Live Oak Bancshares, Inc. (LOB) Q2 2025 Earnings Call

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WEBVTT 00:00:00.000 -- 00:00:04.700 the presentation, we will conduct a question and answer session. 00:00:04.700 -- 00:00:09.980 If anyone has any difficulties hearing the conference, please press star zero for operator 00:00:09.980 -- 00:00:15.720 assistance at any time. I would now like to turn the conference call over to Greg Seward, 00:00:15.720 -- 00:00:20.740 Chief Risk Officer and General Counsel. Please go ahead. 00:00:20.740 -- 00:00:25.420 Thank you and good morning, everyone. Welcome to Live Oak Second Corps 2025 earnings 00:00:25.420 -- 00:00:31.160 conference call. We are webcasting live over the Internet and this call is being recorded. 00:00:31.160 -- 00:00:34.900 To access the call over the Internet and review the presentation materials that we will 00:00:34.900 -- 00:00:39.820 reference on the call, please visit our website at .liveoakbank.com 00:00:40.120 -- 00:00:44.540 and go to the events and presentations tab for supporting materials. 00:00:44.540 -- 00:00:47.580 Our earnings release is also available on our website. 00:00:47.580 -- 00:00:51.260 Before we get started, I would like to caution you that we may make forward-looking statements 00:00:51.260 -- 00:00:55.400 during today's call that are subject to risks and uncertainties. 00:00:55.400 -- 00:00:59.680 Factors that may cause actual results to differ materially from our expectations are 00:00:59.680 -- 00:01:04.060 detailed in the materials accompanying this call and in our SEC filings. 00:01:04.060 -- 00:01:07.520 We do not undertake to update the forward-looking statements to reflect the impact of 00:01:07.520 -- 00:01:12.280 circumstances or events that may arise after the date of today's call. 00:01:12.280 -- 00:01:16.640 Information about any non-GAAP financial measures referenced, i...