Greetings, ladies and gentlemen. Welcome to the Home Bancshares, Inc. Second Quarter 2025 Earnings Call. The purpose of this call is to discuss the information and data provided in the quarterly earnings release issued after the market closed yesterday. The company presenters will begin with prepared remarks, then entertain questions.

Core Yield on New Loans: Recent portfolio additions are yielding slightly below the 7.6% core yield reported for Q2 2025, as noted by Jason Estes. Expense Outlook: Projected Q3 total expenses of $10 million, split between $1 million in oil and gas and $9 million in other expenses, per Kelly Harris.

Westamerica Bancorp (WABC) on Thursday reported net income of $29.1 million in its second quarter. The San Rafael, California-based bank said it