Old Second Bancorp, Inc. (OSBC) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.358 Good morning, everyone, and thank you for joining us today for Old Second Bancorp, Inc.' 00:00:04.358 -- 00:00:09.626 's first quarter 2026 earnings call. On the call today are Jim 00:00:09.626 -- 00:00:15.434 Ecker, the company's chairman, president, and CEO, Brad Adams, the company's COO 00:00:15.434 -- 00:00:20.482 and CFO, Darren Campbell, the company's head of national specialty lending, and 00:00:20.482 -- 00:00:23.847 Gary Collins, the vice chairman of our board. 00:00:23.847 -- 00:00:28.414 I will start with a reminder that Old Second's comments today will contain forward-looking 00:00:28.414 -- 00:00:33.517 statements about the company's business, strategies, and prospects, which are 00:00:33.517 -- 00:00:39.142 based on management's existing expectations in the current economic environment. 00:00:39.142 -- 00:00:44.127 These statements are not a guarantee of future performance, and results may differ materially 00:00:44.127 -- 00:00:49.432 from those projected. Management would ask you to refer to the company's SEC 00:00:49.432 -- 00:00:53.796 filings for a full discussion of the company's risk factors. 00:00:53.796 -- 00:00:58.705 The company does not undertake any duty to update such forward-looking statements. 00:00:58.705 -- 00:01:04.092 On today's call, we will also be discussing certain non-GAAP financial measures. 00:01:04.092 -- 00:01:08.879 These non-GAAP measures are described and reconciled to their GAAP counterparts in our 00:01:08.879 -- 00:01:14.626 earnings release, which is available on our website at oldsecond.com 00:01:14.626 -- 00:01:18.131 on the homepage under the Investor Relations tab. 00:01:18.131 -- 00:01:22.054 Now I will turn it over to Jim Ecker. 00:01:22.056 -- 00:01:24.420 Hey, good morning, ...