Central Pacific Financial Corp New

presentation, all parties will be in a listen-only mode. Following the presentation, the conference will be open for questions. This call is being recorded and will be available for replay shortly after its completion on the company's website at www.cpb.bank. I would like to turn the call over to Mr. Jared Robago, Senior Strategic Financial Officer. Please go ahead.

Thank you, Dustin, and thank you all for joining us as we review the financial results of the third quarter of 2025 for Central Pacific Financial Corp. With me this morning are Arnold Martinez, Chairman, President, and Chief Executive Officer. David Morimoto, Vice Chairman and Chief Operating Officer. Ralph Messick, Senior Executive Vice President and Chief Risk Officer. Dana Matsumoto, Executive Vice President and Chief Financial Officer, and Anna Hu, Executive Vice President and Chief Credit Officer. We have prepared a supplemental slide presentation that provides additional details on our earnings release and is available in the Investor Relations section of our website at cpb.bank. During the course of today's call, management may make forward-looking statements. While we believe these statements are based on reasonable assumptions, they involve risks that may cause actual results to differ materially from those projected. For a complete discussion of the risks related to our forward-looking statements, please refer to slide two of our presentation. And now, I'll turn the call over to our Chairman, President, and CEO, Arnold Martinez.

Arnold? Thank you, Gerald, and aloha to everyone joining us today. I want to begin by expressing our sincere gratitude for your continued interest in support of Central Pacific Financial Corp. We are pleased to report that our bank delivered strong results this quarter. We remain well-positioned to pursue our strategic objectives while maintaining flexibility to navigate economic headwinds with a high-quality, well-capitalized balance sheet and strong liquidity. Our foundation is solid, and our focus is on exceptional customer experience, disciplined growth, sustainable profitability, and long-term value for our shareholders. While Hawaii's economy is experiencing some softness in tourism due to U.S. trade policies, our market has historically proven resilient. Ongoing construction and military spending continue to provide meaningful support, helping to stabilize the local economy. This quarter, our results were highlighted by deposit and loan growth, margin expansion, and the strategic consolidation of our operations center into our main headquarters, which positions us for improved collaboration among employees and future efficiencies. We also announced a strategic partnership with the Kyoto Shinkin Bank, strengthening economic ties between Hawaii and Japan's Kyoto region. This collaboration will create new opportunities for our small and midsize customers, enhancing growth prospects, and reinforcing our commitment to supporting business development. At Central Pacific, our vision is to be a bank that people want to invest in, work for, and partner with. For our employees, this means fostering a workplace where talent can thrive, For our customers, this means providing exceptional experience with safe, reliable, and accessible financial solutions that help them achieve their goals. And for our shareholders, this means delivering consistent attractive returns, distributing income responsibly, and building long-term value. Our governing objective is anchored in disciplined capital stewardship. Our strategy is focused on optimizing bottom line returns while maintaining a high level of liquidity and prudent levels of capital. We achieve this through thoughtful capital allocation, measured risk-taking, and ethical business practices. Operationally, we are building a resilient business model designed for steady returns rather than short-term gains. Our balance sheet strategy is focused on enhancing composition, improving risk adjusted returns, shortening duration, and increasing diversification across products and geographies. In essence, our focus is on four priorities. Enhancing our products to better serve customers and capture growth opportunities. Building the strongest team possible to execute our strategy effectively. strengthening the balance sheet to deliver durable profits and solid returns, and growing the business prudently through disciplined programmatic strategies. We are confident that this approach positions Central Pacific for continued long-term success and value creation for our shareholders. With that, I'll turn the call over to David. David?