West Bancorporation

Thank you for standing by. At this time, I would like to welcome everyone to the West Bank Corporation Inc. First Quarter 2026 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, press star one again. Thank you. I would now like to turn the call over to Jane Funk, Chief Financial Officer. Please go ahead.

Thank you. Good afternoon, everyone. I'm Jane Funk, the CFO of West Main Corporation, Inc., and I'd like to welcome the participants on our call today and thank you for joining us. With me today are Dave Nelson, our CEO, Harley Olson, Chief Risk Officer, Brad Winterbottom, Bank President, and Brad Peters, our Minnesota Group President. I'll start out by reading our fair disclosure statement. 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 rebrands for 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 2026 first quarter earnings release for more information about risks and uncertainties which may affect us. The information we provide today is accurate as of March 31, 2026, and we undertake no duty to update the information. With that, I'll turn it over to Dave Nelson.

Thank you, Jane. Welcome, everyone, and thank you for joining us this afternoon. I have a few general comments, and then others will provide additional details. We had a very strong quarter and look forward to continue earnings growth. As the COVID era five-year duration assets reprice, our margin is expected to continue to improve. Our loan balances have been flat, but we have had growth in our deposits. When loan demand increases, we will definitely find it. We have several attractive credit opportunities in our pipeline. Once again, a quarter in March 31st of this year, our credit quality remains pristine, and we did not have a single loan pass through 30 days. West Bank continues to make investments in technology to better serve our customers and to create efficiencies in our operations. Our Board of Directors declared a $0.25 quarterly dividend with a May 20th payment date to shareholders of record as of May 6th. Those are the extent of my prepared remarks, and I would now turn the call over to our Chief Risk Officer, Mr. Harley Olson.