WesBanco, Inc.

Good day and welcome to the West Banco first quarter 2026 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 your telephone keypad. To withdraw your question, please press star then two. Please note 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 morning and welcome to WestBanco, Inc.' 's first quarter 2026 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. Optionary 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, westbanco.com. All statements speak only as of April 22, 2026, 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 morning, everyone. Today, we'll walk you through our first quarter performance and share our current outlook for the rest of 2026. There are three key takeaways from the quarter. We delivered solid year-over-year financial results. We exceeded our year one financial targets for the premier acquisitions. And we stayed disciplined in executing our strategy to position WestBanco for long-term success. Overall, it was a solid start to the year. Turning to our financials, for the quarter ended March 31st, 2026, we reported net income available to common shareholders of 87 million, excluding merger and restructuring charges. That translated to diluted earnings per share of 91 cents. up 38% from a year ago. On a similar basis, we reported pre-tax, pre-provision earnings of $114 million, an increase of 44% year over year. The strength of our first quarter financial performance was reflected in our returns on average assets and tangible common equity of 1.3% and 17.4% respectively. Our capital position also remained solid with a CET1 ratio of 10.7%. That gives us flexibility to support growth and navigate the operating environment ahead. As we mentioned last quarter, developers continue to seek permanent financing or the sale of properties. During the first quarter, that drove elevated commercial real estate project payoffs, which totaled $340 million during the first quarter and created a 1.4% headwind to our year-over-year loan growth. In fact, we have incurred a significant CRE payoff headwind of a billion dollars during the last nine months. Despite that headwind, our teams continue to execute at a high level. Loan growth was largely funded by deposit growth, and our commercial pipeline has reached all-time record levels. Adjusting for the payoff activity, total loans grew 3.6% year over year. The commercial pipeline has increased 35% since year end to a record $1.6 billion. And in the few weeks since quarter end, the pipeline has grown another $200 million to $1.8 billion. About 45% of that pipeline is coming from existing loan production offices and the former premier footprint. Impressively, this pipeline does not yet reflect the benefit of our recently announced South Florida expansion. That team has hit the ground running and built an initial $400 million pipeline just in a few weeks. They are on pace to grow that pipeline by a significant amount as the year progresses. Even with elevated CRE payoffs during the first half of the year and the potential of influence of geopolitical events, we continue to expect mid single digit year over year loan growth for 2026 supported by our record pipeline and early momentum from our South Florida markets. A little over a year ago, we completed our transformative acquisition of Premier Financial, an acquisition that placed WestBanco among the 50 largest publicly traded banks in the U.S. When we announced the Premier acquisition in July 2024, we laid out clear financial targets for the first year, including 40% earnings per share growth, a 1.3 return on average assets, and a CET1 ratio of 9.6%, along with a tangible book value earned back in under three years. I'm pleased to say we delivered, and in many cases, exceeded our targets. Over the last 12 months, core EPS growth reached 49%, and ROAA was 1.3%. We also exceeded the pro forma CET1 ratio by more than a percentage point and shaved more than a year off the dilution earned back, as our first quarter tangible book value per share of $22.45 is well above the June 2024 figure and nearly at the year-end 2024 level. In addition, we have been making other strategic investments that demonstrate our commitment to long-term sustainable growth. We continuously invest in digital capabilities and products like WestBanco One Account and Treasury Management Services to ensure we serve our customers how, when, and where they want. At the same time, we continue to optimize our physical branch network. Over the past four years, we've closed 64 locations with limited customer traffic, including 10 of them in northern Ohio that will close next month. We're selectively opening new financial centers in key markets and consolidating others into more central and higher demand locations. Our loan production office strategy continues to perform well. We've opened LPOs in high-growth markets, including Chattanooga, Indianapolis, Knoxville, Nashville, and Northern Virginia. We're seeing strong results as these teams deepen relationships and bring on new commercial clients. As these offices achieve scale, we add product capabilities locally as well as financial centers to better serve our growing client base. Chattanooga is a great example. We opened that LPO less than three years ago, and it has generated strong relationship-driven growth. That momentum supports the opening of our first Tennessee Financial Center this week. We anticipate that several other of our LPOs will follow this pattern within the next couple of years. I'm very excited about our recent expansion into Florida, which is a thoughtful extension of our long-stated southeastern expansion strategy. Last month, we announced the launch of our commercial banking business across key high-growth South Florida markets, starting with Palm Beach and Broward counties. We brought on a seasoned team of nearly 20 professionals, including market leaders, commercial bankers, credit underwriting, and a client relationship support, as well as a treasury management leader. These are attractive, high-growth markets and ones I've come to know well during my banking career. I've worked with many of these bankers before, and they consistently delivered top performance while maintaining strong credit discipline. Just as importantly, their client focus aligns well with our relationship-led approach. Our Florida expansion also provides meaningful organic growth opportunities for our strong healthcare banking vertical. As the regional business, which is primarily focused on C&I lending, develops, we will evaluate additional services and solutions, including retail financial centers, treasury, wealth management, and mortgage offerings, to deliver even a greater value to our clients. I would now like to turn the call over to Dan to walk through the financials and outlook in more detail. Dan. Thanks, Jeff, and good morning.