Stellar Bancorp, Inc. (STEL) Q1 2025 Earnings Call Transcript

Stellar Bancorp, Inc. (NYSE:STEL) Q1 2025 Earnings Conference Call April 25, 2025 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
Joe West - Senior Executive Vice President and Chief Credit Officer

Conference Call Participants

David Feaster - Raymond James
Will Jones - KBW

Operator

Thank you for standing by. My name is Karen and I will be your conference operator today. At this time, I would like to welcome everyone to the Stellar, Q1 2025 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions]

I will now turn the call over to Courtney Theriot, Chief Accounting Officer. Please go ahead.

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 first quarter of 2025. 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