Pinnacle Bancshares Inc (PCLB) Q2 2025 Earnings Call

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WEBVTT 00:00:00.000 -- 00:00:05.200 Good morning everyone and welcome to the Pinnacle Financial Partners second quarter 2025 00:00:05.200 -- 00:00:07.880 earnings conference call. 00:00:07.880 -- 00:00:11.020 Hosting the call today from Pinnacle Financial Partners is Mr. 00:00:11.020 -- 00:00:13.860 Terry Turner, Chief Executive Officer, and Mr. 00:00:13.860 -- 00:00:17.340 Harold Carpenter, Chief Financial Officer. 00:00:17.380 -- 00:00:20.940 Please note Pinnacle's earnings release and this morning's presentation are available 00:00:20.940 -- 00:00:25.740 on the investor relations page of their website at .pnfp.com. 00:00:27.060 -- 00:00:31.480 Today's call is being recorded and will be available for replay on Pinnacle Financial's 00:00:31.480 -- 00:00:34.780 website for the next 90 days. 00:00:34.900 -- 00:00:39.080 At this time all participants have been placed on a listen-only mode. 00:00:39.080 -- 00:00:42.820 The floor will be open for your questions following the presentation. 00:00:42.820 -- 00:00:48.080 If you'd like to ask a question at that time, please press star 1 on your touch-tone 00:00:48.080 -- 00:00:49.760 phone. 00:00:49.760 -- 00:00:52.540 Analysts will be given preference during the Q&A. 00:00:52.540 -- 00:00:57.360 We do ask that you please pick up your handset to allow optimal sound quality. 00:00:57.360 -- 00:01:02.740 During this presentation we may make comments which may constitute forward-looking statements. 00:01:02.980 -- 00:01:06.780 All forward-looking statements are subject to risks, uncertainties, and other facts that 00:01:06.780 -- 00:01:10.840 may cause the actual results, performance, or achievements of Pinnacle Financial to differ 00:01:10.840 -- 00:01:14.700 materially from any results expressed or implied by such forward-look...