Operator

Good day, and thank you for standing by. Welcome to WaFd Inc. Second Quarter 2026 Results Conference Call. [Operator Instructions]. Please be advised today's conference is being recorded. I would now like to hand the conference over to your speaker today, Brad Goode, Chief Marketing Officer and Investor Relations Manager. Please go ahead.

Brad Goode
Chief of Communications, Marketing & Community Relations and Senior VP

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 wafdbank.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 WaFd 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 material. With us this morning are our President and CEO, Brent