National Bank Holdings Corporation

Good morning, everyone, and welcome to the National Bank Holdings Corporation 2025 Fourth Quarter Earnings Call. My name is Margo, and I'll be your conference operator today. At this time, all participants are in a listen-only mode. As a reminder, this conference is being recorded for replay purposes. I will now turn the call over to Emily Gooden, Chief Accounting Officer and Director of Investor Relations.

Thank you, Margo, and good morning. We will begin today's call with prepared remarks followed by a question-and-answer session. I would like to remind you that this conference call will contain forward-looking statements, including but not limited to statements regarding the company's strategy, loans, deposits, capital, net interest income, non-interest income, margins, allowance taxes, and non-interest expense. Actual results could differ materially from those discussed today. These forward-looking statements are subject to risks, uncertainties, and other factors which are disclosed in more detail in the company's most recent filings with the U.S. Securities and Exchange Commission. These statements speak only as of the date of this call, and National Bank Holdings Corporation undertakes no obligation to update or revise these statements. In addition, the call today will reference certain non-GAAP measures, which National Bank Holdings Corporation believes provides useful information for investors. Reconciliations of these non-GAAP financial measures to the GAAP measures are provided in the news release posted on the investor relations section of www.nationalbankholdings.com. It is now my pleasure to turn the call over and introduce National Bank Holdings Corporation's Chairman and CEO, Mr. Tim Blaney.

Well, thank you, Emily. Good morning, and thank you for joining us as we discuss National Bank Holdings' second quarter 2026 financial performance. I'm joined by our president, Aldis Birkans, our chief financial officer, Nicole Van Denabeele, and John Steinmetz, our executive vice chair and executive managing director of strategic initiatives. Our team delivered solid second quarter results with record loan production and 10% year-to-date loan growth. Strong credit metrics reflect our intense focus on prudent growth. Our commitment to developing full banking relationships with our clients continues to translate into operating with a low-cost and diversified deposit franchise. Expenses continue to be well managed, and we expect to meet or exceed savings resulting from the VISTA integrations. Before I turn the call over to Nicole, I want to share how pleased I am with the revenue lift we're seeing from the VISTA acquisition. Our bankers are excelling at delivering quality results for our shareholders. I also want to recognize our countless teammates that have positioned our company to seamlessly integrate the VISTA acquisition with all conversions targeted to be complete by quarter end. On that note, I'll turn the call over to Nicole. Nicole?