Stellar Bancorp, Inc. (NYSE:STEL) Q1 2024 Earnings Conference Call April 26, 2024 9:00 AM ET

Company Participants

Courtney Theriot - Chief Accounting Officer
Robert Franklin - CEO
Paul Egge - CFO
Ramon Vitulli - President & CEO of the Bank

Conference Call Participants

David Feaster - Raymond James
Matt Olney - Stephens
John Rodis - Janney

Operator

Ladies and gentlemen, thank you for standing by, and welcome to the Stellar Bancorp, Inc. First Quarter 2024 Earnings Call. [Operator Instructions]

I will now hand today's call over to Courtney Theriot, Chief Accounting Officer. Please go ahead.

Courtney Theriot

Good morning. Our team would like to welcome you to our earnings call for the first quarter of 2024. 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 be 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 a 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 and any forward-looking statements, except as may be required by law. If you see the last page of the text in this morning's earnings release, which is available on our website at ir.stellar.bank, 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.

Robert Franklin

Thank you, Courtney. Good morning, and welcome to the Stellar Bancorp first quarter earnings call.

The Stellar Bank team remains focused on building the Stellar way. Thank you to all the Stellar team members for continuing your efforts to strengthen our bank and create shareholder value. Our aim has not moved as we continue to build capital, strengthen liquidity and closely watch our credit. We are a community bank that is our heritage and our culture.