Norwood Financial Corp.

and thank you for standing by. Welcome to the Norwood Financial's third quarter 2025 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 one one on your telephone. You will then hear an automated message advising that your hand is raised. To withdraw your question, please press star one one again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to Kristin Lencia, Vice President and Marketing Manager. Please go ahead.

Thank you, Tanya. Good morning, everyone. Welcome to our Q3 2025 earnings conference call. With me today are Jim Donnelly, CEO, and John McCaffrey, CFO. The press release we issued earlier this morning, together with the presentation material that accompanies our remarks, are available on the investor relations section of our webpage. Comments made by any participant on today's call may include forward-looking statements These statements are subject to various risks and uncertainties and other factors that are difficult to predict. Actual results may differ materially from those expressed or implied, and we assume no obligation to update any forward-looking information. Please refer to our most recent Form 10-K and other subsequent reports filed with the SEC for more information about risks related to forward-looking statements. During our discussion, we may refer to certain non-GAAP financial measures. These measures are useful for analysts, investors, and management to evaluate ongoing performance. A reconciliation of these measures to gap financial results is provided in our presentation materials. I will now turn the call over to Jim.

Thank you, Kristen. Good morning, everyone. Our team delivered strong results in the third quarter and growing assets around $100 million year-to-date while expanding our margin. This is the result of delivering good growth in loans and strong growth in deposits. Our credit metrics remain strong while delivering this growth. Our yield also continues to benefit from the bond portfolio repositioning we did in the fourth quarter of 2024. Our fee income has also grown year over year as we focused on our wealth management, trust, and other fee income businesses. It was a good quarter for us and we entered the fourth quarter on solid footing and with good momentum. I am proud of the performance of the entire Norwood team as they remain focused on delivering the products and services that help our customers achieve their goals, truly living out our tagline, every day better. It is this embodiment of our mission within the high performing culture that distinguishes us, that gives me belief that we are on our way to creating a bright future for us, our customers, and our shareholders. Stepping back and looking at our year-to-date performance, it is clear that our results in the third quarter and throughout 2025 have benefited from our repositioning of our bond portfolio that was completed in December of 2024. Recall that we successfully completed a capital raise through the issuance of common stock to help support our growth improve our financial position through the repositioning of our available for sale securities portfolio, and increase our earnings potential. And I am pleased to say that we achieved all of these objectives. The increased earnings potential is evident in the improved yields we have generated in 2025. And with the stronger financial position, we have been able to better serve our customers across our footprint with loans that enable them to purchase homes, or cars and to start or expand their businesses. Turning to another item, we have filed all regulatory applications necessary for approval of our merger with Presence Bank that was announced on July 7th. The applications of our filings are pending. I refer you to the investor relations section of our website for more information. During the third quarter, We completed the leadership transition in our board of directors, and we added two new directors, strengthening the board by bringing on board new talent as we embark on the next phase of our growth. This was a bittersweet transition for me and many of the employees of Wayne Bank, as we said goodbye to our long-term colleague and friend, Lou Critelli, who was my predecessor and has served as chairman of the board since 2022. Lou has had a tremendous impact on the bank and me personally, as well as many employees over his 30 years of dedication to the company. It would be hard to overstate the impact that he has had on making us the company that we are today. His legacy will carry on, and he will be missed. On behalf of the rest of the board and the entire company, we wish Lou all the best in his retirement. We now move forward with Dr. Andrew Ford leading the board as chairman, and Kevin Lamont replacing him as vice chairman. These are two long-serving directors, and the board is in great hands under their leadership. We also welcomed two new directors to the board, Marissa Nasinovich and James Shook, both outstanding leaders within their respective fields, and even more importantly, shining examples of individuals with strong commitment to serving their community. I'm excited about the changes to our board and have every confidence that they will be valuable advisors as we move forward. While we have built strong financial position and operated well to deliver strong financial results, it is our employees that truly make us unique. They continue to live according to our tradition of community involvement donating time and money to causes that make the places we live and call home better places to live and work. I am proud of all they do for our communities and thankful for their dedication and commitment. In conclusion, we delivered good results as we also delivered on strategic initiatives that have given our team and our brand a lift. We rolled out our new brand this year. The eye-catching marketing materials are a small piece of what we have delivered with this rollout. We have worked over the last two years to improve our culture with our everyday better focus, better everyday focus. We have united our three brands into one. Our customers are rating their Wayne Bank experiences with an average of 4.7 stars. Our employees have a new lift in their step as we recognize them for delivering on everyday better service. This is the secret sauce behind these good results. I am proud of our team and their commitment to our customers, our communities, and each other, and in returning good results for our investors. I will now turn the call over to our CFO, John McCaffrey, to walk us through the results. Thank you, Jim. Good morning, everyone.