NBT Bancorp Inc. (NBTB) Q2 2026 Earnings Call

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WEBVTT 00:00:02.033 -- 00:00:07.317 Good day, everyone. Welcome to the conference call covering NBT Bancorp's second 00:00:07.317 -- 00:00:12.361 quarter 2026 financial results. This call is being recorded 00:00:12.361 -- 00:00:17.765 and has been made accessible to the public in accordance with SEC Regulation FD. 00:00:17.765 -- 00:00:23.888 Corresponding presentation slides can be found on the company's website at nbtbancorp.com. 00:00:24.210 -- 00:00:29.349 Before the call begins, NBT Management would like to remind listeners that, as noted 00:00:29.349 -- 00:00:34.331 on slide 2, today's presentation may contain forward-looking statements as defined in 00:00:34.331 -- 00:00:37.132 the Securities and Exchange Commission. 00:00:37.132 -- 00:00:40.052 Actual results may differ from those projected. 00:00:40.052 -- 00:00:43.574 In addition, certain non-GAAP measures will be discussed. 00:00:43.574 -- 00:00:49.335 Reconciliations for these numbers are contained within the appendix of today's presentation. 00:00:49.335 -- 00:00:52.296 Currently, all participants are in a listen-only mode. 00:00:52.296 -- 00:00:54.806 Later, we will conduct a question-and-answer session. 00:00:54.806 -- 00:00:59.969 Instructions will follow at that time. As a reminder, this call is being recorded. 00:00:59.969 -- 00:01:05.092 I will now turn the conference over to NBT Bancorp President and CEO, Scott Kingsley, 00:01:05.092 -- 00:01:09.554 for his opening remarks. Mr. Kingsley, please begin. 00:01:09.554 -- 00:01:14.957 Thank you, Cherie. Good morning, and welcome to this earnings call covering NBT Bancorp's 00:01:14.957 -- 00:01:17.817 second quarter 2026 results. 00:01:17.938 -- 00:01:23.281 With me today are Annette Burns, NBT's Chief Financial Officer, Joe Stagliano, President 00:01:...