Flagstar Bank, N.A. (FLG) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.135 Hello, and thank you for standing by. My name is Regina, and I will be your conference 00:00:04.135 -- 00:00:08.639 operator today. At this time, I would like to welcome everyone to the Black Star Bank 00:00:08.639 -- 00:00:12.383 first quarter 2026 earnings conference call. 00:00:12.383 -- 00:00:16.547 All lines have been placed on mute to prevent any background noise. 00:00:16.547 -- 00:00:19.810 After the speaker's remarks, there will be a question and answer session. 00:00:19.810 -- 00:00:24.695 If you'd like to ask a question during this time, simply press star, then the number 00:00:24.695 -- 00:00:30.001 one on your telephone keypad. To withdraw your question, press star one again. 00:00:30.001 -- 00:00:35.407 I would now like to turn the conference over to Sal DiMartino, Director of Investor Relations. 00:00:35.407 -- 00:00:37.808 Please go ahead. 00:00:38.671 -- 00:00:40.973 Thank you, Regina, and good morning, everyone. 00:00:40.973 -- 00:00:45.178 Welcome to Flagstar Bank's first quarter 2026 earnings 00:00:45.178 -- 00:00:50.484 call. This morning, our Chairman, President, and CEO, Joseph Otting, 00:00:50.484 -- 00:00:55.410 along with the company's Senior Executive Vice President and Chief Financial Officer, 00:00:55.410 -- 00:00:59.482 Lee Smith, will discuss our results for the quarter. 00:00:59.482 -- 00:01:04.047 During the call, we will be referring to a presentation which provides additional detail 00:01:04.047 -- 00:01:07.351 on our quarterly results and operating performance. 00:01:07.351 -- 00:01:12.057 Both the earnings presentation and the press release can be found on the investor relations 00:01:12.057 -- 00:01:14.740 section of our company website, 00:01:14.740 -- 00:01:16.740 ir.flagstar.com. 00:01:17.92...