Origin Bancorp, Inc.

Ladies and gentlemen, good morning and welcome to the Origin Bank Corp Inc. Third Quarter Earnings Conference call. My name is David, and I will be your EverCall coordinator. The format of today's call includes prepared remarks from the company, followed by a question and answer session. Please note that all attendees will be on the listen-only mode until the Q&A portion of today's call. Also, please note that this event is being recorded. I would now like to turn the call over to Chris Riegelman, Director of Investor Relations. Please go ahead.

Good morning, and thank you for joining us today. We issued our earnings press release yesterday afternoon, a copy of which is available on our website, along with a slide presentation that we will refer to during this call. Please refer to page two of our slide presentation, which includes our safe harbor statements regarding forward-looking statements and use of non-GAAP financial measures. For those joining by phone, please note the slide presentation is available on our website at www.ir.origin.bank. Please also note that our safe harbor statements are available on page five of our earnings release filed with the SEC yesterday. All comments made during today's call are subject to the safe harbor statements in our slide presentation and earnings release. I'm joined this morning by Origin Bank Corp's Chairman, President, and CEO, Drake Mills, President and CEO of Origin Bank, Lance Hall, Chief Financial Officer, Wally Wallace, Chief Risk Officer, Jim Crockwell, Chief Accounting Officer, Steve Brawley, and Chief Credit and Banking Officer Preston Moore. After the presentation, we will be happy to address any questions you may have. Drake, the call is yours.

Thanks, Chris, and thanks for being on the call. I'd like to believe that I've developed a reputation of being transparent and direct. We have accomplished a great deal since we went public in 2018 when we were $4.2 billion in assets. We've expanded our presence in Texas, grown market share in Louisiana and Mississippi, entered new markets in South Alabama and the Florida Panhandle, built an award-winning culture that attracts talented bankers, and we have diligently prepared to cross $10 billion in assets. Even with these successes, we clearly understand the work in front of us to create upper quartile profitability. We've been very strategic in how we prepare for crossing $10 billion in assets. We've made significant investments in people and processes that we knew would impact short-term profitability, but would prepare us to drive long-term value. While this preparation and rate environment have pressured our profitability, I am confident we've made the right decisions to lay the foundation to build long-term value. We've strengthened our management team. We've invested in technology. We've enhanced our ability to gather and analyze data to drive strategic decision-making, and we have improved our risk management capabilities to name a few. Now it's time to sharpen our focus on near-term profitability. We are laser-focused on a strategic initiative to return to acceptable profitability levels by the end of next year. We will provide detailed metrics around this initiative when we report our full-year results in January. We are well into the process and are actively working with a third party to benchmark us at a granular level to our peers. We have also begun outlining specific revenue and expense opportunities to achieve our profitability goals. In the near term, we need to operate at levels in line with our peers with a defined path to outperform them. Now I'll turn it over to Lance and the team to talk through the quarter results.