Operator

Thank you for standing by. My name is Tina, and I will be your conference operator today. [Operator Instructions] At this time, I would like to welcome everyone to the Beacon Financial Corporation First Quarter 2026 Earnings Conference Call. It is now my pleasure to turn the call over to Dario Hernandez, Corporate Counsel. You may begin.

Dario Hernandez
VP & Corporate Counsel

Thank you, Tina, and good afternoon, everyone. Yesterday, we issued our earnings release and presentation, which is available on the Investor Relations page of our website, beaconfinancialcorporation.com, and has been filed with the SEC. This afternoon's call will be hosted by Paul Perrault and Carl Carlson. During the question-and-answer session, they will also be joined by Mark Meiklejohn, the Chief Credit Officer. This call may contain forward-looking statements with respect to the financial condition, results of operations and business of Beacon Financial Corporation. Please refer to Page 2 of our earnings presentation for our forward-looking statements disclosure. Also, please refer to our other filings with the Securities and Exchange Commission, which contain risk factors that could cause actual results to differ materially from these forward-looking statements. Any references made during this presentation to non-GAAP measures are only made to assist you in understanding Beacon Financial's results. and performance trends and should not be relied on