Northpointe Bancshares, Inc.

Greetings and welcome to Northport Bancshares' second quarter 2026 earnings conference call. At this time, all participants are on a listen-only mode. 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. Reminder, this conference is being recorded. I would now like to turn the conference over. Brad Howes, Executive Vice President, and CFO. Thank you. You may begin.

Good morning, and welcome to North Point's second 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 North Point's Investor Relations website, and more. 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. As I reflect on the progress we have made over the past year, I'm extremely proud of our leadership team and dedicated employees for all they've accomplished so far. As an organization, we have executed on our strategic priorities and positioned Northpointe for continued success in 2026 and beyond. Over the last 12 months, we have increased our year-to-date diluted earnings per share by 21%. We've grown our tangible book value by over $2.25 per share. We've generated strong new business with new loans and deposits, each growing by 17%. We've added new funding sources to bolster core deposits and lower our wholesale funding ratio from 71% to 63%. For the second quarter, we earned $0.60 per diluted shares and have earned $1.22 per diluted share on a year-to-date basis. This quarter's return on average assets was 1.18% and return on average tangible common equity was 14.69%. Factoring in the impact of dividends paid, our tangible book value per share increased by 15% annualized over the prior quarter. From my seat, the economy seems to be pretty resilient, despite the current geopolitical and macroeconomic risks. Consumer spending remains healthy, credit quality is stable, and we continue to see good loan demand across our footprint. Before I turn the call over to Kevin and Brad, let me walk through a few highlights of our mortgage purchase program or MPP business, which remains one of the largest catalysts of our strong financial performance. MPP balances ended the quarter at $3.9 billion, which increased by over a billion dollars or 36% from the second quarter of last year. Total loans funded through the channel continues to increase with $12.8 billion for the quarter, which is up $11.2 billion in the prior quarter and $9 billion from the second quarter of 2025. Demand within the channel remains strong with a healthy pipeline of additional business. As such, we began to utilize higher levels of participation in the program. which helps us manage our balance sheet within our existing capital framework while optimizing our revenue streams. We began a strategy several quarters ago to expand and add additional partner financial institutions so that we could continue to grow the business and meet additional demand. That initiative has gone well so far as we have added several new partners this quarter. We have a healthy pipeline of others who are interested in the participation program. Turning to the residential lending channel, we remain focused on increasing mortgage origination, productivity, and attracting and retaining high-quality talented lenders. We continue to make investments in technology and people to cultivate and grow this business, while remaining nimble and managing overhead efficiently to remain profitable in any rate cycle. Regardless of what happens to the mortgage volumes going forward, We continue to take our fair share of the business, and we're well positioned to quickly capitalize on additional mortgage volume should rates decrease. I'd like to turn the call over to Kevin to provide more details on our business lines.