Old National Bancorp (ONB) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.338 Welcome to the Old National Bancorp third quarter 2025 earnings conference 00:00:05.338 -- 00:00:10.445 call. This line is being recorded and has been made accessible to 00:00:10.445 -- 00:00:15.031 the public in accordance with the SEC's regulation FD. 00:00:15.031 -- 00:00:20.458 Corresponding presentation slides can be found on the investor relations page 00:00:20.458 -- 00:00:22.701 at oldnational.com 00:00:22.701 -- 00:00:28.068 and will be archived there for 12 months. Management would like to remind everyone 00:00:28.068 -- 00:00:33.073 that that certain statements on today's call may be forward-looking in nature 00:00:33.073 -- 00:00:38.159 and are subject to certain risks, uncertainties and other factors that could cause 00:00:38.159 -- 00:00:42.764 actual results or outcomes to differ from those discussed. 00:00:42.764 -- 00:00:47.910 The company refers you to its forward-looking statement legend in the earnings release 00:00:47.910 -- 00:00:53.437 and presentation slides. The company's risk factors are fully disclosed and discussed 00:00:53.437 -- 00:00:58.919 within its SEC filings. In addition, certain slides contain Non-GAAP 00:00:58.919 -- 00:01:03.986 measures with management's beliefs provide more appropriate comparisons. 00:01:03.986 -- 00:01:09.734 These non-GAAP measures are intended to assist investors' understanding of performance 00:01:09.734 -- 00:01:14.781 trends. Reconciliations for these numbers are contained in the appendix of 00:01:14.781 -- 00:01:16.303 the presentation. 00:01:16.303 -- 00:01:21.391 I would now like to turn the call over to Oath Nation's Chairman and CEO, 00:01:21.391 -- 00:01:25.503 Jim Ryan, for opening remarks. Mr. Ryan? 00:01:25.503 -- 00:01:30.529 Good morning. Earlier today, Old ...