West Bancorporation

Ladies and gentlemen, thank you for standing by. My name is Colby, and I will be your conference operator today. At this time, I would like to welcome you to the West Band Corporation Inc. Q3 2025 earnings conference call. All lines have been placed on mute to prevent any background noise. And after the speaker remarks, there will be a question and answer session. If you'd like to ask a question at that time, please press star, then the number one on your telephone keypad. If you'd like to withdraw your question, press star 1 again. Thank you. I'd like to turn the conference over to Jane Funk, Chief Financial Officer. Please go ahead.

Thank you. Good afternoon. I'm Jane Funk, the CFO of West Bank Corporation, Inc., and I'd like to welcome the participants on the call today, and thank you for joining us. With me today are Dave Nelson, our CEO, Carly Olofsson, Chief Risk Officer, Brad Peters, our Minnesota Group President, and Todd Mather, our Chief Credit Officer. During today's conference call, we may make projections or other forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 regarding future events or the future financial performance of the company. We caution that such statements are predictions and that actual results may differ materially. Please see the forward-looking statement disclosure in our 2025 third quarter earnings release for more information about risks and uncertainties which may affect us. The information we will provide today is accurate as of September 30th, 2025, and we undertake no duty to update the information. With that, I'll turn it over to Dave Nelson.

Thank you, Jane, and good afternoon, everyone. Thank you for joining us, and thank you for your interest in our company. I have a few general comments, and then we'll turn the call over to others for more details. West Bank had another solid quarter with a 16% earnings increase over the prior quarter and 55% increase over third quarter of last year. Our financial performance metrics continue to improve, primarily driven by an expanding margin. The future Fed rate cuts will also be favorable to our margin. as well as loan renewal repricing is also helping our margin, and this will continue into and during 2026. West Bank credit quality continues to be very strong with essentially no-problem loans or any 30-day past-due loans. Yesterday, our board declared a 25-cent per share quarterly dividend to common interest Stockholders payable Wednesday, November 19th, 2025 to shareholders of record as of Wednesday, November 5th, 2025. Those are my prepared remarks and would now turn the call over to Mr. Harley Oleson, our Chief Risk Officer.