Bank OZK (OZK) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.198 Good day and thank you for standing by. Welcome to the Bank OZK 3rd 00:00:05.198 -- 00:00:07.461 Quarter 2025 Earnings 00:00:07.461 -- 00:00:12.508 Conference Call. At this time, all participants are in a listen-only mode. 00:00:12.508 -- 00:00:16.413 After the speaker's presentation, there will be a question and answer session. 00:00:16.413 -- 00:00:22.302 To ask a question during the session, you will need to press star 1-1 on your telephone. 00:00:22.302 -- 00:00:26.153 You will then hear an automated message advising your hand is raised. 00:00:26.153 -- 00:00:31.521 To withdraw your question, please press star 11 again. 00:00:31.521 -- 00:00:34.585 Please be advised that today's conference is being recorded. 00:00:34.585 -- 00:00:40.214 I would now like to hand the conference over to your speaker today, Jay Staley, 00:00:40.214 -- 00:00:45.602 Managing Director of Investor Relations and Corporate Development at BankOZK. 00:00:45.602 -- 00:00:47.845 Please go ahead. 00:00:47.845 -- 00:00:51.651 Good morning. I'm Jay Staley, Managing Director of Investor Relations and Corporate Development 00:00:51.651 -- 00:00:55.642 for BankOZK. Thank you for joining our call this morning and participating in our question 00:00:55.642 -- 00:01:00.307 and answer session. In today's Q&A session, we may make forward-looking statements about 00:01:00.307 -- 00:01:03.772 our expectations, estimates, and outlook for the future. 00:01:03.772 -- 00:01:07.576 Please refer to our earnings release, management comments, financial supplement, and 00:01:07.576 -- 00:01:12.182 other public filings for more information on the various factors and risks that may cause 00:01:12.182 -- 00:01:17.489 actual results or outcomes to vary from those projected in or impl...