Southside Bancshares, Inc.

investor relations. Please go ahead.

Thank you, Lateef. Good morning, everyone, and welcome to Southside Bank Share's second quarter 2025 earnings call. A transcript of today's call will be posted on southside.com under investor relations. During today's call and in other disclosures and presentations, I remind you forward-looking statements are subject to risk and uncertainties. Factors that could materially change our current forward-looking assumptions are described in our earnings release in our Form 10-K. Joining me today are CEO Lee Gibson, President Keith Donahoe, and CFO Julie Shanberger. Firstly, we'll start us off with his comments on the quarter, then Keith will discuss loans and credit, and then Julie will give an overview of our financial results. I will now turn the call over to Lee.

Thank you, Lindsay, and welcome to today's call. We had an excellent quarter with net income of $21.8 million, resulting in diluted earnings per share of $0.72, an annualized return on average assets of 1.07%, and an annualized return on average tangible common equity of 14.38%. I want to thank our dedicated team members for their hard work and contributions that were instrumental in producing these results. Linked quarter, our net interest margin increased nine basis points to 295, and net interest income increased $414,000 to $54.3 million. The yield on our earning assets increased two basis points, and the cost of our interest-bearing liabilities decreased by five basis points. Linked quarter, total loans increased $35 million while average total loans during the quarter decreased $106 million, primarily due to heavy payoffs during the first two months of the quarter. Length quarter total loan growth resulted from the strong net loan growth of $104 million during June, a large portion of which occurred during the last two weeks. We anticipate this late quarter loan growth bodes well for potential further NIM expansion during the third quarter. Our loan pipeline is solid and shortly Keith will provide additional details related to the second quarter loan activity and our current loan pipeline. Our deposits net of public funds and broker deposits increased $90.1 million linked quarter Based on discussions with our customers related to the uncertainties in the market surrounding tariff announcements and the ongoing related negotiations, overall, we remain optimistic. While it's too early to discern the likely outcome of these tariff announcements and negotiations, the current economic conditions and overall growth prospects for our markets continue to reflect a positive outlook. Overall, the Texas markets we serve remain healthy and continue to report both job and population growth. I look forward to answering your questions and will now turn the call over to Keith Donohue.