Live Oak Bancshares, Inc. (LOB) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.298 good morning ladies and gentlemen and welcome to the live oak bank shares 00:00:05.298 -- 00:00:10.584 third quarter 2025 earnings conference call at this time 00:00:10.584 -- 00:00:15.670 all lines are in a listen-only mode following the presentation we will 00:00:15.670 -- 00:00:21.077 conduct a question and answer session if at any time during this call require immediate 00:00:21.077 -- 00:00:26.184 assistance please press star 0 for the operator i would now like to turn 00:00:26.184 -- 00:00:31.873 the conference call over to greg seward general counsel and Chief Risk Officer. 00:00:31.873 -- 00:00:32.614 Please go ahead. 00:00:32.614 -- 00:00:34.416 Thank 00:00:34.416 -- 00:00:38.863 you. Good morning, everyone. Welcome to Live Oak's third quarter 2025 earnings conference 00:00:38.863 -- 00:00:40.465 call. 00:00:40.465 -- 00:00:44.150 We are webcasting live over the internet, and this call is being recorded. 00:00:44.150 -- 00:00:48.256 To access the call over the internet and review the presentation material that we will 00:00:48.256 -- 00:00:53.140 reference on the call, please visit our website at investor.liveoakbank.com 00:00:53.403 -- 00:00:57.409 and go to the events and presentations tab for supporting materials. 00:00:57.409 -- 00:01:00.865 Our earnings release is also available on our website. 00:01:00.865 -- 00:01:04.409 Before we get started, I would like to caution you that we may make forward-looking statements 00:01:04.409 -- 00:01:08.575 during today's call that are subject to risks and uncertainties. 00:01:08.575 -- 00:01:12.340 Factors that may cause actual results to differ materially from our expectations are 00:01:12.340 -- 00:01:17.086 detailed in the materials accompanying this call and in our SEC filing...