Community Financial System, Inc.

Good day and welcome to the Community Financial System, Inc.' 's first quarter 2026 earnings conference call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your telephone keypad. To withdraw your question, please press star then two. Please note that this event is being recorded and the discussion may contain forward-looking statements within the provision of the Private Security Legitimation Reform Act of 1995 that are based on the current expectation, estimates, and projection and about the industry, markets, and economic environment in which the company operates. These statements involve risk and uncertainties that could cause actual results to differ materially from the results discussed. Refer to the company's SEC filings, including the risk factor section, for more details. Discussion may also include reference to certain non-GAAP financial measures. Reconciliation of these non-GAAP measures to the most directly comparable GAAP measures can be found in the company's earnings release. I would now like to turn the conference over to Dmitry Krivonov, President and CEO.

Please go ahead. Good morning, everyone. I would like to first highlight a very recent recognition our company received.

Last week, we were named Center State CEO of Business of the Year with over 50 employees here in Central New York. This is one of the most prominent recognitions in Central New York. I believe it is a great illustration of the activity, commitment, visibility, investment, and impact we're having. And the results we're about to discuss come in no small part due to all of the above. A major thank you to all of our teams across banking, insurance, employee benefits, and wealth management.