WesBanco, Inc.

Good morning everyone and welcome to the West Banco's second quarter 2026 earnings conference call. All participants will be in a 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 and then one on your touch-tone telephones. To withdraw your questions, you may press star and two. Please also note, today's event is being recorded. At this time, I'd like to turn the conference call over to John Iannone, Senior Vice President of Investor Relations. Please go ahead.

Thank you. Good morning, and welcome to West Banco, Inc.'s second 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. 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 license section of our website, westbanco.com. All statements speak only as of July 22, 2026, and West Bank will undertake new obligations to update them. I would now like to turn the call over to Jeff. Jeff?

Thanks, John, and good morning, everyone. Today, we'll review our second quarter performance and share our current outlook for the rest of 2026. The defining theme of the quarter was momentum across our franchise. There are three key takeaways that really demonstrate that momentum. We delivered strong sequential quarter and year over year loan growth. We advanced our organic growth strategy and commercial momentum, driving record production and pipeline. We continued to generate profitable growth through positive operating leverage and disciplined execution. Turning briefly to our financial performance, Our strong second quarter results reflect the continued success of our relationship-focused banking model and disciplined growth strategy. For the quarter ended June 30, 2026, we reported net income available to common shareholders of $89 million, excluding merger and restructuring charges. That translated to $0.92 per diluted share, while on a year-to-date basis, our earnings per share increased 14%, to $1.83. On a similar basis, we reported year-to-date pre-tax, pre-provision earnings of $242 million, an increase of 24% year-over-year. The strength of our financial performance was reflected in our second quarter and year-to-date returns on average assets and tangible common equity of 1.3% and 17.3% respectively. Further, we are demonstrating our ability to drive profitable growth across the franchise as we generated strong positive operating leverage and an efficiency ratio of 51%. Our capital position also remained solid with a CET1 ratio of 10.7%, which allowed us to repurchase approximately 300,000 shares during the quarter. while also providing flexibility to support our growth expectations. The defining driver of our momentum this quarter was loan growth. Total loans increased 3.5% year-over-year and 8.3% annualized sequentially as our talented teams converted opportunities across our 10 state footprint. In particular, we continue to see the benefits from our recent growth investments as C&I Lending demonstrated strong growth of 5% year over year and nearly 25% quarter over quarter annualized. During the first six months of the year, our commercial teams have generated record loan production of nearly $2.5 billion, approximately $1 billion more than the same period a year ago. Impressively, second quarter loan growth significantly outpaced continued high levels of CRE payoffs, which created a 1% headwind to year-over-year growth. As we mentioned last quarter, we expected developers to continue to seek permanent financing and the sale of properties during the second quarter, but at a slower pace than the first quarter. But we experienced an upward swing during the latter half of the quarter that drove payoffs to total approximately $345 million for the second quarter, bringing the total amount of payoffs during the last 12 months to more than $1.3 billion. Adjusting for payoffs headwind during the quarter, total loans grew 4.5% year over year. The fact that we generated this level of growth despite that headwind speaks to the strength of our customer demand and the effectiveness of our commercial teams. A great example of this customer demand was a recent win in our mid-Atlantic market. A team comprised of commercial, treasury management, derivatives, and credit recently achieved a major milestone with earning a meaningful partnership with one of the region's most distinguished educational institutions. The team met with this new-to-bank client to explore financing options for a comprehensive renovation and modernization project to revitalize this campus, which resulted in the largest nonprofit school deal in our history. The resulting transaction included a tax-exempt bond financing in excess of $34 million, a full deposit and treasury management partnership, and a six-figure swap fee. The dedication and expertise of this team are testaments to the power of collaboration and further positions WestBanco as a trusted financial partner. At June 30th, our commercial pipeline reached a record $2.3 billion, increasing more than 40% from the prior quarter and 90% since year end. While our loan production offices and former premier markets continue to contribute meaningful to that growth, We are also seeing broad-based momentum across all our markets. In the few weeks since quarter end, the pipeline has remained stable, which gives us confidence in our outlook and supports our continued expectation for mid-single-digit loan growth in 2026. We are especially encouraged by what we are seeing in our expansion markets. Last quarter, We announced the advancement of our southeastern expansion strategy with the launch of commercial banking and treasury management operations in Palm Beach and Broward counties. Last month, we expanded that strategy with the opening of a loan production office in Naples, extending our presence into another attractive Florida market. Naples is led by a seasoned leader with strong track record in the market. and individual who I've known for many, many years. The early results from our Florida teams have been very encouraging. In just three months, these teams have already begun generating new business, building meaningful customer relationships and contributing to our record pipeline. Already, those teams account for approximately 10% of our total commercial pipeline, a proof point that our strategy is gaining traction. I firmly believe that our Florida franchise has the potential to be a $2 billion bank within the next couple of years. As part of that strategy, we are on track to open financial centers in Fort Lauderdale and West Palm Beach during the first half of 2027, as we have already identified locations and received FDIC approval. These banking centers will complement our commercial presence while enhancing our ability to gather deposits and deepen customer relationships to support future growth. Over time, we could add additional services such as wealth management and residential mortgage. Finally, I am excited that our long-term strategy and disciplined approach to growth are being recognized on a national level. We were recently named one of America's high-growth companies by Business Insider and one of America's best companies by time. What these recognitions really represent is the dedication of our teams and the consistency with which they execute our strategy every day. Our momentum and success continue to be driven by talented people, strong customer relationships and a commitment to disciplined growth. Our second quarter results demonstrate those fundamentals remain firmly in place and continue to position us well for the future. I would like to now turn the call over to Dan Weiss to walk through the financials and outlook in more detail. Dan.