Bank OZK (OZK) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.773 -- 00:00:06.061 Good day, and thank you for standing by. Welcome to BankOZK fourth quarter 00:00:06.061 -- 00:00:09.486 and full year 2025 earnings conference call. 00:00:09.486 -- 00:00:12.430 At this time, all participants are in listening mode. 00:00:12.430 -- 00:00:16.135 After the speaker's presentation, there will be a question and answer session. 00:00:16.135 -- 00:00:21.122 To ask a question during the session, you will need to press star 1-1 on your telephone. 00:00:21.122 -- 00:00:24.828 You will then hear an automated message advising your hand is raised. 00:00:24.828 -- 00:00:27.371 To withdraw your question, please press star 1-1 again. 00:00:27.371 -- 00:00:31.486 Please be advised that today's conference is being recorded. 00:00:31.486 -- 00:00:35.151 I would now like to hand the conference over to your speaker today, Jay Staley, Managing 00:00:35.151 -- 00:00:37.354 Director of Investor Relations and Corporate Development. 00:00:37.354 -- 00:00:39.855 Please go ahead. 00:00:40.058 -- 00:00:44.264 Good morning. I'm Jay Staley, Managing Director of Investor Relations and Corporate Development 00:00:44.264 -- 00:00:45.806 for BankoZK. 00:00:45.806 -- 00:00:49.591 Thank you for joining our call this morning and participating in our question and answer 00:00:49.591 -- 00:00:55.199 session. In today's Q&A session, we may make forward-looking statements about our expectations, 00:00:55.199 -- 00:01:00.111 estimates, and outlook for the future. Please refer to our earnings release, management 00:01:00.111 -- 00:01:04.077 comments, financial supplement, and other public filings for more information on the 00:01:04.077 -- 00:01:09.245 various factors and risks that may cause actual results or outcomes to vary from those 00:01:09.245 -- 00:01...