Stellar Bancorp, Inc. (NYSE:STEL) Q4 2024 Earnings Conference Call January 31, 2025 6:00 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
Will Jones – KBW
Matthew Olney – Stephens
Stephen Scouten – Piper Sandler
John Rodis – Janney
David Feaster – Raymond James
Operator
Good morning, and welcome everyone to Stellar Bank, Q4 Earnings Release. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session. [Operator Instructions] Thank you.
I would now like to turn the call over to Courtney Theriot. 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 fourth 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
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