Stellar Bancorp, Inc. (STEL) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning. My name is Audra, and I will be your conference operator today. At this time, I would like to welcome everyone to the Stellar Bank third quarter earnings call. Today's conference is being recorded. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press the star key followed by the number one on your telephone keypad. If you would like to withdraw your question, press star one again. At this time, I would like to turn the conference over to Courtney Theriault, Chief Accounting Officer. Please go ahead. Thank you, operator, 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 2025. This morning's earnings call will be led by our CEO, Bob Franklin, and CFO, Paul Iggy. Also in attendance today are Steve Reitzloff, 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 Investigation Reform Act of 1995 as amended. We intend all such statements to be covered by the same type of provisions for forward-looking statements contained in the Act. Also note that if we give guidance about future results, that guidance is only reflection of management's belief at the time the statement is made and 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 ...