WesBanco, Inc.

Good day and welcome to WestBanco, Inc.' 's third quarter 2025 earnings conference call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on a touch-tone phone. To withdraw your question, please press star then two. Please note that this event is being recorded. I would now like to turn the conference over to John Iannone, Senior Vice President of Investor Relations. Please go ahead.

Thank you. Good afternoon. Welcome to WestBanco, Inc.' 's third quarter 2025 earnings conference call. Leading the call today are Jeff Jackson, President and Chief Executive Officer, and Dan Weiss, Senior Executive Vice President and Chief Financial Officer. Today's call, an archive of which will be available on our website for one year, contains forward-looking information. Cautionary statements about this information and reconciliations of non-GAAP measures are included in our earnings-related materials issued yesterday afternoon, as well as our other SEC filings and investor materials. These materials are available on the investor relations section of our website, westbanko.com. All statements speak only as of October 23rd, 2025, and West Bank undertakes no obligation to update them. I would now like to turn the call over to Jeff. Jeff?

Thanks, John, and good afternoon. On today's call, we will provide an overview on operational efforts and third quarter results, as well as provide an update on our outlook for 2025. Key takeaways from the call today are Earnings per share of 94 cents when excluding merger-related charges, which was highlighted by loan growth funded by deposit growth, a net interest margin of 353, and year-over-year fee income growth of 52%. Continued success in our newest markets as demonstrated by growing pipelines and strong customer satisfaction. Commitment to operational excellence in support of profitable long-term growth and enhancing shareholder value. Our third quarter results demonstrate the successful integration of Premier and continued operational discipline. Despite elevated commercial real estate payoffs, we delivered strong loan growth fully funded by deposit growth, while meaningfully expanding our net interest margin and fee income. Combined with our focus on cost control, these efforts drove positive operating leverage and an improved efficiency ratio in the mid-50s. For the quarter ending September 30, 2025, we reported net income, excluding merger and restructuring expenses, of $90 million and diluting earnings per share of 94 cents. an increase of 68% year over year. On a similar basis, our third quarter returns on average assets and tangible equity improved to 1.3% and 17.5% respectively. Our efficiency ratio improved 10 percentage points year over year to 55% due to expense synergies generated from the premier acquisition, as well as a continued focus on expense management and driving positive operating leverage. Our strong growth in fee revenue was driven by organic growth across our businesses, especially wealth management, and our larger post acquisition customer base. Turning to operational topics, we are pleased to share that customer satisfaction in our newest markets has rebounded even faster than we expected following the premier acquisition. While a temporary dip is typical during conversions and integrations, our team anticipated the challenge and proactively put plans in place to support service and quality and customer trust. Today, satisfaction scores in those markets are back to pre-conversion levels and our overall customer satisfaction across all markets is in the upper 80 percentile level, well above the industry average. This reflects the strength of our integration strategy and the dedication and skill of our teams. That same operational discipline is reflected in our deposit performance. Our annual deposit campaign, launched in third quarter, is once again delivering strong results. Total deposits grew organically across our footprints by more than $570 million year over year, and $130 million sequentially, fully funding our organic loan growth. Importantly, this momentum was driven by core deposit categories, not higher cost certificates of deposit, which we have strategically allowed to run down. We have continued to see a pickup in commercial real estate payoffs, which totaled $235 million during the third quarter, and caused a nearly 1.5% headwind to loan growth. Reflecting this headwind, third quarter organic loan growth was 4.8% year over year and 2.2% quarter over quarter annualized. Encouragingly, total commercial loan growth continues to be solid as our teams take advantage of our record pipeline. As of both September 30th and mid-October, Our commercial loan pipeline stood at approximately $1.5 billion, with more than 40% tied to new markets and loan production offices. Notably, our new Knoxville LPO is already contributing meaningfully, accounting for 5% of the total pipeline. Given the current loan pipeline and CRE payoff headwind, we continue to expect mid-single digit year-over-year loan growth during 2025. This strong pipeline continues to translate into meaningful wins, including in our newest markets. In one of our premier markets, we secured a major deal with a national motorcycle manufacturer looking to acquire additional dealerships on a tight timeline. Thanks to strategic collaboration across commercial banking, treasury management, and retail, Our team delivered a tailored package of solutions ahead of schedule. The result was an eight-figure loan, seven-figure deposits, and additional treasury and swap products. This is a terrific example of how we collaborate to deepen banking relationships and deliver exceptional customer experiences. Our mission is to deliver financial solutions that empower our customers for success while maintaining operational efficiency. To that end, we continue to optimize our financial center network in support of evolving customer preferences and long-term growth. This strategy includes streamlining existing locations, continuing to enhance our digital banking capabilities, and selectively opening new financial centers or refreshing existing ones within our footprint. Following the strong performance of our Chattanooga Loan Production Office, which has grown to over $200 million in loans in just two years, we received regulatory approval to open our full first service financial center in Tennessee. This new location will simplify deposit gathering and deepen client relationships. We are also opening a new center in Alliance, Ohio, where we see strong growth potential. Both centers are expected to open in the first quarter of next year. At the same time, we are streamlining our footprint to ensure efficiency and responsiveness. After a thorough review of our customer behavior and banking preferences, market conditions, and proximity to existing centers, we made the decision to close 27 financial centers across our legacy markets, none of which are related to the premier acquisition. More than 75% of these closures are within 10 miles of another location, and deposit attrition is expected to be minimal. These closures bring our total since 2020 to 80 closed financial centers and are expected to generate approximately $6 million in net pre-tax annual savings. By focusing on the right locations, facilities, and customer experiences, we are positioning West Banco for sustainable growth and exceptional service across all markets. I would now like to turn the call over to Dan Weiss, our CFO, for details on our third quarter financial results and our current outlook for the fourth quarter of 2025. Dan.