Origin Bancorp, Inc.

Good morning and welcome to the Origin Bancorp Incorporated Fourth Quarter Earnings Conference Call. The format of the call includes prepared remarks from the company followed by a question and answer session. Please note that all attendees will be on a listen-only mode until the Q&A portion of the call. Please note this event is being recorded. I would now like to turn the conference call over to Chris Riggleman, 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 the 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 the use of non-GAAP financial measures. For those of you 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 also available on page five of our earnings release file of 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, our Chief Financial Officer, Wally Wallace, Chief Risk Officer, Jim Crockwell, our Chief Accounting Officer, Steve Brawley, and our 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 with us this morning. I'm excited about where we are as a company as we enter 2025. I want to start on slide four and talk about what Optimize Origin means to us and to all of our stakeholders. Our entire executive team has worked hard over the past year creating and implementing a strategy that is the basis for the next evolution of our companies. The goal of Optimize Origin is to deliver sustainable, elite-level financial performance. Optimize Origin is built on three primary pillars, productivity, delivery, and efficiency, balance sheet optimization, and culture and employee engagement, which Lance and Wally will discuss in more detail later in this presentation. The definition of optimized is to make as perfect, as effective, or as functional as possible. Optimized origin is more than a project. It's more than a point in time. It is a continual enhancement of award-winning culture and the drive for elite financial performance. We recently wrote our new performance statement across our company that incorporates this drive for performance into our brand voice. It reads, to enhance our dynamic culture and optimize financial performance to be the best bank in America and an extraordinary partner to our stakeholders. This purpose statement perfectly aligns with Origin's vision and mission. Origin has proven to be a dynamic leader of driving a unique corporate culture that emphasizes the employee experience and employee engagement. This philosophy has created a competitive advantage by attracting and retaining best-in-class bankers in some of the best markets in the country to grow our customer base and serve our communities. But we can do more. At a high level, we expect the strategic actions that we have taken and will continue to implement will drive us to an ROA run rate of 1% or greater by the fourth quarter this year. Our ultimate target is for our ROA to be in the top quartile of our peers. We believe the actions we've already taken will drive earnings improvement of approximately $21 million annually on a pre-tax, pre-provision basis. Now I'll turn it over to Lance and the team.