WaFd, Inc. (WAFD) Q3 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good day and welcome to WFAD, Inc.'s third quarter fiscal 2026 results conference call. At this time, all participants are in listening mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 1-1 on your touchtone telephone. To withdraw your question, press star 1 again. Please be advised that today's conference is being recorded. I would now like to hand the call over to Brad Good, Chief Marketing Officer and Investor Relations Manager. Please go ahead. Thank you, Michelle. Good morning, everybody. Thanks for joining us. Let's dive into our 2026 third quarter earnings report. You can find our earnings press release along with our detailed fact sheet and investor scorecard on our website at wafedbank.com. During today's call, we'll make forward-looking statements which are subject to risks and uncertainties and are intended to be covered by the state harbor provisions of federal securities law. Information on risk factors that could cause actual results to differ are available from the earnings press release that was released yesterday and the Form 10-K for the fiscal year ended September 30, 2025. Forward-looking statements are effective only as of the date they are made, and WFAT assumes no obligation to update information concerning its expectations. We will also reference non-GAAP financial measures, and I encourage you to review the non-GAAP reconciliations provided in our earnings materials. With us this morning are President and CEO Brent Beardall, Chief Financial Officer Kelly Holtz, and Chief Credit Officer Ryan Maurer. I'd now like to hand the call over to Mr. Beardall. Thank you, Mr. Goode. Good morning, and thank you for joining us this morning. I am pleased to ...