NBT Bancorp Inc. (NBTB) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.138 Good day, everyone. Welcome to the conference call covering NBT Bancorp's first quarter 00:00:05.138 -- 00:00:08.522 2026 financial results. 00:00:08.522 -- 00:00:13.329 This call is being recorded and has been made accessible to the public in accordance 00:00:13.329 -- 00:00:18.376 with the SEC Regulation FD. Corresponding presentation slides can 00:00:18.376 -- 00:00:22.438 be found on the company's website at nbtbancorp.com. 00:00:23.342 -- 00:00:28.369 Before the call begins, NBT's management would like to remind listeners that, as noted 00:00:28.369 -- 00:00:33.491 in slide two, Today's presentation may contain forward-looking statements as defined 00:00:33.491 -- 00:00:36.473 by the Securities and Exchange Commission. 00:00:36.473 -- 00:00:39.876 Actual results may differ from those projected. 00:00:39.876 -- 00:00:43.960 In addition, certain non-GAAP measures will be discussed. 00:00:43.960 -- 00:00:50.206 Reconciliations for these numbers are contained within the appendix of today's presentation. 00:00:50.206 -- 00:00:53.248 At this time, all participants are in a listen-only mode. 00:00:53.248 -- 00:00:55.811 Later, we'll conduct a question-and-answer session. 00:00:55.811 -- 00:01:01.593 Instructions will follow at that time. As a reminder, this call is being recorded. 00:01:01.593 -- 00:01:07.260 I will now turn the conference over to NBT Bancorp President and CEO, Scott Kingsley, 00:01:07.260 -- 00:01:10.424 for his opening remarks. Mr. Kingsley, please begin. 00:01:10.424 -- 00:01:15.610 Thank you. Good morning, and thank you for joining us for this earnings call covering 00:01:15.610 -- 00:01:19.615 NBT Bancorp's first quarter 2026 results. 00:01:19.615 -- 00:01:25.001 With me today are Annette Burns, NBT's Chief Fina...