Operator

Good morning, and welcome to the SB Financial First Quarter 2026 Conference Call and Webcast. I would like to inform you that this conference call is being recorded. [Operator Instructions] We will begin with remarks by management and then open the conference up to the investment community for questions and answers.

I will now turn the conference over to Sarah Mekus with SB Financial. Please go ahead, Sarah.

Sarah Mekus
The State Bank and Trust Company

Thank you, and good morning, everybody. I'd like to remind you that this conference call is being broadcast live over the Internet and will be archived and available on our website.

Joining me today are Mark Klein, Chairman, President and CEO; Tony Cosentino, Chief Financial Officer; and Steve Walz, Chief Lending Officer.

Today's presentation may contain forward-looking information. Cautionary statements about this information as well as reconciliations of non-GAAP financial measures are included in today's earnings release materials as well as our SEC filings. These materials are available on our website, and we encourage participants to refer to them for a complete discussion of risk factors and forward-looking statements. These statements speak only as of April 24, 2026, and SB Financial undertakes no obligation to update them.

I will now turn the call over to Mr. Klein.

Mark Klein
Chairman, President & CEO

Thank you, Sarah, and good morning, everyone. Welcome to our first quarter 2026 conference call and webcast. First quarter represented a solid start to the