Good morning, and thanks for joining us for Fulton Financial's conference call and webcast to discuss our earnings for the second quarter of 2022. Your host for today's conference call is Phil Wenger, Chairman and Chief Executive Officer. Joining Phil are Kurt Myers, President and Chief Operating Officer, and Mark McCollom, Chief Financial Officer. Our comments today will refer to the financial information and related slide presentation included with our earnings announcement, which we released yesterday afternoon. These documents can be found on our website at fulton.com by clicking on Investor Relations and then on News. The slides can also be found on the Presentations page under Investor Relations on our website. On this call, representatives of Fulton may make forward-looking statements with respect to Fulton's financial condition, results of operations, and business. These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors. Actual results could differ materially. Please refer to the Safe Harbor statement on forward-looking statements in our earnings release and on slide two of today's presentation for additional information regarding these risks, uncertainties and other factors. Fulton undertakes no obligation other than as required by law to update or revise any forward-looking statements. In discussing Fulton's performance, various representatives of Fulton may refer to certain non-GAAP financial measures. Please refer to the supplemental financial information included with Fulton's earnings announcement released yesterday, as well as slides 10 through 12 of today's presentation for a reconciliation of those non-GAAP financial measures to the most comparable GAAP measures. Now I'd like to turn the call over to your host, Phil Wenger. Thanks, Matt. Good morning, everyone. As usual, I'll share a brief overview of the quarter's highlights. Then Kurt will discuss our business performance, and Mark will share the details of our financial performance. Then we'll be happy to take your questions. The second quarter of 2022 was a good one for Fulton, and we were pleased with our performance. Our earnings per share of 0.42 was an increase of 0.04 over the previous quarter. Several factors helped drive performance. We saw very strong loan growth. Our net interest income benefited from rising interest rates. Overall fee income was solid, and asset quality remained relatively stable, despite a more cautious outlook. In April, Fulton released the company's first corporate social responsibility report. This comprehensive report illustrates how our purpose-driven company provides an exceptional banking experience for our customers while strengthening the communities we serve. In June, Fulton Bank announced upcoming changes to our overdraft program and fee schedule. In the fourth quarter of 2022, Fulton Bank will eliminate non-sufficient funds fees and extended overdraft fees for consumer customers. As of July 1, I am pleased to report that we completed the acquisition of Prudential Bancorp, Inc. in just under four months after our announcement. Later this year, we expect the bank conversion to occur and Prudential Bank and its customers will be merged into Fulton Bank. Many of our team members have been working to ensure that the transition to Fulton Bank is a smooth one for Prudential Bank customers and employees. As part of this acquisition in early July, Fulton made a $2 million contribution to the Fulton Forward Foundation, and this contribution will provide impact gifts to nonprofit organizations in Philadelphia that are focused on advancing economic empowerment, particularly in underserved communities. With the Prudential Bancorp acquisition completed, we have doubled our loan portfolio and expanded our deposit base four-fold in the Philadelphia market. Looking ahead, with our $75 million share repurchase authorization in place and the closing of the Prudential Bancorp acquisition now complete, we can consider repurchasing shares later in the year if it makes financial sense to do so. Now, Kurt will take a closer look at the details of our business results. Kurt? Thank you, Phil, and good morning. We were very pleased with our performance for the second quarter, so let me share some additional detail on several key areas. Loan growth was very strong for the quarter due to solid originations in both our commercial and consumer businesses. We also experienced slower prepayments in residential mortgage lending. Total loan growth, excluding PPP loans, was approximately 537 million or about 11.6% annualized, and was spread throughout most loan categories and products. As a reminder, all of the loan and deposit growth numbers I will be referencing are annualized numbers on a linked quarter basis. Starting with commercial lending, we had another solid quarter where commercial loans grew 225 million or 7.2%. C&I loan growth accelerated, increasing 106 million or 10.6% versus 8.1% the first quarter and 5.5% compared to the prior year period. Increased originations largely drove this growth. Commercial line utilization ended the quarter at 22%, flat with the prior quarter, and represents additional growth potential in future periods. As a reminder, commercial line utilization as of the first quarter of 2020 was 32%, representing a $530 million opportunity should line utilization revert to pre-pandemic levels at some point in the future. During the quarter, commercial mortgages rebounded from a flat quarter in the first quarter, growing 128 million or 7%, driven by strong originations and migration from construction to permanent loans. Commercial mortgage growth did impact commercial construction balances, which declined 79 million during the quarter. Even with strong originations during the quarter, the commercial pipeline grew nicely and is now at or above recent levels. Turning to our consumer and small business lending, loan balances grew 281 million or 18.9%. Residential mortgage growth for the quarter was 257 million or 26% linked quarter. With the rise in interest rates, we saw a shift from fixed rate saleable mortgages to on-balance sheet adjustable rate originations. In addition, we experienced a slowing in residential mortgage loan prepayments. As I mentioned in the past several quarters, our fintech partnership for student loan refinance business continues to progress nicely with 28 million of originations in the quarter. This portfolio now exceeds 50 million in balances and gives us access to an attractive customer segment. Lastly, our consumer indirect business grew 22 million or 23% from both adding new dealer customers and increased consumer spending. Overall, we are very pleased with the depth and breadth of our loan growth this quarter. Turning to deposits on an ending balance basis, we saw a decline in total deposits for the quarter. This decline was driven by decreases in wholesale, time, and other interest-bearing deposit products. Non-interest-bearing deposits, which represent a third of our total deposit base, remained flat linked quarter. These broad-based declines were in some cases seasonal, but were also driven in part by our disciplined pricing strategy. Recently, we have started to selectively raise deposit rates to both retain and grow our deposit customers. For the quarter, total deposit balances declined 397 million or 7.4%. Moving to our fee income businesses, we were pleased with our overall performance. The diversification in our business lines has served us well, with certain business lines growing, offsetting the near-term challenges we face in businesses that are more sensitive to interest rates and market volatility. In our commercial line of business, total fees increased 4.4 million, up 27% versus the prior period, driven by sizable increases in capital markets, merchant activity fees, and our core cash management business. Capital markets fees, predominantly commercial loan interest rate swaps, were up 2.2 million versus the prior quarter, driven by both volume and size of transaction. As I noted in prior periods, capital markets fees are transactional in nature and are driven by the needs of our commercial customer base. Merchant fees were up 1.1 million or 23% linked quarter, driven by increases in gross sales volume. Cash management grew 634,000 or 11.7% linked quarter as we are starting to see increased activity and the impact of annual fee increases. In addition, we have managed earnings credit rates very effectively. Offsetting growth in the commercial business, wealth management fees declined 1.2 million or 5.9% linked quarter. Continued strong sales efforts, client retention, and our recurring fee revenue model helped buffer the impact of declines in the financial markets. At June 30, the market value of assets under management and administration declined to 12.6 billion or 8.7%, down less than the overall market. Turning to consumer and small business banking, most consumer fee categories grew nicely, offsetting declines in mortgage banking. Consumer fees from card and transaction accounts were up 717,000 or 4.6% linked quarter, largely due to increased customer activity. Offsetting consumer fees, mortgage banking revenue declined 808,000, driven by a 248,000 decline in gain on sale income. While gain on sale spreads widened, we saw lower loan sales due to the swing from fixed rate to adjustable rate products, which we chose to put on the balance sheet. Moving to credit, our performance this quarter was stable with net recoveries and only a modest provision for credit losses. With that being said, we are seeing modest increases in non-performing loans and delinquency. During the quarter, we had 3.7 million or eight basis points of annualized net recoveries compared to 1.1 million or two basis points of annualized net recoveries in the first quarter. Our second quarter provision for credit losses was 1.5 million versus a negative -7 million provision for the first quarter. This is the first quarter in which we recorded an increase in our allowance for credit losses out of the last five quarters, and was primarily driven by strong loan growth during the quarter. At June 30, the allowance for credit losses excluding PPP balances is 1.32% of loans. As always, our allowance for credit loss trends could change in future periods based on new loan origination volumes, loan mix, net charge-off activity and longer term economic projections. Overall, our credit performance remains stable. However, our credit outlook has turned more cautious due to macroeconomic environment. Now I'll turn the call over to Mark to discuss our financial results and outlook in a little more detail. Thank you, Kurt, and good morning to everyone on the call. Unless I note otherwise, the quarterly comparisons I will discuss are with the first quarter of 2022. Starting on slide three, earnings per diluted share this quarter were 0.42 on net income available to common shareholders of 67.4 million. This is up from 0.38 in the first quarter of 2022. Our second quarter performance included a sharp increase in net interest income and a modest increase in fee income for the quarter, offset by increases in the provision for credit losses as well as operating expenses, which I'll just cover in more detail later in my comments. Moving to slide four, our net interest income was 179 million, an $18 million increase linked quarter. This increase was a function of both very strong loan growth as well as the impact of rising interest rates during the quarter. With respect to our PPP program, during the second quarter, we saw these loans decrease by another 92 million, ending the quarter at only 72 million outstanding. Because the remaining impact to our financials is no longer material, this will be the last quarter in which we discuss this portfolio in our prepared remarks, but we will continue to show the portfolio separately in our financial tables for the balance of the year. With respect to the investment portfolio, balances declined modestly during the period, decreasing 171 million to end the quarter at 4.1 billion. Given our strong loan growth during the quarter, we opted to pare back on investment securities growth. Turning to deposits, total deposits declined approximately 397 million on an ending balance basis. Most of this decline was in interest-bearing demand products. On an average balance basis, total deposits increased 44 million for the quarter to 21.5 billion. Our cost of deposits for the quarter remained at 11 basis points, consistent with the prior quarter. We expect this to be at the bottom for deposit costs as we are starting to selectively increase interest rates for certain products and customer segments. Our ending loan to deposit ratio increased from 85.8% in the first quarter to 89.5% currently. Our net interest margin for the second quarter was 3.04% versus 2.78% in the first quarter. The 26 basis points of linked quarter increase resulted primarily from an improvement in the mix of interest-earning assets and asset-sensitive loan portfolio and stable deposit costs. Going forward, I would expect our net interest margin to expand with additional rate increases, but we will also be adjusting deposit costs during this period. Turning to slide six, noninterest income, I'll provide some additional detail on the business results Kurt discussed. Mortgage banking revenues declined and were driven by a decline in mortgage loan sales, offset in part by an increase in gain on sales spreads, which rose to 190 basis points this quarter versus 161 basis points during the first quarter. Our pipeline in this business has declined to pre-COVID levels, and only 6% of our mortgage originations this past quarter were for refinancings. Prepayments have also slowed considerably, which has contributed to the quarterly loan growth we saw in this category. In June, we also announced some changes to our overdraft products and services. These changes will be effective in the fourth quarter of 2022. They are not expected to have a material impact to 2022 results, less than $1 million, and this reduction is reflected in the refreshed 2022 guidance provided at the end of my comments. Moving to slide seven, noninterest expenses, excluding merger-related charges, were approximately 149 million in the second quarter, up 3.1 million linked quarter. This increase was driven by the following factors. Total salaries and benefits were up 1 million linked quarter, driven by annual merit increases in the month of April and one additional calendar day during the quarter. Also contributing to the linked quarter increase in expenses were higher outside services costs due to the timing of certain technology projects in the second quarter, resulting in a $600,000 increase. Lastly, a $2.2 million increase in other expenses that was primarily due to lower real estate-related gains on sale, an increase in certain state tax assessments, and an additional calendar day during the quarter. Slide eight provides more detail on our capital ratios. As of June thirtieth, we maintained solid cushions over the regulatory minimums, and our bank and parent company liquidity remain very strong. Accumulated other comprehensive income decreased $145 million during the quarter. This impacted our tangible common equity ratio as well as tangible book value per share by 40 basis points and $1.25 per share respectively, offset by strong net retained earnings. During the quarter, we did not repurchase any shares, and as Phil mentioned, our board approved another $75 million share repurchase authorization expiring at the end of the year. On slide 9, we are providing updated guidance for 2022. Our guidance now assumes a total of 275 basis points of Fed funds increases occurring as follows. The 150 basis points previously announced in March, May and June. 75 basis points assumed in July, and 25 basis points increases assumed in both September and December. Our revised guidance also includes the impact of our Prudential Bancorp acquisition, which closed on July first. Based on those assumptions, our revised guidance is as follows. We expect our net interest income to be in the range of 745 million-760 million. We expect our non-interest income, excluding securities gains, to be in the range of 220 million-230 million. We expect our non-interest expenses to be in the range of 600 million-610 million for the year. Note that this operating expense guidance excludes the impact of $1.4 million in merger related charges through June related to the Prudential Bancorp acquisition. We expect total one-time merger related charges of 17 million-18 million for this acquisition, or approximately another 16 million of merger expenses occurring in the second half of 2022. Lastly, we expect our effective tax rate to be in the range of 18% ± for the year. Many of you also look at pre-provision net revenue or PPNR as a key metric to assess the profitability of core operations. Our version of this metric is included in the financial tables of our press release. PPNR has increased 18% year-over-year and 24% linked-quarter as a result of our 2021 balance sheet restructuring, earning asset growth over the past year, and core margin expansion from our asset-sensitive balance sheet. With that, I'll turn the call over to the operator for questions. Gigi, can you help us, please? As a reminder, to ask a question, you will need to press star one on your telephone. Please stand by while we compile the Q&A roster. Our first question comes from the line of Daniel Tamayo from Raymond James. Morning, everyone. Your line is now open. Morning, Daniel. Good morning, Daniel. Hey, good morning, everybody. Maybe first, just starting on the net interest income guidance, seeing if we can perhaps break away the differences between kind of what excess liquidity, I guess, where that is now, how much the deployment of that is embedded in the guidance, relative to just kind of asset sensitivity from rate hikes. Also on the deposit side, what you guys are assuming in terms of either betas or costs. Yeah. Daniel, first on, you know, excess liquidity. I would say our liquidity actually this quarter, you know, with holding the line on deposit costs as we did, and with the strong loan growth that we had, you know, we're really, you know, down to a comfortable level of excess liquidity. I would say that in that guide, what you're really seeing there is just the impact of the additional interest rates we've assumed in the back half of the year. Then remind me on your second question. Deposit betas. Deposit betas. Yes. Yes. Yeah. Thank you. Deposit betas. Obviously year to date, we've had zero. You know, if you take our interest rate assumptions and if you take that NII guide, you know, we had said earlier that we expect through the cycle, you know, we expect our overall deposit beta to be in the 30% range. When you look, you know, just for the stub during this period where you don't, you know, typically we calculate betas a full 12 months out after the last rate increase. You know, so if you look at what we expect that beta to be, you know, just for this year, we would expect it to be more in the 15%-20% range by the end of the year. That's offset by a loan beta, you know, that is forecasted to be in the low forties. Okay. All right. Terrific. That's really helpful. Then changing gears here a little bit to the loan growth side. You know, I'm interested in, you know, your thoughts on there's a lot going on with residential mortgages and mortgage banking with the increase in rates. Just your thoughts on where you're comfortable taking the residential mortgage portfolio as a percentage of the overall portfolio. Then, you know, if in your mind, once that level is reached, if it's somewhat near, that could then add to mortgage banking, given you're already kind of trending towards a level you haven't seen on a, from a mortgage banking perspective in quite a while. Yeah, Daniel. On the mix, I think we do have room to continue to grow that portfolio, and we're comfortable with the mix increasing somewhat. Short term, we don't think that'll impact what we're willing to put on the balance sheet. Really what we saw in the second quarter was the customer demand shifting from long-term fixed rates to adjustable rate mortgage. That's really what accelerated it in the quarter. As we look forward, we think residential mortgage growth will moderate from what we saw in the second quarter. Okay. Terrific. All right. I'll step back. Thanks for answering my questions. Beautiful. Thanks, Dan. Thank you. Our next question comes from the line of Russell Gunther from D.A. Davidson. Morning, guys. Morning, Russell. Morning, Russell. Good morning. Just a quick follow-up on the growth outlook. If you guys, you know, really strong results first half of the year and building momentum into 2Q. I hear you on the expectations for resi. Can you comment though on just overall organic growth expectations for the back half of the year and any expectations for, you know, a potential slowdown from the momentum you've shown in the first half? Yes, we did have a really strong quarter and really strong first half. On the consumer side of the business, as rates move up, you know, that will impact demand. So I think there is potential for consumer to slow down as rates go up. We feel good about the businesses and the backlogs and activity that we have right now. But I think that's a macroeconomic environment that we're worried about as those rates go up. On the commercial side, you know, our pipeline remains strong. We're adding to our team. We had growth in every area geographically of the company. We expect consistent origination performance in the back half in commercial banking. Okay. That's really helpful. Thinking about funding the growth from a deposit perspective, you know, you mentioned some seasonality that we saw this quarter, and I think we get some again in 3Q. Also, the recent rising of rates to retain and grow balances. Would you expect to be able to continue to fund the growth outlook with deposits? How would you expect that loan-to-deposit ratio to trend going forward? Yeah, I do, Russell. You know, in the third quarter, as you point out, I mean, we do have typical seasonality. We have 2.2 billion of municipal deposits on the books as of June. You know, those have a blended cost of around six basis points. I mean, our municipal book is a little bit more core than maybe how some people view municipal deposits, but there will be some tax rolls coming in here in the third quarter. You know, so, you know, but on top of that, I mean, again, we are going to see a full quarter impact of the rate increases that we saw in June, you know, plus the rate increases occurring in July. you know, that now gives us room and we are starting to, you know, look at, you know, the customers that we want to retain, and we have a lot of long-term depositors that, you know, we're going to be increasing rates for here in the third quarter, so that we can continue to retain and grow that book and continue to fund ourselves organically. All right. Great. Thanks, Mark. Then just switching gears, last question here just on M and A. With the recent deal closed and integration coming shortly, just an update in terms of your appetite for M and A going forward and whether any macro concerns have diminished that at all in the near term. We would still be interested in strategic acquisitions within our footprint. I think things have slowed down considerably, but we would be interested. Okay, great. Thanks, Phil. I'll step back. Thanks, guys, for taking my questions. Thanks. Thanks, Russell. Thank you. Our next question comes to the line of Frank Schiraldi from Piper Sandler. It's actually Justin Crowley on for Frank this morning. Just to follow up again sort of on the growth discussion, on the hiring side, I think you mentioned last quarter about adding some teams, in D.C. as well as Southeast P.A. I was wondering if you could talk about sort of the traction you're seeing there and then some of the more hiring you're doing and, you know, how that factors into the outlook going into the back half of the year. Yeah. We are always recruiting and want to hire and pull teams into the organization as much as we can. In the quarter, we added the Southeast PA, and we actually added a team in Northern Virginia. There's the teams that we added, but we added ten commercial bankers throughout the footprint, as well. I think last quarter, we were up 11 individuals. That is a constant. We're very focused on organic growth, and that is a critical way to do it in commercial banking. We are always recruiting and looking to add talent. Okay, great. We are always recruiting and looking to add talent. Okay, great. Then just on line utilization rates, you know, you talked about those staying flat. You know, is there anything you are seeing? You talked about the opportunity, should that sort of reach where you guys run historically, you know, is there anything you're seeing or hearing, that you know, would bring you to expect that to start to pick up, you know, as we head into the third quarter? We monitor it. You know, it flattened out. We got a little bit of growth first quarter based on line utilization, and then linked quarter, you know, was relatively flat. We do think that will increase over time, as liquidity comes out of the system as, you know, customers are going to use their liquidity first. We're going to see that natural pull between deposit balances and line utilization. We're navigating that, but we do expect slow and steady increase in line utilization. Okay, great. That's helpful. Just sort of lastly for me, just on capital, and coming out of the Prudential deal close, you know, on repurchases, can you just sort of remind us, you know, how you weigh, you know, sort of how active you plan to be, you know, whether that's looking at capital levels or squaring that against, you know, what you're seeing from a loan growth perspective? Yeah. You know, the waterfall on capital, you know, for us is always organic growth first. You know, we're going to make sure we maintain, you know, healthy cushions on capital to be able to fund the customer growth that we have. If we have excess capital, you know, then we will, you know, certainly evaluate, you know, where the stock is trading and, you know, evaluate a buyback, you know, versus other forms of capital like inorganic growth and acquisition use, you know, whether that's for whole bank acquisitions or whether that's for, you know, some of the bolt-on wealth acquisitions that we've done over the years. Okay. Do the swings in AOCI, does that impact at all sort of your thinking on buybacks, or is that more just, you know, semantics? Well, I think that's a great question. You know, I guess I would throw that out to everyone on this call, you know, to sort of weigh in on that as well. You know, we have spoken with some of you, and we've spoken with Moody's, and we've spoken with some of the larger institutional investors. I think the general view on that is that this is an accounting issue, you know, and not an economic issue. You know, we're paying very close attention to that, you know, because we want to make sure that all constituencies feel as comfortable as we do on the strength of our balance sheet. Got it. That is it for me. Thank you guys for taking my questions. Thanks. Thank you. Our next question comes from the line of Chris McGratty from KBW. Hi, good morning. Morning, Chris. Hey, Mark, I want to start with, like, just an NII question. You know, we're all using, I think, a little bit different rate curves. Could you remind me the rule of thumb for each 25 on NII? The rule of thumb, you know, for 2022. This is just obviously for 2022. We'll be coming out with 2023 guidance, you know, in early 2023. Based on, you know, our current assumptions on deposit betas, the rule of thumb is between $1 million and $1.5 million a month for each 25. You know, so said another way, you know, we have 25 assumed in September. If you have 50 in your model, that'd mean it's in early September, that would be four months, so that'd be around $5 million additional to NII. Great. That's exactly what I was looking for. You referenced the service charge shifts that a lot of your competitors are also doing. You also mentioned that's mostly going to take effect at the end of the year. Maybe a question for, like, liftoff point, you know, in 4Q. Like, can you remind me what the total impact is? I think you said it was going to be 1 million this year, but looking to next year, just help with that service charge. Yeah. We don't give 2023 guidance until 2023. You know, again, we're giving the fourth quarter guidance, but you know, we're also offering some new, you know, products, you know, for customers that might change some consumer behavior. Till we really know that, you know, Chris, I mean, I'm not going to go beyond, you know, the fourth quarter guide that we give, which I said is less than $1 million and is reflected, you know, in the 220-230 overall fee income guide. Lastly on the share count, I have it in my notes, about 6 million shares from the deal for the third quarter? You got it, 6.2. Yep. Got it. Great. Thanks, Mark. Thank you. Our next question comes from the line of Casey Haire from Jefferies. Connolly on behalf of Casey Haire. You know, this is kind of touched upon, but obviously, you know, deposits down 2% at the end of the quarter. I saw cash business come down a little bit. Just in terms of the balance sheet, like for funding loan growth from here, will it come primarily from the securities portfolio? Do you have a level of cash that you're comfortable operating at going forward? Thanks. It would come from cash flows from the investment portfolio. You know, we do have a little bit of cash. We've historically, you know, in the industry for a long period of time, have not, you know, had any overnight borrowings. You know, so we have ample liquidity certainly, you know, through our securities book, you know, for borrowing capacity at the FHLB, as well. We also have a loan-to-deposit ratio, which while it has ticked up, you know, it is still below our historic loan-to-deposit ratio standards. You know, we feel very comfortable, you know, running it in the mid-90s. You know, we're still sitting below 90% today. Okay, great. Thanks for taking my question. You bet. Thanks. Thank you. Our next question comes from the line of Matthew Breese from Stephens. Hey, just curious, you know, thinking about the updated NII guide, 745 million-760 million, it feels safe to say that, you know, the 4Q, the exit NII run rate will be north of 200 million. I'm curious if, by your projections, is that exit NII closer to 200 million or 210? Maybe frame for us what kind of the annualized exit rate is in that fourth quarter. Yeah, you know, we just give annual guides, but you know, it, you know, I would tell you that, you know, your guess of between 200 and 210 is, you know, pretty well spot on. You know, I'll leave it there. Okay. Mark, maybe just provide for us, you know, what the incremental loan yield did today, what the blended rate on the portfolio, the pipeline is. Are there any areas where, you know, you're starting to see some spread compression? Just curious, you know, where you're seeing the most competition. Yeah, I'll take the first part of the question, then I'll turn it over to Kurt. You know, for loan yields, you know, we were 3.56% for the second quarter. You know, to give a sense though, you know, kind of where we are coming out of the quarter, we were 3.70% for the month of June. You know, and then that really, because our deposit cost stayed flat, you know, that really drove the margin expansion where, you know, our margin for the quarter was 3.04%, you know, our margin for the month of June was 3.19%. But then I'll turn to Kurt if he has any on the second half of your question. Yeah, just to add some color on the origination. I mean, we've remained very disciplined in our pricing. You know, we grew most loan categories for the quarter. It remains a competitive market, you know, but we're not giving on credit terms, and we're not going below what we're comfortable with on credit spread. Okay. You mentioned that the, you know, you're offering selectively promotional deposit rates. Curious, you know, what categories and what rates you're offering. If you could provide the June cost of funds too, that'd be helpful. Yeah, the June cost of funds? Yeah. The cost of deposits, sorry. Yeah. Was 11 basis points as well. Okay. That's basically constant. In terms of, you know, things that we're offering today, I mean, we're, you know, looking at individual pockets of customers and categories. One specific thing that we're launching right now is a three-year consumer CD at 2%. You know, we are going out with that, you know, to get a little bit ahead of, you know, where, you know, if the 75 basis points occurs in July, we'll be borrowing overnight north of 2% pretty soon. You know, that's one example of things that we're doing. Okay. My last one, just on the topic of credit. In your prepared remarks, a little bit more cautious language on the credit front, noting some slight deterioration. I was just curious where you're seeing that slight deterioration. I'll stop there. We had a modest uptick in delinquency. You know, that's a leading indicator, but again, we're at historically low levels of delinquency. That ticked up modestly. We had, you know, some increases in the nonperforming as well, in that was specifically in C&I. A few C&I accounts struggling with the things that are in the macroeconomic environment, whether it be supply chain or talent. You know, there's a handful of accounts struggling with that. It's really specific to those accounts, and we don't see anything on portfolio level in consumer or commercial at this point. Okay. Last one, just two portfolios that I'm paying a little bit more attention to are commercial real estate office and equipment. I was curious if you could provide a little bit of a color on those two and then exposures. Yeah. Well, you're spot on, focused on those. We're focused on those as well. In the equipment finance side, we really haven't seen any change or any increased risk in that portfolio at this point. On office, we're doing a lot of work on understanding office. We're specifically focused on investment real estate office. And we have about $560 million dollar portfolio. We've done a deep dive on all of those accounts. We have a weighted average loan-to-value of roughly 41% or 51%, and a very strong weighted average cash flow at this point. We're looking at, you know, lease terms and where emerging risk might occur. At this point, even that portfolio where we may expect some pressure, we're not seeing it, and we feel good about our portfolio. Okay. What was the equipment balance? Roughly 250-260 million. I was about to say 250. Okay. Yeah. Perfect. I appreciate you taking all my questions. Thank you. You bet. Thank you. Our next question comes from the line of Daniel Tamayo from Raymond James. Hey, guys. Just a quick follow-up here. Thanks for taking it. Just on reserves. You know, obviously we seem to be getting to a stable-ish point here, or a bottom. I was curious how you're thinking about the lever or the leverage, I guess, to any changes in economic forecasts or actual data in terms of unemployment, GDP and whatever else is driving those calculations for you guys. How much changes in those items could impact reserves and how quickly that could happen within the CECL era here. Yeah, Daniel Tamayo, that's going to go beyond the time of this call to talk about all of the nuances around the CECL calculation. You know, it's obviously a mix of you know, very you know, large, complex you know, macroeconomically driven models as well as you know, qualitative overlays where we look at things like you know, office right now and portfolios that we think have potentially higher risk. You know, should the macroeconomic environment you know, change significantly you know, that could have impact obviously on our levels of that we need to provide going forward. You know, macroeconomic factors tend to lag a little bit. They also, you know, tend to move a little bit more slowly, you know, than some of the stuff that's more specific to your own portfolio. Yeah. No, that's a good point. I mean, is it fair to say you think we've hit a bottom here, from a reserve ratio perspective? You know, I think that's hard, you know, really hard to say. You know, the one other thing I guess I would comment because you're asking about macroeconomic factors. I mean, the one thing that you know, that's interesting with where we are right now in the cycle is that normally, you know, when you start to see a downturn in credit, you're also in an environment then where rates are falling, and that puts pressure on bank earnings. You know, but here we're in an environment where, you know, we don't know, you know, if we're at, you know, sort of a trough in terms of credit and if non-performers are, you know, are going to go up or not. We're also in an environment where earnings, you know, the outlook for earnings for the near term is pretty good, you know, with respect to rates. Yeah, that's a good point. All right, well, I appreciate your insight there. That's all I had. Thanks, Daniel Tamayo. All right, thanks, Daniel Tamayo. Thank you. Our next question comes from the line of David Bishop from Hovde Group. How are you? Hey, David. Hey, David. Hey. Most of my questions have been asked and answered. I think in the preamble you might have noted a change in pricing on the commercial cash management with ECR. Was that the driver of some of the increase on the cash management side of the house on the fee side? Yeah, it was a component, just based on the second quarter. That's typically when we do our annual, you know, rate sheet changes for, cash management services. Within this quarter, that impact was felt. In your view, does that sort of bring you back up to the market, above market? Just curious sort of where you lie relative to peers. Yeah, I mean, we are competitive, you know, with our regional and the large competitors there. We feel that those fees, even with the increases, remain very competitive and allow us to continue to add customers and grow the customer base. Great. Appreciate you taking the question. Sure. Thank you. I would now like to turn the conference back over to Philip Wenger, Chairman and CEO, for closing remarks. Well, thank you again, everyone, for joining us today. This concludes today's conference. To be with us when we discuss third quarter results in October. This concludes today's conference call. Thank you for participating. You may now disconnect. The conference-