Mark Hardwick
Chief Executive Officer
Replay available
First Merchants Corporation (NASDAQ: FRME) Q2 2025 earnings conference call, held 2025-07-24. Replay captured from the company's public earnings webcast.

Chief Executive Officer
President
Chief Financial Officer
Chief Credit Officer
Analyst, Raymond James
Analyst
Analyst, Hobbit Group
Analyst, Piper Sandler
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WEBVTT 00:00:00.000 -- 00:00:03.300 Thank you for standing by and welcome to the First Merchants Corporation Second Quarter 00:00:03.300 -- 00:00:07.600 2025 Earnings Conference Call. Before we begin, management would like to remind you that 00:00:07.600 -- 00:00:11.700 today's call contains forward-looking statements with respect to future performance and 00:00:11.700 -- 00:00:16.260 financial condition of First Merchants Corporation that involve risk and uncertainties. 00:00:16.260 -- 00:00:19.280 Further information is contained within the press release, which we encourage you to 00:00:19.280 -- 00:00:23.380 review. Additionally, management may refer to non-GAP measures, which are intended to 00:00:23.380 -- 00:00:27.200 supplement but not substitute for the most directly comparable GAP measures. 00:00:27.200 -- 00:00:30.920 The press release available on the website contains financial and other quantitative 00:00:30.920 -- 00:00:36.320 information to be discussed today as well as reconciliation of GAP to non-GAP measures. 00:00:36.320 -- 00:00:38.540 As a reminder, today's call is being recorded. 00:00:38.540 -- 00:00:40.100 I will now turn the conference over to Mr. 00:00:40.100 -- 00:00:43.880 Mark Hardwick, CEO, and Mr. Hardwick may begin. 00:00:44.140 -- 00:00:49.120 Good morning and welcome to First Merchants Second Quarter 2025 Conference Call. 00:00:49.120 -- 00:00:53.040 Thanks for the introduction and for covering the forward-looking statement on page 2. 00:00:53.040 -- 00:00:58.300 We released our earnings yesterday after the close of the market, and you can access 00:00:58.300 -- 00:01:02.680 today's slides by following the link on the third page of our earnings release. 00:01:02.680 -- 00:01:08.340 On page 3 of our slides, you will see today's present...