Stellar Bancorp, Inc. (NYSE:STEL) Q3 2023 Earnings Conference Call October 27, 2023 9:00 AM ET

Company Participants

Courtney Theriot - Chief Accounting Officer

Bob Franklin - Chief Executive Officer

Paul Egge - Chief Financial Officer

Ray Vitulli - President and Chief Executive Officer of the Bank

Conference Call Participants

Eric Spector - Raymond James

Will Jones - KBW

Graham Dick - Piper Sandler

John Rodis - Janney

Matt Olney - Stephens

Operator

Good day, and thank you for standing by. Welcome to the Stellar Bancorp Inc. Reports Third Quarter 2023 Results Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded.

I would now like to hand the conference over to your speaker today, Courtney Theriot, Chief Accounting Officer.

Courtney Theriot

Thank you, operator, and thank you to all who have joined our call today. Good morning. Our team would like to welcome you to our earnings call for the third quarter of 2023.

This morning's earnings call will be led by our CEO, Bob Franklin; and CFO, Paul Egge. Also in attendance today are Steve Retzloff, Executive Chairman of the company; Ray Vitulli, President of the company and CEO of the Bank; and Joe West, Senior Executive Vice President and Chief Credit Officer of the Bank.

Before we begin, I need to remind everyone that some of the remarks made today constitute forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995 as amended. We intend all such statements to the covered by the Safe Harbor provisions for forward-looking statements contained in the act.

Also note that if we give guidance about future results, that guidance is only reflection of management's beliefs, at the time the statement is made and such beliefs are subject to change. We disclaim any obligation to publicly update any forward-looking statements except as maybe required by law.

Please see the last page of the text in this morning's earnings release, which is available on our website at ir.stellarbancorpinc.com for additional information about the risk factors associated with forward-looking statements. At the conclusion of our remarks, we will open the line and allow time for questions.

I will now turn the call over to our CEO, Bob Franklin.

Bob Franklin

Thank you, Courtney, and good morning, and welcome to the Stellar Bank -- Bancorp third quarter earnings call.