First Western Financial, Inc.

Good day and thank you for standing by. Welcome to the First Western Financial First Quarter 2026 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 1-1 on your telephone. You will then hear a message advising your hand is raised. To withdraw your question, please press star 1-1 again. please be advised that today's conference is being recorded. Now it's my pleasure to hand the conference to Tony Rossi. Please proceed. Thank you, Carmen.

Good morning, everyone, and thank you for joining us today for First Western Financial's first quarter 2026 earnings call. Joining us from First Western's management team are Scott Wiley, Chairman and Chief Executive Officer, Julie Korkamp, Chief Operating Officer, and David Weber, Chief Financial Officer. We'll use a slide presentation as part of our discussion this morning. If you have not done so already, please visit the events and presentations page of First Western's investor relations website to download a copy of the presentation. Before we begin, I'd like to remind you that this conference call contains forward-looking statements with respect to the future performance and financial condition of First Western Financial that involve risks and uncertainties. Various factors could cause actual results to be materially different from any future results expressed or implied by such forward-looking statements. These factors are discussed in the company's SEC filings, which are available on the company's website. I would also direct you to read the disclaimers in our earnings release and investor presentation. The company disclaims any obligation to update any forward-looking statements made during the call. Additionally, management may refer to non-gap measures, which are intended to supplement but not substitute for the most directly comparable gap measures. The press release available on the website contains the financial and other quantitative information to be discussed today, as well as the reconciliation of the GAAP to non-GAAP measures. And with that, I'd like to turn the call over to Scott.

Thanks, Tony, and good morning, everybody. We executed well in the first quarter and saw positive trends in many areas, including loan and deposit growth, net interest margin expansion, well-managed expenses, higher mortgage banking revenues, and improved asset quality. This resulted in another increase in our level of profitability with EPS up 85% quarter over quarter. We continued to maintain a conservative approach to our new loan production with our disciplined underwriting and pricing criteria. As a result of the additions we've made to our banking team over the past few years, as well as the generally healthy economic conditions in our markets, we had a solid level of loan production, which was diversified across our market, industries, and loan types. As a result of our financial performance and the balance sheet management strategies, we had a further increase in both book value and tangible book value per share. Moving to slide four, we generated net income of $6.2 million, or 63 cents per diluted share, in the first quarter, which was higher than the prior quarter. This represented our third consecutive quarter where we generated an increase in net income and earnings per share. With our prudent balance sheet management, our tangible book value per share increased 3.3% for the quarter, quarter over quarter. Now I'll turn the call over to Julie for some additional discussion of our balance sheet and trust investment management trends. Julie?