represented 29.2% of total deposits at June 30, while our total cost of deposits improved to 1.3%, reflecting the benefits of our disciplined adjustments to our funding strategy. Growing our core deposit franchise remains a strategic priority, and we are focused on acquiring new customers and expanding full-service banking relationships across all business lines. Turning to asset quality, which Mark and Raymond will discuss in greater detail later in the call, non-performing loans increased by $2.7 million during the second quarter to $13.1 million, yet net charge-offs remained low at 0.17% of average loans compared to 0.13% of average loans in the first quarter of 2026. As we monitor our loan portfolio, we are doing so with a bias toward action and proactively addressing deteriorating credits. As we elevate expectations across the board, we are strengthening our credit culture simultaneously. We are proactively addressing credits that no longer meet our credit risk profile and strengthening the overall quality of the loan portfolio. Before turning the call over to Mark, I would also like to highlight the continued strength of our balance sheet and the growth in our tangible equity. During the quarter, tangible book value per share increased to $21.76, representing annualized late quarter growth of 16.8%. And tangible common equity to assets increased to 8.44%. The Board of Directors declared a cash dividend of 21 cents per share payable on August 27, 2026 to shareholders of record as of August 13, 2026. This dividend marks the company's 100th consecutive quarterly cash dividend since the formation of the holding company in 2001, underscoring our longstanding commitment to delivering value to shareholders. I will now turn the call over to Mark Herpich, our Chief Financial Officer, who will discuss our financial results in greater detail.