NBT Bancorp Inc.

Good day, everyone, and welcome to the conference call covering NBT Bancorp's third quarter 2026 financial results. This call is being recorded and has been made accessible to the public in accordance with SEC regulation FD. Corresponding presentation slides can be found on the company's website at nbtbancorp.com. Before the call begins, NBT's management would like to remind listeners that as noted on slide two, today's presentation may contain forward-looking statements as defined by the Securities and Exchange Commission. Actual results may differ from those projected. In addition, certain non-GAAP measures will be discussed. Reconciliations for these numbers are contained within the appendix of today's presentation. All participants are in a listen-only mode. Later, we will conduct a question-and-answer session. Instructions will follow at that time. As a reminder, this call is being recorded. And now I'd like to turn the call over to NBT Bancorp's President and CEO, Scott Kingsley, for his opening remarks. Mr. Kingsley, please begin.

Thank you, Jonathan. Good morning, and welcome to this earnings call covering NBT Bancorp's third quarter 2026 results. With me today are Annette Burns, NBT's Chief Financial Officer, Joe Stagliano, President of NBT Bank, and Joe Ondesco, our Treasurer. We are pleased with our solid third quarter operating performance, which demonstrates the strength and momentum of NBT's diversified financial services franchise. We generated noticeably stronger earnings than in both the third quarter of last year and the second quarter of this year. Productive loan growth across our markets contributed to record net interest income for the quarter. We also remained very disciplined in our cost of funds management while focusing on net new account growth. We are very pleased with the engaged and consistent approach of our teams across the company. Operating return on assets was 1.41% for the third quarter, while operating return on tangible equity was 16.53%. Tangible book value per share ended the quarter at $27.75, an increase of 8.8% from a year ago. Our capital utilization priorities remain focused on supporting organic growth while maintaining our long-standing commitment to annual dividend increases. At $0.40 per share, NBT's quarterly dividend is 8.1% higher than the prior year and affirms our continued commitment to providing favorable long-term returns to our shareholders. Our strong capital levels also allow us to continue to evaluate a variety of strategic opportunities as well as enable measured share repurchases. We remain encouraged by the opportunities we see across our seven-state footprint. Through NBT's support of economic development projects, customer expansion activity and investments in new bank locations in several of our markets, we continue to position NBT for sustainable growth while supporting the communities we serve. Since 2019, the company has been able to successfully grow earnings at a 6% compounded annual growth rate while maintaining our conservative risk profile. and looking forward, we believe we are well positioned for the remainder of 2026 and beyond to continue executing on our diversified operating strategies. Before Annette reviews our third quarter results in greater detail, I'll ask Joe Stagliano to provide a brief update on semiconductor related activities in our markets. Joe?

Thank you, Scott, and good morning. As we've discussed on prior calls, NBT Bank maintains a significant presence across many of the markets benefiting from New York's growing semiconductor and advanced manufacturing industry. With about 70 branches located across this corridor, we are already serving many of the businesses and communities connected to these developments. What stands out this quarter is the progress being made on several major projects and the growing evidence that their impact is extending beyond the project sites themselves. In Central New York, activity surrounding Micron continues to accelerate. Following the project's groundbreaking in January of 2026, construction and clay has advanced from site preparation into more visible phases of development. Infrastructure investments are moving forward. Crews began driving pilings for the first fabrication facility earlier this month, and an on-site concrete batch plant will support construction throughout the winter. While the first chip production is not expected until about 2030, we are already seeing increased focus on workforce housing and related development to support long-term growth. Central New York businesses, including many NBT Bank customers, are participating in site development, engineering, environmental construction, and other support activities related to the project. While many of these projects are still taking shape, the pace and scale of activity support our positive outlook We are also excited to expand our presence in the area with a new branch expected to open in the first half of 2027, about one mile from the Micron campus. More broadly, Micron is one part of a larger semiconductor story unfolding across upstate New York. The Mont Valley remains an important component of that story, supported by ongoing activity around the Marcy site near Utica and continued interest in the region's manufacturing future. In the Capital Region, New York Creates, a leading semiconductor research and innovation organization, supports research and development that strengthens New York's position within the industry. We were also encouraged by Global Foundry's recent announcement of plans to expand its campus in Saratoga County through the addition of two new semiconductor fabrication facilities, further highlighting the scale of investment taking place across the state. Thank you for joining us. as these opportunities continue to evolve. What we are seeing across these regions reinforce our confidence in the long-term outlook for the markets we serve. Importantly, this opportunity extends beyond New York through semiconductor-related activity across our broader footprint, including Global Foundries Facility in Burlington, Vermont, where CHIPS Act-supported investments are advancing next-generation semiconductor technologies and strengthening domestic manufacturing capabilities. With that overview, I'll turn the call over to Annette Burns to discuss our third quarter financial results in greater detail. Annette?