Banc of California, Inc. (BANC) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.738 Hello, and welcome to Bank of California's Third Quarter Earnings Conference Call. 00:00:05.738 -- 00:00:09.963 If you need operator assistance, please press star then zero. 00:00:09.963 -- 00:00:15.089 I'll now turn it over to Anne DeVries, Head of Investor Relations at Bank of California. 00:00:15.089 -- 00:00:17.650 Please go ahead. 00:00:17.833 -- 00:00:22.118 Good morning, and thank you for joining Bank of California's Third Quarter Earnings Call. 00:00:22.118 -- 00:00:26.383 Today's call is being recorded, and a copy of the recording will be available later today 00:00:26.383 -- 00:00:31.695 on our Investor Relations website. Today's presentation will also include non-GAAP measures. 00:00:31.695 -- 00:00:36.240 The reconciliations for these measures and additional required information is available 00:00:36.240 -- 00:00:40.385 in the earnings press release and earnings presentation, which are available on our investor 00:00:40.385 -- 00:00:45.050 relations website. Before we begin, we would also like to remind everyone that today's 00:00:45.050 -- 00:00:49.354 call may include forward-looking statements, including statements about our targets, 00:00:49.354 -- 00:00:54.920 goals, strategies, and outlook for 2025 and beyond, which are subject to risks, uncertainties, 00:00:54.920 -- 00:00:58.987 and other factors outside of our control. and actual results may differ materially. 00:00:58.987 -- 00:01:03.633 For discussion of some of the risks that could affect our results, please see our safe 00:01:03.633 -- 00:01:07.497 harbor statement on forward-looking statements included in both the earnings release 00:01:07.497 -- 00:01:11.743 and the earnings presentation, as well as the risk factor section of our most recent 00:01:11.743 ...