NBT Bancorp Inc. (NBTB) Q1 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.876 Good day, everyone. Welcome to the conference call covering NBT Bancorp's first quarter 00:00:03.876 -- 00:00:08.521 2025 financial results. This call is being recorded and has been made accessible to the 00:00:08.521 -- 00:00:11.945 public in accordance with the SEC's regulation FD. 00:00:11.945 -- 00:00:17.330 Corresponding presentation slides can be found on the company's website at nbtbancorp.com. 00:00:17.592 -- 00:00:21.517 Before the call begins, NBT's management would like to remind listeners, as noted on 00:00:21.517 -- 00:00:25.562 slide two, today's presentation may contain forward-looking statements as defined by 00:00:25.562 -- 00:00:30.136 the Securities and Exchange Commission. Actual results may differ from those projected. 00:00:30.136 -- 00:00:33.120 In addition, certain non-GAAP measures will be discussed. 00:00:33.120 -- 00:00:36.142 Reconciliation for these numbers 00:00:36.345 -- 00:00:38.768 are contained within the appendix of today's presentation. 00:00:38.768 -- 00:00:42.133 At this time, all participants are on a listen-only mode. 00:00:42.133 -- 00:00:44.216 Later, we will conduct a question and answer session. 00:00:44.216 -- 00:00:48.422 Instructions will follow at that time. As a reminder, this call is being recorded. 00:00:48.422 -- 00:00:52.107 I will now turn the conference over to MBT Bank Corp's President and CEO, Scott Kingsley, 00:00:52.107 -- 00:00:55.567 for his opening remarks. Mr. Kingsley, please begin. 00:00:55.567 -- 00:00:59.812 Thank you, Kevin, and good morning, and thank you for joining us for this earnings call 00:00:59.812 -- 00:01:04.398 covering NBT Bancorp's first quarter 2025 results. 00:01:04.398 -- 00:01:09.685 With me today are Annette Burns, NBT's Chief Financial Officer, J...