Renasant Corporation

Good day, and welcome to Renasant Corporation's 2026 Second Quarter Earnings Conference Call and Webcast. All participants will be in a listen-only mode for the duration of the call, and should you need any assistance today, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then one on your telephone keypad. and if you'd like to withdraw a question, please press star then two. Also, please be aware that today's call is being recorded. I would now like to turn the call over to Kelly Hutcheson, Executive Vice President and Chief Accounting Officer. Please go ahead.

Good morning and thank you for joining us for Renasant Corporation's quarterly webcast and conference call. Participating in the call today are members of Renasant's Executive Management Team, Before we begin, please note that many of our comments during this call will be forward-looking statements which involve risk and uncertainty. There are many factors that could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements. Such factors include, but are not limited to, changes in the mix and cost of our funding sources, interest rate fluctuation, regulatory changes, portfolio performance, and other factors discussed in our recent filings with the Securities and Exchange Commission. including our recently filed earnings release which has been posted to our corporate site www.renaissance.com at the press releases link under the news and market data tab. We undertake no obligation and we specifically disclaim any obligation to update or revise forward looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time. In addition Some of the financial measures that we may discuss this morning are non-GAAP financial measures. A reconciliation of the non-GAAP measures to the most comparable GAAP measures can be found in our earnings release. And now I will turn the call over to our President and Chief Executive Officer, Kevin Chapman.

Thank you, Kelly, and good morning. Our performance in the second quarter continued at the pace we set in the first quarter. Operating results across the company were strong, as we continue to focus on organic growth as well as disruption in many of our markets. Adjusted earnings per share in the second quarter were 94 cents, up 36 percent from a year ago. Adjusted return on average assets was 1.3 percent compared to 1.01 percent in the same period last year. Similarly, adjusted return on average tangible common equity was 16.25 percent versus 13.5% in the second quarter of 2025. The efficiency ratio also improved from 67.6% a year ago to 57.9% this quarter. By focusing on increasing core banking relationships and adding talent throughout the company, Renasant is in a great position to capitalize on growth opportunities throughout the back half of the year. I will now turn the call over to Jim to provide more details on our financial results.