Flagstar Bank, N.A. (FLG) Q2 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.594 Ladies and gentlemen, thank you for standing by. 00:00:02.594 -- 00:00:06.138 My name is Krista and I will be your conference operator today. 00:00:06.138 -- 00:00:11.165 At this time, I would like to welcome everyone to the Flagstaff Financial second quarter 00:00:11.165 -- 00:00:16.231 2025 earnings conference call. All lines have been placed on mute to 00:00:16.231 -- 00:00:20.796 prevent any background noise. After the speaker's remarks, there will be a question and 00:00:20.796 -- 00:00:26.183 answer session. If you would like to ask a question during this time, simply press star 00:00:26.183 -- 00:00:29.123 followed by the number one on your telephone keypad. 00:00:29.123 -- 00:00:32.347 And if you would like to withdraw that question, press star one again. 00:00:32.347 -- 00:00:37.574 Thank you. And I would now like to turn the conference over to Sal DiMartino, 00:00:37.574 -- 00:00:40.718 Director of Investor Relations. Sal, you may begin. 00:00:40.718 -- 00:00:42.320 Thank 00:00:42.320 -- 00:00:46.865 you, Krista, and good morning, everyone. Welcome to Flagstar Financial's second quarter 00:00:46.865 -- 00:00:52.012 2025 earnings call. This morning, our Chairman, President, and 00:00:52.012 -- 00:00:57.098 CEO, Joseph Otting, along with the company's Senior Executive Vice President and Chief 00:00:57.098 -- 00:01:03.178 Financial Officer, Lee Smith will discuss our second quarter results and outlook. 00:01:03.178 -- 00:01:08.425 Also joining us on this call this morning is Bao Nguyen, Companies General Counsel 00:01:08.425 -- 00:01:11.328 and Chief of Staff to the CEO. 00:01:11.328 -- 00:01:16.354 Before we begin, I would like to remind everyone that during this call, we will be referring 00:01:16.354 -- 00:01:21.780 to a ...