Stellar Bancorp, Inc. (STEL) Q3 2024 Earnings Call

Investor webinar replay

Replay transcript excerpt

Greetings and welcome to the Stellar Bancorp third quarter earnings release conference call. At this time, all participants are in listen-only mode. A brief question and answer session will follow after the formal presentation. If you would like to ask a question at that time, please press star followed by number one on your telephone keypad. Thank you. I will now turn the call over to Courtney Theriault Chief Accounting Officer, you may now begin. Thank you, operators, and thank you to all who have joined our call today. Good morning. Our team would like to welcome you to our earnings call for the third quarter of 2024. This morning's earnings call will be led by our CEO, Bob Franklin, and CFO, Paul Ege. Also in attendance today are Steve Redfloss, Executive Chairman of the company, Ray Vitulli, President of the company and CEO of the bank, and Joe West, Senior Executive Vice President and Chief Credit Officer of the Bank. Before we begin, I need to remind everyone that some of the remarks made today constitute forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995 as amended. We intend all such statements to be covered by the safe harbor provisions for forward-looking statements contained in the Act. Also note that if we give guidance about future results, that guidance is only a reflection of management's beliefs at the time the statement is made and such beliefs are subject to change. We disclaim any obligation to publicly update any forward-looking statement, except as may be required by law. Please see the last page of the text in this morning's earnings release, which is available on our website at ir.stellerbankcorpinc.com for additional information about the risk factors associated with forward-looking statements. At th...