Pinnacle Financial Partners, Inc.

Good morning and welcome to the Pinnacle Financial Partners fourth quarter 2025 earnings call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing star zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your touch-tone phone. To withdraw your question, please press star then two. Please note this event is being recorded. We'd like to limit this call to approximately one hour. I'll now turn the call over to Jennifer Demba, Senior Director, Investor Relations. Please go ahead.

Thank you and good morning. During today's call, we will reference the presentation and press release that are available within the Investor Relations section of our website, pnfp.com. President and Chief Executive Officer Kevin Blair will discuss our newly combined company's future and and outline our 2026 financial outlook. Chief Financial Officer Jamie Gregory will review Pinnacle and Sunovus' stand-alone fourth quarter 2025 results. Finally, Chairman Terry Turner will make some closing remarks, and then our team will be available to answer your questions. Our comments include forward-looking statements. These statements are subject to risks and uncertainties, and the actual results could vary materially. We list these factors that might cause results to differ materially in our press release and in our SEC filings. which are available on our website. We do not assume the obligation to update any forward-looking statements because of new information, early developments, or otherwise, except as may be required by law. During the call, we will reference non-GAAP financial measures related to the company's performance. You may see the reconciliation of these measures in the appendix to our presentation. And now, President and CEO Kevin Blair will open the call.

Thank you, Jennifer. Good morning and welcome to our fourth quarter 2025 earnings call. As Pinnacle Financial Partners enters its next chapter, we do so with the belief that true success comes from staying grounded in who we are, inspired by where we're headed, and united by a relentless commitment to outperformance. As we do so, we reaffirm our commitment to the investment community with renewed energy, clarity, and confidence in the path ahead. Pinnacle's focus is producing strong, above-peer revenue, earnings per share, and tangible book value growth. Our strategies and plans for execution are clear. We are committed to delivering exceptional client service and industry-leading loyalty as verified by external sources such as Crystal Coalition Greenwich and J.D. Power. At the same time, we aim to be the employer of choice in regional banking by fostering a uniquely collaborative, empowered, and rewarding culture. These priorities enable us to attract and retain revenue producers at an outsized pace, fueling our continued growth. By pursuing these goals with passion and purpose across the entire franchise, we strive to continue to create exceptional value for our shareholders and set the standard for growth and profitability in the industry. Our strong performance in 2025 demonstrates the focus of our teams during more volatile economic times in the midst of a pending merger. Legacy Pinnacle grew adjusted diluted earnings per share by 22% in 2025, while Legacy Synovus grew adjusted diluted earnings per share by 28%. The commitment and focus of both firms on creating a differentiated client experience resulted in Legacy Pinnacle's number one net promoter score ranking in its footprint and Legacy Synovus' number three net promoter score ranking in its footprint amongst top market share banks. These results underscore that our team is fully engaged, focused on our clients, and delivering meaningful value for our shareholders. We are a competitive team committed to sustaining top quartile growth and profitability. The merger between Pinnacle and Synovus was completed on January 1st, just 160 days after announcement, demonstrating the strengths of both companies and our resolve to swift and effective integration. Over the past two quarters, both organizations have successfully completed key milestones, These achievements highlight our strategic focus and reinforce a solid foundation for continued growth and operational excellence. The team has hit the ground running in January, already executing across all elements of the proven Pinnacle operating model. For example, the firm has brought legacy Synovus team members into the Money Morning sales and service meeting series and anchor of the Pinnacle operating rhythm, led by Chief Banking Officer Rob McCabe. This long-standing successful practice helps teams align around core priorities, promotes cross-team collaboration, and establishes shared ambitions and goals around growth, hiring, pipeline activities, and service expectations. We are thoughtfully combining the strengths of Synovus and Pinnacle, building on similar legacies and shared values, and remaining true to what really sets us apart. Pinnacle's exceptional operating model is our foundation and the engine of our growth, guiding us through every opportunity and challenge. We're not just building another big bank, we're scaling with a soul. And now, Jamie will review both Pinnacle and Synovus' stand-alone fourth quarter 2025 financial results. Jamie?