Norwood Financial Corp. (NWFL) Q1 2026 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.075 Good day and thank you for standing by. Welcome to the Norwood Financial Corp first quarter 00:00:04.075 -- 00:00:10.221 2026 earnings call. At this time, all participants are in a listen only mode. 00:00:10.221 -- 00:00:13.244 After the speaker's presentation, there will be a question and answer session. 00:00:13.244 -- 00:00:19.331 To ask a question during the session, you'll need to press star 11 on your telephone. 00:00:19.331 -- 00:00:23.034 You will then hear an automated message advising your hand is raised. 00:00:23.034 -- 00:00:27.655 To withdraw your question, please press star 11 again. 00:00:27.655 -- 00:00:31.663 Please be advised that today's conference is being recorded. 00:00:31.663 -- 00:00:35.431 I'd now like to hand the conference over to Mackenzie Jackson, Corporate Secretary. 00:00:35.431 -- 00:00:37.772 Please go ahead. 00:00:38.036 -- 00:00:42.425 Thank you, Liz. Good morning, everyone, and welcome to our first quarter 2026 earnings 00:00:42.425 -- 00:00:47.596 conference call. With me today are Jim Donnelly, our President and CEO, and John McCaffrey, 00:00:47.596 -- 00:00:52.292 our CFO. The press release we issued earlier this morning together with the presentation 00:00:52.292 -- 00:00:56.536 material that accompanies our remarks are available on the investor relations section 00:00:56.536 -- 00:01:01.741 of our webpage. Comments made by any participant on today's call may include forward-looking 00:01:01.741 -- 00:01:06.525 statements. These statements are subject to various risks and uncertainties and other 00:01:06.525 -- 00:01:11.690 factors that are difficult to predict. Actual results may differ materially from those 00:01:11.690 -- 00:01:17.183 expressed or implied, and we assume no obligation to up...