Stellar Bancorp, Inc. (NYSE:STEL) Q3 2024 Earnings Conference Call October 25, 2024 9:00 AM ET
Company Participants
Courtney Theriot – Executive Vice President, Chief Accounting Officer and Controller, Stellar Bank
Robert Franklin, Jr. – Chief Executive Officer
Paul Egge – Chief Financial Officer
Ramon Vitulli – President, Stellar Bancorp, Inc., and Chief Executive Officer of Stellar Bank
Conference Call Participants
David Feaster, Jr. – Raymond James
Matthew Olney – Stephens
Unidentified Participant – Piper Sandler
Catherine Mealor – KBW
Operator
Greeting, and welcome to the Stellar Bancorp, Inc. Q3 2024 Earnings Release Conference Call. At this time, all participants are in listen only mode. A brief question and answer session will follow after the formal presentation. [Operator Instructions]. Thank you.
I will now turn the call over to Courtney Theriot, Chief Accounting Officer. You may now begin.
Courtney Theriot
Thank you, operator, and thank you all that have joined our call today. Good morning. Our team would like to welcome you to our earnings call for the third quarter of 2024. This morning’s earnings call will be led by our CEO, Robert Franklin, Jr., 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
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