Flagstar Bank, N.A. (FLG) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.995 Hello, and thank you for standing by. My name is Regina, and I will be your conference 00:00:03.995 -- 00:00:08.318 operator today. At this time, I would like to welcome everyone to the Black Star Bank 00:00:08.318 -- 00:00:11.561 fourth quarter 2025 earnings conference call. 00:00:11.561 -- 00:00:15.745 All lines have been placed on mute to prevent any background noise. 00:00:15.745 -- 00:00:19.028 After the speaker's remarks, there will be a question and answer session. 00:00:19.028 -- 00:00:23.812 If you would like to ask a question during this time, simply press star then the number 00:00:23.812 -- 00:00:28.797 one on your telephone keypad. If you'd like to withdraw your question, press star one 00:00:28.797 -- 00:00:34.002 again. I would now like to turn the conference over to Sal DiMartino, Director of Investor 00:00:34.002 -- 00:00:37.244 Relations. Please go ahead. 00:00:37.850 -- 00:00:40.315 Thank you, Regina, and good morning, everyone. 00:00:40.315 -- 00:00:45.386 Welcome to Flagstar Bank's fourth quarter 2025 earnings call. 00:00:45.386 -- 00:00:50.442 This morning, our Chairman, President, and CEO, Joseph Otting, along with the company's 00:00:50.442 -- 00:00:55.729 Senior Executive Vice President and Chief Financial Officer, Lee Smith, will discuss 00:00:55.729 -- 00:01:01.995 our results for the quarter and the full year ended December 31st, 2025. 00:01:02.539 -- 00:01:07.947 During this call, we will be referring to a presentation which provides additional detail 00:01:07.947 -- 00:01:11.952 on our quarterly results and operating performance. 00:01:11.952 -- 00:01:16.939 Both the earnings presentation and the press release can be found on the investor relations 00:01:16.939 -- 00:01:21.208 section of our company we...