Live Oak Bancshares, Inc. (LOB) Q2 2026 Earnings Call

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WEBVTT 00:00:00.071 -- 00:00:05.314 Hello, everyone. Thank you for joining us and welcome to the second quarter 2026 00:00:05.314 -- 00:00:09.156 Live Oak Bancshares, Inc. Earnings Conference Call. 00:00:09.156 -- 00:00:13.819 After today's prepared remarks, we will host a question and answer session. 00:00:13.819 -- 00:00:18.662 If you would like to ask a question, please press star one to raise your hand. 00:00:18.662 -- 00:00:22.264 To withdraw your question, press star one again. 00:00:22.264 -- 00:00:26.386 I will now hand the conference over to Greg Seward, General Counsel. 00:00:26.386 -- 00:00:29.407 Greg, please go ahead. 00:00:29.798 -- 00:00:34.039 Thank you and good morning, everyone. Welcome to Live Oak's second quarter of 2026 earnings 00:00:34.039 -- 00:00:39.061 conference call. We're webcasting live over the internet and this call is being recorded. 00:00:39.061 -- 00:00:42.522 To access the call over the internet and review the presentation material that we will 00:00:42.522 -- 00:00:47.323 reference on the call, please visit our website at investor.liveoak.bank 00:00:47.863 -- 00:00:51.544 and go to the events and presentations tab for supporting materials. 00:00:51.544 -- 00:00:54.402 Our earnings release is also available on our website. 00:00:54.402 -- 00:00:57.623 Before we get started, I would like to caution you that we may make forward-looking statements 00:00:57.623 -- 00:01:01.423 during today's calls that are subject to risks and uncertainties. 00:01:01.423 -- 00:01:04.864 Factors that may cause the actual results to differ materially from our expectations 00:01:04.864 -- 00:01:10.205 are detailed in the materials accompanying this call and in our SEC filings. 00:01:10.205 -- 00:01:13.526 We do not undertake to update the forward-looking ...