Scott A. Kingsley: Good morning. Thank you for joining us for this earnings call covering NBT Bancorp's Second Quarter 2025 results. I would like to extend a special welcome today to our newest investors who joined us in May with the Evans Bancorp merger. With me today are Annette Burns, NBT's Chief Financial Officer; Joe Stagliano, President of NBT Bank; and Joe Ondesko, our Treasurer. Our operating performance for the second quarter reflected the positive attributes of productive asset repricing trends, the diversification of our revenue streams, prudent balance sheet growth, and the additive impact of our recently completed merger with Evans Bancorp. Operating return on assets was 1.19% for the second quarter with a return on equity of 10.5% and ROTCE of 15.25%.