Operator

Welcome to the Metropolitan Commercial Bank First Quarter 2026 Earnings Call. Hosting the call today from Metropolitan Commercial Bank are Mark DeFazio, President and Chief Executive Officer; and Daniel Dougherty, Executive Vice President and Chief Financial Officer. Today's call is being recorded.

During today's presentation, reference will be made to the company's earnings release and investor presentation, copies of which are available at mcbankny.com. Today's presentation may include forward-looking statements that are subject to risks and uncertainties that may cause actual results to differ materially. Please refer to the company's notices regarding forward-looking statements and non-GAAP measures that appear in the earnings release and investor presentation.

It is now my pleasure to turn the floor over to Mark DeFazio, President and Chief Executive Officer. You may begin.

Mark DeFazio
Founder, President, CEO & Director

Thank you, Angela. Good morning, and thank you all for joining our call. We ended the year with momentum, meaningful visibility into our growth outlook. A substantial portion of our expected loan and deposit growth is already in the pipeline and expected to be realized in the first half of the year, with the balance building steadily into the back half.

The visibility reflects signed client commitments, active onboarding activity and long-standing relationships rather than speculative assumptions. Our iGaming payments and HUD [Audio Gap] platforms are no longer conceptual. They are in integration stage. We have a line of sight into implementation time lines and client onboarding activity, which will allow