Byline Bancorp, Inc.

Good morning and welcome to the Byline Bancorp third quarter 2025 earnings call. My name is Carly and I'll be the conference operator today. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there'll be a question and answer period. If you'd like to ask a question during that period, simply press the star button followed by one on your telephone keypad. If you'd like to withdraw your question, please press star and two. If you're listening via speakerphone, please ensure you lift the handset prior to asking a question. If you require operator assistance throughout the call, please press star and zero. Please note this conference call is being recorded. At this time, I'd like to introduce Brooks Rennie, Head of Investor Relations at Byland Bank Corp.

Thank you, Carly. Good morning, everyone. And thank you for joining us today for the Byland Bank Corp. Third Quarter 2025 Earnings Call. In accordance with Regulation FD, this call is being recorded and is available via webcast on our Investor Relations website, along with our earnings release and the corresponding presentation slides. As part of today's call, management may make certain statements that constitute projections, beliefs, or other forward-looking statements regarding future events or the future financial performance of the company. We caution that such statements are subject to certain risks, uncertainties, and other factors that could cause actual results to differ materially from those discussed. The company's risk factors are disclosed and discussed in its SEC filing. In addition, our remarks and slides may reference or contain certain non-GAAP financial measures, which are intended to supplement but not substitute for the most directly comparable GAAP measures. Reconciliation of each non-GAAP financial measure to the comparable GAAP financial measure can be found within the appendix of the earnings release. For additional information about risks and uncertainties, please see the forward-looking statement in non-GAAP financial measure disclosures in the earnings release. As a reminder for investors, this quarter we plan on attending the Hubby Financial Services Conference in Naples, Florida, and the Piper Sandler Financial Services Conference in Miami in November. With that, I would now like to turn the conference call over to Alberto Parachini, President of Byline Bancorp.

Thank you, Brooks, and good morning, everyone, and thank you for joining the call this morning to go over our third quarter results. With me today are Chairman and CEO Roberto Varencia, our CFO Tom Bell, and our Chief Credit Officer Mark Fusinato. This quarter, we streamlined the format to focus on key highlights for the quarter and our financial results so we can move quickly to Q&A and allow ample time for discussion. Before we get started, I'd like to pass the call over to our chairman, Roberto Varencia, for his remarks. Roberto?