Operator

Greetings, and welcome to the Cullen/Frost Bankers First Quarter 2026 Earnings Conference Call. [Operator Instructions] Please note that this conference is being recorded.

I will now turn the conference over to A.B. Mendez, Senior Vice President and Director of Investor Relations. Thank you. You may begin.

A.B. Mendez

Thanks very much and thank you all for rejoining us. I'm going to quickly run through the safe harbor again before I pass it to our CEO, Phil Green. This afternoon's conference call will be led by Phil Green, Chairman and CEO; and Dan Geddes, Group Executive Vice President and CFO.

Before I turn the call to Phil and Dan, I'd like to run through the safe harbor. Some of the remarks made today will constitute forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995 as amended. We intend such statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 as amended. Please see the last page of text in this morning's earnings release for additional information about the risk factors associated with these forward-looking statements. If needed, a copy of the release is available on our website or by calling the Investor