WaFd, Inc.

Good day and thank you for standing by. Welcome to the WAFED fourth quarter and fiscal year 2025 results call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you'll need to press star 1-1 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 1-1 again. Please be advised today's conference is being recorded. I would like to hand this conference over to your speaker today. Brad Good, please go ahead.

Thank you, Kevin. Good morning, everybody. We are excited to have you all attending our first ever earnings conference call. We have listened to the feedback from many of you requesting that we hold a call like this. We've heard you. And so here we are. Let's dive into our 2025 fourth quarter and full year earnings report. You can find our earnings press release along with our detailed fact sheet and investor scorecard on our website. I'm sure you all know where that is, wapedbank.com. During today's call, we will make some forward-looking statements, which are subject to risks and uncertainties and are intended to be covered by the safe 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 recently filed Form 10-Q for the quarter ended June 30, 2025. Forward-looking statements are effective only as of the date that they are made, and WAFED 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 reconciliation provided in our earnings materials. With us this morning are President and CEO Brent Beardall, Chief Financial Officer Kelly Holtz, Chief Credit Officer Ryan Maurer, and Chief Experience Officer Kathy Cooper. I'd now like to hand the call over to Mr. Beardall.

Thank you, Mr. Good. Good morning, everyone. Today, we will cover five primary items with you. First, Kelly Holtz, our CFO, will provide you with a detailed review of our balance sheet and income statement for the quarter and year-ended 2025. Second, Ryan Maurer, our Chief Credit Officer, will provide comments on the current status of our loan portfolio and credit quality trends. Third, I will provide you my insights in terms of our future prospects, capital management, strategies, and macro developments that impact WAPEG. Fourth, Kathy Cooper, our client experience officer, will discuss the progress we are making to improve banking for our clients. Finally, we will be happy to answer any questions you have at that point. Kelly, please walk us through the quarter and year-end results.