Amerant Bancorp Inc.

Greetings. Welcome to AMRAD's second quarter 2025 earnings conference call. At this time, all participants are in a listen-only mode. The question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. Please note this conference is being recorded. I will now turn the conference over to Laura Rossi, SVP, Head of Investor Relations. Thank you. You may begin.

Thank you, Darryl. Good morning, everyone, and thank you for joining us to review AMRAD Bancorp's second quarter 2025 results. On today's call are Jerry Posh, Chairman and CEO, and Shari Marca Alderon, Senior Executive Vice President and CFO. As we begin, please note that discussions on today's call contain forward-looking statements within the name of the Securities Exchange Act. In addition, references will also be made to non-GAP financial measures. Please refer to the company's earnings release or statement regarding forward-looking statements, as well as for information and reconciliation of non-GAP financial measures to GAP measures. I will now turn it over to our Chairman and CEO, Jerry Posh.

Thank you, Laura, and good morning, everyone, and thank you for joining us today to discuss AMRAD's second quarter 2025 results. You will notice we continue to evolve our approach to these calls, including refining the slides we will cover today. So Shari is going to take the lead in commenting on results and asset quality, and I'll wrap up our prepared remarks with some strategic updates in order to allow ample time for Q&A. As I noted in our press release, we are pleased to be reporting improved results this quarter, which are driven by higher quarter pre-permission net revenue, along with a lower provision for credit losses. A lot of time and effort this quarter was focused on asset quality, and that will continue to be a top priority for us. Low growth in QQ was offset by payoffs and paydowns, and the number of deals we closed in QQ have yet to fund. We saw solid customer deposit growth in light of stiff competition for market share, which we utilized to grow our investment portfolio this quarter. Our new banking centers continue to grow nicely, and we've included the details by banking center in the supplemental slides. And we continue to selectively add key personnel to our team, which I'll comment on later in this presentation. So with that, let me turn it over to Shari now to cover two QQ results in detail.