WaFd, Inc.

Good day and thank you for standing by. Welcome to WAFED Inc's fiscal first quarter 2026 results conference call. At this time, all participants are in a listen-only mode. Please be advised that today's conference is being recorded. After the speaker's presentation, there will be a question and answer session. To ask a question, please press star 1 1 on your telephone and wait for your name to be announced. To withdraw your question, please press star 1 1 again. I would now like to hand the conference over to your speaker today, Brad Good, Chief Marketing and Investor Relations Manager.

Thank you, Josh. Good morning, everybody. Happy New Year. Let's dive into our 2026 first quarter earnings report. You can find our earnings press release along with our detailed fact sheet and investor scorecard on our website at wapabank.com. During today's call, we'll 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-K for the fiscal year ended September 30 of 2025. Forward-looking statements are effective only as the date they are made, and LAWCAD assumes no obligation to update information concerning its expectations. We'll 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, our 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. Good. Good morning, everyone, and Happy New Year. This morning, we will cover four areas for you. Kelly will provide you with a detailed review of our balance sheet and income statement for the quarter ended December 31st, including the impact on our margin from the increase in non-accrual loans, which everyone has undoubtedly noticed. Second, Brian Maurer will provide comments on the current status of our loan portfolio and credit quality trends. Third, I will provide you my insights on our future prospects, capital management, and macro developments. that impact WAFED. Finally, we'll be happy to answer any questions you have. Before turning it over to Kelly, I want to point out that based on your historical inquiries about repricing on our assets and liabilities, we've added a new table to our fact sheet on page six. This table details our largest categories of assets and liabilities, what percentage of each is fixed versus variable, then the cumulative amount of repricing in quarterly increments over the next two years. Please note that this table takes into account both the variable rate instruments and fixed rate instruments that mature in the stated timeframes. It also takes into account the effect of various hedging strategies. Kelly, I'll turn it over to you to walk through the quarter end results.