Banc of California, Inc. (BANC) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.155 factors outside of our control, and actual results may differ materially. 00:00:04.155 -- 00:00:08.159 For discussion of some of the risks that could affect our results, please see our Safe 00:00:08.159 -- 00:00:11.742 Harbor Statement on forward-looking statements included in both the earnings release 00:00:11.742 -- 00:00:16.547 and the earnings presentation, as well as the risk factors section of our most recent 00:00:16.547 -- 00:00:22.012 10-K. Joining me on today's call are Jared Wolf, Chairman and Chief Executive Officer, 00:00:22.012 -- 00:00:26.377 and Joe Cowder, Chief Financial Officer. After our prepared remarks, we will be taking 00:00:26.377 -- 00:00:30.329 questions from the analyst community. I would like to now turn the conference call over 00:00:30.329 -- 00:00:32.449 to Jared. 00:00:32.992 -- 00:00:36.637 Thanks, Anne, and good morning, everyone. 00:00:36.637 -- 00:00:40.863 I have a prepared script here, but let me go off script for a minute. 00:00:40.863 -- 00:00:44.087 This was a really great quarter and end to the year. 00:00:44.087 -- 00:00:46.831 I really couldn't be more pleased 00:00:46.831 -- 00:00:52.058 with the execution of our team, and as you all know, we spent 2024 integrating the merger 00:00:52.058 -- 00:00:55.703 that was completed at the end of 23, and so 2025 00:00:55.703 -- 00:01:00.843 was supposed to be business as usual for Well, in my view, there really was nothing usual 00:01:00.843 -- 00:01:02.986 about what we did in 2025. 00:01:02.986 -- 00:01:07.373 It really represented very strong performance by our teams on both sides of the balance 00:01:07.373 -- 00:01:12.441 sheet. Solid credit management, great expense controls, 00:01:12.441 -- 00:01:17.048 and we did a great job bringing new ...