Renasant Corporation

Good day and welcome to the Renaissance Corporation's 2026 Third Quarter EARNX Conference Call-in Webcast. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After this presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then one on your telephone. To withdraw your question, please press star and two. Please note, this event is being recorded. I would now like to turn the conference over to Kelly Hutcheson. Please go ahead.

Good morning and thank you for joining us for Renaissance Corporation's quarterly webcast and conference call. Participating in the call today are members of Renaissance 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, realization of the projected financial metrics from a recently announced merger with commercial holding company, and other factors discussed in our recent filings with the Securities and Exchange Commission, including our recently filed earnings release and the press release announcing the proposed merger, both of which have 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 and our earnings release to the most comparable GAAP measures can be found in such release. And now, I will turn the call over to our President and Chief Executive Officer, Kevin Chapman.

Thank you, Kelly, and good morning. Third quarter results continue to show momentum in achieving our financial goals, adding talent, and gaining market share. Adjusted earnings per share in the third quarter were 86 cents, up 12% from one year ago. Adjusted return on average assets was 1.16% in the quarter compared to 1.09% in the same period last year. Similarly, adjusted return on average tangible common equity was 14.5% versus 14.2% in the third quarter of 25. The efficiency ratio also improved to 57.7% this quarter. Our core business continues to perform well. Highlights this quarter include strong loan and core deposit growth, a record level of loan production, a stable core net interest margin, a reduction in problem credits, a reduction in expenses, and continued buybacks. While EPS declined link quarter, this was primarily due to a higher provision driven by the ramp in loan growth. In addition, we are pleased this morning to announce the merger with Commercial Bank and Trust, which will strengthen our presence in Memphis and provide solid, long-tenured deposit and wealth management relationships throughout western Tennessee. We are looking forward to welcoming Mott Ford, and the commercial team to Renasant. And importantly, we do not believe this deal will distract us from the market share opportunities we continue to see across our footprint. Altogether, Renasant is in a great position to continue to improve financial performance and capitalize on growth opportunities, and the commercial acquisition will be added to that momentum. I will now turn the call over to Jim to provide more details on the financial results.