Stellar Bancorp, Inc. (STEL) Q4 2024 Earnings Call

Investor webinar replay

Replay transcript excerpt

over to Courtney Trio. 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 fourth quarter of 2024. This morning's earnings call will be led by our CEO, Bob Franklin, and CFO, Paul Ecke. Also in attendance today are Steve Redsloff, 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 provision 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 belief 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, especially if it is 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.sellerbanklookinc.com for additional information about the risk factors associated with forward-looking statements. At the conclusion of our remarks, we will open the line and allow time for questions. I will now turn the call over to our CEO, Paul Franklin. Thank you, Courtney, and good morning to everyone. Thank you for joining us for the Stellar Bank Corp fourth quarter earnings call. I want to start by expressing my gratitude to the outstanding team at Stellar Bank. Their relentless efforts have laid a solid foundation that...