West Bancorporation

Ladies and gentlemen, thank you for standing by. My name is Krista and I'll be your conference operator today. At this time, I would like to welcome everyone to West Bank Corporation second 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 at that time, please press star then the number one on your telephone keypad. If you'd like to withdraw your question, again, press star 1. Thank you. I would now like to turn the conference over to Jane Funk, CFO. Please go ahead.

Thank you. Good afternoon, everyone. I'm Jane Funk, the CFO of West Bank Corporation, Inc. 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, Harlee Olafson, Chief Risk Officer, Todd Mather, our Central Iowa Market President, and Brad Peters, our Minnesota Group President. 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 2026 second quarter earnings release for more information about risks and uncertainties which may affect us. The information we will provide today is accurate as of June 30, 2026, 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 all for joining us. We have a lot of good news to share. I have a few general comments, and the others will make more detailed comments. We have another very strong quarter. Year-over-year net income increased 37%, and we announced an increased dividend, which is now at the highest level ever in our history. All financial metrics are strong. 2026 year-to-date return on average equity is a little over 16%. A strong balance sheet with higher levels of liquidity and capital and credit quality remains pristine with zero loans past due 30 days. Our Board of Directors has approved an increase to our quarterly dividend to 26 cents per common share, payable on August 19th to shareholders of record as of August 5th. I'll be available for questions following the comments of others, but now I'd like to turn the call over to our Chief Risk Officer, Mr. Harlee Olafson.