Byline Bancorp, Inc.

Good morning all and welcome to the Byline Bancorp 4Q 2025 earnings call. My name is Carly and I'll be coordinating the call today. All learning has been placed on mute without any background noise and after the speaker's remarks there will be a question and answer period. If you'd like to register a question during the call you can do so by pressing star followed by one on your telephone keypad and to remove the separate line of questioning will be star followed by two. If you require assistance from a support operator please press star and zero. Please note that this conference call is being recorded. At this time, I'd like to introduce Brooks Rennie, Head of Investor Relations at Byline Bancorp. Please go ahead.

Thank you, Carly. Good morning, everyone, and thank you for joining us today for the Byline Bancorp fourth quarter and full year 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 measures disclosure in the earnings release. As a reminder for investors, this quarter we plan on attending the KBW Winter Financial Services Conference in Boca Raton, Florida. With that, I would now like to turn the conference call over to Alberto Parchini, President of Byline Bancorp.

Thank you, Brooks. Good morning, everyone, and Happy New Year to all of you. We appreciate you joining the call this morning to review our fourth quarter and full year 2025 results. With me today are Chairman and CEO, Roberto Horencia, our CFO, Tom Bell, and our Chief Credit Officer, Mark Fusinato. Before we get started, I'd like to pass the call over to our Chairman, Roberto Horencia, for his remarks. Roberto.