Flagstar Bank, N.A. (FLG) Q2 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.892 Hello and thank you for standing by. My name is Regina and I will be your conference 00:00:03.892 -- 00:00:08.893 operator today. At this time, I'd like to welcome everyone to the Flagstar Bank second 00:00:08.893 -- 00:00:14.114 quarter 2026 earnings conference call. All lines have been placed on mute to prevent 00:00:14.114 -- 00:00:18.916 any background noise. After the speaker's remarks, there will be a question and answer 00:00:18.916 -- 00:00:23.957 session. If you'd like to ask a question during this time, simply press star then the 00:00:23.957 -- 00:00:29.355 number one on your telephone keypad. To withdraw your question, press star one again. 00:00:29.355 -- 00:00:34.538 I would now like to turn the conference over to Sal DiMartino, Director of Investor Relations. 00:00:34.538 -- 00:00:36.899 Please go ahead. 00:00:36.899 -- 00:00:39.220 Thank you, Regina, and good morning, everyone. 00:00:39.220 -- 00:00:44.583 Welcome to Flagstar Bank's second quarter 2026 earnings call. 00:00:44.583 -- 00:00:49.986 This morning, our executive chairman and chief executive officer, Joseph Otting, 00:00:49.986 -- 00:00:55.328 along with the company's co-president, co-chief operating officer and chief banking 00:00:55.328 -- 00:00:57.836 officer, Richard Raffetto, 00:00:57.836 -- 00:01:02.997 and Co-President, Co-Chief Operating Officer and Chief Financial Officer Lee 00:01:02.997 -- 00:01:07.098 Smith will discuss our results for the quarter. 00:01:07.098 -- 00:01:12.119 During this call, we will be referring to a presentation which provides additional detail 00:01:12.119 -- 00:01:15.780 on our quarterly results and operating performance. 00:01:15.780 -- 00:01:20.821 Both the earnings presentation and the press release can be found on the...