FB Financial Corporation (FBK) Q2 2026 Earnings Call

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WEBVTT 00:00:00.976 -- 00:00:05.839 Good morning, everyone, and welcome to the FB Financial Corporation's second quarter 00:00:05.839 -- 00:00:09.341 2026 earnings conference call. 00:00:09.341 -- 00:00:13.083 At this time, all participants are in a listen-only mode. 00:00:13.083 -- 00:00:17.425 Following the prepared remarks, we will open the call to questions. 00:00:17.425 -- 00:00:21.547 Please note that today's conference call is being recorded. 00:00:21.968 -- 00:00:27.451 At this time, I would like to turn the call over to Rachel Doresky, Financial Management 00:00:27.451 -- 00:00:32.253 Associate for FB Financial. Please go ahead. 00:00:32.262 -- 00:00:37.585 Thank you and good morning, everyone. We appreciate you joining us today for FB Financial's 00:00:37.585 -- 00:00:40.586 second quarter 2026 earnings conference call. 00:00:40.586 -- 00:00:45.128 Joining me on the call this morning is Chris Holmes, President and Chief Executive Officer, 00:00:45.128 -- 00:00:48.730 and Michael Mettee, Chief Financial and Operating Officer. 00:00:48.730 -- 00:00:53.092 Before we begin, I'd like to remind listeners that during today's call, management may 00:00:53.092 -- 00:00:57.831 make forward-looking statements regarding the company's plans, expectations, and outlook. 00:00:57.831 -- 00:01:01.734 These statements are subject to risks and uncertainties, and actual results may differ 00:01:01.734 -- 00:01:04.236 materially from those discussed. 00:01:04.236 -- 00:01:08.339 Additional information regarding these risks and uncertainties, including risk factors 00:01:08.339 -- 00:01:12.663 that could cause actual results to differ, can be found in our earnings release, our 00:01:12.663 -- 00:01:17.587 most recent annual report on Form 10-K, and our subsequent filings with th...