First Merchants Corporation (FRME) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Thank you for standing by and welcome to the First Merchants Corporation second quarter 2026 earnings conference call. Before we begin, management would like to remind you that today's call contains forward-looking statements with respect to the future performance and financial condition of First Merchants Corporation. That involves risks and uncertainties. Further information is contained within the press release, which we encourage you to review. Additionally, management would refer to non-GAAP measures, which are intended to supplement But not substitute for the most directly comparable gap measures. The press release available on the website contains financial and other quantitative information to be discussed today, as well as a reconciliation of gap and non-gap measures. As a reminder, today's call is being recorded. I would now like to turn the conference over to Mr. Mark Hardwick, CEO. Mr. Hardwick, you may begin. Good morning and welcome to First Merchants' second quarter 2026 conference call. Thanks for the introduction and for covering the forward-looking statement on page two. We released our earnings yesterday after markets closed, and today's presentation materials are available via the link on page three of the earnings release. Turning to slide three, you will see today's presenters and members of our executive management team. Joining me on the call are Mike Stewart, our president, John Martin, chief credit officer, and Michele Kawiecki, our Chief Financial Officer. Slide four highlights our footprint and financial scale. We now operate 126 banking centers reflecting the addition of Southern Indiana following the first savings acquisition. Total assets stand at 21.3 billion with 15.5 billion in loans and 16.8 billion in deposits. Turning to slide fiv...