Live Oak Bancshares, Inc. (LOB) Q1 2026 Earnings Call

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WEBVTT 00:00:00.655 -- 00:00:05.740 Good morning, ladies and gentlemen, and welcome to the Q1 2026 Live Oak Bank 00:00:05.740 -- 00:00:10.505 Shares, Inc. Earnings Conference call. At this time, note that all participant lines 00:00:10.505 -- 00:00:15.030 are in the listen-only mode. Following the presentation, we will conduct a question and 00:00:15.030 -- 00:00:19.795 answer session. And if at any time during this call you require immediate assistance, 00:00:19.795 -- 00:00:24.399 please press star zero for the operator. Also note that this call is being recorded on 00:00:24.399 -- 00:00:27.689 Thursday, April 23rd, 2026. 00:00:27.689 -- 00:00:31.434 And I would like to turn the conference over to General Counsel Greg Seward. 00:00:31.434 -- 00:00:33.737 Please go ahead, sir. 00:00:33.737 -- 00:00:38.144 Thank you and good morning, everyone. Welcome to Live Oak's first quarter 2026 earnings 00:00:38.144 -- 00:00:43.051 conference call. We're a webcasting library of the internet, and this call is being recorded. 00:00:43.051 -- 00:00:46.696 To access the call over the internet and review the presentation materials that we will 00:00:46.696 -- 00:00:51.439 reference on the call, please visit our website at investor.liveoak.bank 00:00:52.083 -- 00:00:55.600 and go to the events and presentations tab for supporting materials. 00:00:55.600 -- 00:00:58.764 Our earnings release is also available on our website. 00:00:58.764 -- 00:01:02.448 Before we get started, I would like to caution you that we may make forelooking statements 00:01:02.448 -- 00:01:06.633 during today's call that are subject to risks and uncertainties. 00:01:06.633 -- 00:01:10.558 Factors that may cause actual results to differ materially from our expectations are 00:01:10.558 -- 00:01:15.104 detailed i...