Berkshire Hills Bancorp, Inc. (NYSE:BHLB) Q4 2024 Results Conference Call January 30, 2025 9:00 AM ET

Company Participants

Kevin Conn - Investor Relations
Nitin Mhatre - Chief Executive Officer
Sean Gray - Chief Operating Officer
Brett Brbovic - Chief Financial Officer
Greg Lindenmuth - Chief Risk Officer

Conference Call Participants

David Bishop - Hovde Group
Billy Young - RBC
Chris O'Connell - KBW
Laurie Hunsicker - Seaport Research Partners
Mark Fitzgibbon - Piper Sandler

Operator

Good morning, ladies and gentlemen, and welcome to the Berkshire Hills Bancorp Fourth Quarter 2024 Earnings Conference Call. At this time, all lines are in listen-only mode. Following the presentation, we will conduct a question-and-answer session. [Operator Instructions] This call is being recorded on January 30, 2025.

I would now like to turn the conference over to Kevin Conn, Investor Relations Officer. Please go ahead.

Kevin Conn

Good morning, and thank you for joining Berkshire Bank's fourth quarter earnings call. My name is Kevin Conn, Investor Relations and Corporate Development Officer. Here with me today are Nitin Mhatre, Chief Executive Officer; Sean Gray, Chief Operating Officer; Brett Brbovic, Chief Financial Officer; and Greg Lindenmuth, Chief Risk Officer.

Our remarks will include forward looking statements and refer to non-GAAP financial measures. Actual results could differ materially from those statements. Please see our legal disclosures on Page 2 and 3 of the earnings presentation referencing forward-looking statements and non-GAAP financial measures. A reconciliation of non-GAAP to GAAP measures is included in our news release.

At this time, I'll turn the call over to Nitin. Nitin?

Nitin Mhatre

Thank you, Kevin. Good morning, everyone, and thank you all for joining us today. I'll begin my comments on Slide 4, where you can see the highlights for the fourth quarter and for full year 2024. We had a strong quarter with robust improvement in the operating