West Bancorporation

Hello, everyone. Thank you for joining us and welcome to the West Bank Corporation, Inc. Q3 earnings conference call. After today's prepared remarks, we will host a question and answer session. If you would like to ask a question, please press star 1 to raise your hand. To withdraw your question, press star 1 again. I will now hand the conference over to Jane Funk, CFO. Please go ahead.

Thank you. Good afternoon, everybody. I'm Jane Funk, the CFO at West Bank 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, CEO, Harlee Olafson, Chief Risk Officer, Brad Winterbottom, our Bank President, and Brad Peters, our Minnesota Group President. I'll start 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 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 third quarter earnings release for more information about risks and uncertainties which may affect us. The information we provide today is accurate as of September 30th, 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 for joining us. We appreciate your interest in West Bank. I have a few general comments, and then we'll turn the call over to others who will provide more details. West Bank had another strong quarter, and our earnings per share continues to increase as expected. Our Board of Directors approved a $0.2026 per share quarterly dividend payable Wednesday, November 25th to shareholders of record as of Wednesday, November 11th. About the only thing that hasn't been enviable about West Bank this year has been our flat loan growth. We had good loan production, but our net loan growth was hampered by customers selling assets. There are likely a couple more coming sometime next year, but it's likely to subside during 2027. We did have some loan growth this past quarter, and we have a solid loan pipeline that is favorable. West Bank does not have credit problems and has not had any for a very long time. Our calling efforts, market disruption, and asset repricing will all continue to favorably impact our margin. All of our performance metrics are good and continue to strengthen. Those are my prepared comments. I'd now like to turn the call over to Mr. Harlee Olafson, our Chief Risk Officer.