WaFd, Inc.

standing by welcome to law fed inc second quarter 2026 results conference call at this time all participants are on a listen-only mode after the speaker's presentation there'll be a question and answer session to ask a question during the session you'll need to press star 1-1 on your telephone we 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 end the conference over your speaker today brad good chief marketing officer and rest relations manager please go ahead

Thank you, Kevin. Good morning, everybody. Happy Friday. Let's dive into our 2026 second quarter earnings report. You can find our earnings press release along with our detailed fact sheet and investor scorecard on our website. That's wafedbank.com. During today's call, we will make 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 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 WAPA 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 pruning material. With us this morning, our President and CEO, Brent Beardall, Chief Financial Officer, Kelly Holtz, and our Chief Credit Officer, Ryan Maurer. I'd now like to hand the call over to Mr. Beardall. Good morning.

Thank you, Brad. Let me start by saying I thought we had an outstanding second quarter, and we are excited to elaborate on the results. This morning, we will cover four areas. First, Kelly Holtz, our CFO, will provide you with a detailed review of our balance sheet and our income statement for the second quarter. Next, 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 Finally, we will be happy to answer any questions you have at that point. Kelly, please walk us through the quarterly results.