Northpointe Bancshares, Inc.

Greetings. Welcome to North Point Bank Shares Incorporated first quarter 2026 earnings call. At this time, all participants are in a listen-only mode. A question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. Please note this conference is being recorded. I will now turn the conference over to Brad Howes, Executive Vice President and Chief Financial Officer. Thank you. You may begin.

Good morning, and welcome to NorthPoint's first quarter 2026 earnings call. My name is Brad Howes, and I am the Chief Financial Officer. With me today are Chuck Williams, our Chairman and CEO, and Kevin Comps, our President. Additional earnings materials, including the presentation slides that we will refer to on today's call, are available on NorthPoint's Investor Relations website, ir.northpoint.com. As a reminder, during today's call, we may make forward-looking statements, which are subject to risks and uncertainties and are intended to be covered by the safe harbor provisions of federal securities law. For a list of factors that may cause actual results to differ materially from expectations, please refer to the disclosures contained within our SEC filings. We will also reference non-GAAP financial measures and encourage you to review the non-GAAP reconciliations provided in both our earnings release and presentation slides. The agenda for today's call will include prepared remarks, followed by a question and answer session. With that, I'll turn the call over to Chuck.

Thank you, Brad. Good morning, everyone, and thank you for joining. With one quarter completed, we're off to a very good start in 2026. Despite the macroeconomic uncertainty, our business model remains resilient and our exceptional team members continue to perform well. For the quarter, we earned 62 cents per diluted share and with a return on average assets of 1.28%. and return on average tangible common equity of 15.71%. Factoring in the impact of dividends paid, our tangible book value per share increased by over 16% annualized over the prior period. Our first quarter results were anchored by robust growth and continued market share gains in our mortgage purchase program or MPP business, strong performance in our residential lending channel, a modest reduction in our wholesale funding ratio, and an improvement in overall asset quality. We've added a new slide, which is on page four of our earnings call presentation, which I think really tells the story well. We're proud to be one of the only entirely mortgage-focused banks in the country. While certain aspects of our financial performance are naturally sensitive to mortgage rates, Our diversification across the mortgage space has historically insulated us from dramatic income statement volatility typically associated with the mortgage industry. As outlined in the charts, we've continued to deliver consistent financial performance and grow tangible book value despite the challenging and volatile interest rate environment. One of the biggest drivers of our performance is the success we've achieved in our MPP business. Let me walk through a few highlights. MPP balances ended the quarter at 3.9 billion, an impressive growth rate of 51% annualized over the prior period. Total loans funded through the channel was 11.2 billion for the quarter, which is very strong considering the first quarter is typically slower due to normal seasonality in the mortgage business. By comparison, total loans funded was 6.7 billion for the first quarter of 2025. We have funded 4.6 billion in total loans during March, which is our highest volume month on record. I believe our first quarter results combined with the momentum we have gained set us up nicely to meet or exceed our 2026 growth plan. I'd like to now turn the call over to Kevin to provide more details on our business lines.