First Financial Bank (FFBC) is a public company. First Financial Bank has been in the business of client service and success for more than 150 years. With more than 130 banking centers across Ohio, Indiana, Kentucky, Illinois and Michigan, we combine world-class financial expertise with personal community service that builds lifelong relationships. Founded in 1863. It has 2,506 employees.

Transcript

Operator

Hello, everyone. Thank you for joining us, and welcome to the First Financial Bancorp second quarter 2026 earnings conference call and webcast. After today's prepared remarks, we will host a question and answer session. If you would like to ask a question, please press star one to raise your hand. To withdraw your question, press star one again. I will now hand the conference over to Scott Crawley, Corporate Controller. Scott, please go ahead.

Scott Crawley — Corporate Controller

Thank you, Leah. Good morning, everyone. Thank you for joining us on today's conference call to discuss First Financial Bancorp's second quarter financial results. Participating on today's call will be Archie Brown, President and Chief Executive Officer; Jamie Anderson, Chief Financial Officer; and Bill Harrod, Chief Credit Officer. Both the press release we issued yesterday and the accompanying slide presentation are available on our website at www.bankatfirst.com under the investor relations section. We will make reference to the slides contained in the accompanying presentation during today's call. Additionally, please refer to the forward-looking statement disclosure contained in the second quarter 2026 earnings release, as well as our SEC filings for a full discussion of the company's risk factors. The information we will provide today is accurate as of June 30th, 2026. We will not be updating any forward-looking statements to reflect facts or circumstances after this call. I will now turn the call over to Archie Brown.

Archie Brown — President and CEO

Thanks, Scott. Good morning, everyone. Thank you for joining us on today's call. With second quarter earnings and the Finward announcement, we have a lot to cover, so the format of our call will be a little different today. Our plan for today's remarks is that I will start with my summary of the quarter, then turn over to Jamie, who will add his comments on the financial results. After Jamie is finished, I will provide thoughts on our third quarter