WaFd, Inc.

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 report on our third quarter results. It's also nice to see that the market has started to reward our shareholders with a significant uptick in our stock price over the last few months. This morning, we will cover four areas. First, Kelly Holtz, our CFO, will provide you with a detailed review of our balance sheet and income statement for the quarter and all of the fluctuations. Second, Ryan Maurer, our Chief Credit Officer, will provide comments on the current status of our loan portfolio and credit quality trends. Then I will provide my insight on the quarter, potential for growth, capital management strategies, and regulatory developments. Finally, we will be happy to answer any questions you have. Kelly, please walk us through the third quarter results we published yesterday.