Washington Trust Bancorp, Inc.

Good morning and welcome to Washington Trust Bancorp, Inc.'s conference call. My name is Hillary and I'll be your operator today. After today's prepared remarks, we will host a question and answer session. If you would like to ask a question, please press star one to raise your hand. To withdraw your question, please press star one again. As a reminder, today's call is being recorded. And now I'll turn the call over to Sharon Walsh, Senior Vice President, Director of Marketing and Corporate Communications. Sharon, please go ahead.

Thank you, Hillary. Good morning and welcome to Washington Trust Bancorp, Inc.'s conference call for the second quarter of 2026. Joining us this morning are members of Washington Trust's executive team, Nan Handy, Chairman and Chief Executive Officer, Mary Noons, President and Chief Operating Officer, Ron Osberg, Senior Executive Vice President, Chief Financial Officer and Treasurer, and Bill Ray, Senior Executive Vice President and Chief Risk Officer. Please note that today's presentation may contain forward-looking statements and our actual results could differ materially from what is discussed on today's call. Our complete safe harbor statement is contained in our earnings release, which was issued yesterday, as well as other documents that are filed with the SEC. All these materials and other public filings are available at our investor relations website at ir.washtrust.com. Washington Trust trades on NASDAQ under the symbol WASH. I'm now pleased to introduce today's host, Washington Trust Chairman and Chief Executive Officer, Ned Handy. Ned?

Thank you, Sharon. Good morning and thank you for joining our second quarter conference call. We appreciate your time and your continued interest in Washington Trust. I'll begin with a brief overview of our second quarter results and then Ron will provide more detail on our financial performance for the quarter. Following our remarks, Mary and Bill will join us for the question and answer session. We delivered strong results in the second quarter as disciplined execution across the company drove higher profitability and solid loan and deposit growth. Our institutional banking initiative helped drive an increase in our commercial and industrial loan book and overall deposits. Our capital levels remain strong and supportive of additional expected loan growth. We are planning to open our 30th branch later this year in Bristol, Rhode Island, providing greater access for consumers and businesses in the East Bay and Southeastern Massachusetts. We're also finalizing the build of our new Pawtucket branch and are excited to have both locations open soon. We are on target to roll out an enhanced digital banking solution for our small business customers this fall, and continue to look for ways to leverage technology to provide greater security, convenience and choice for our customers. In April, we welcomed Jeff Wilhelm to our board. Jeff has more than 25 years of experience in digital innovation and we're excited to draw on his expertise in AI and cybersecurity as these areas continue to grow in importance across the financial services industry.