**Provident Financial Holdings First Quarter Fiscal 2026 Earnings Call Transcript**
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**Operator:**
Good morning, ladies and gentlemen, and thank you for standing by. My name is Kelvin, and I will be your conference operator today. At this time, I would like to welcome everyone to the Provident Financial Holdings First Quarter of Fiscal 2026 Earnings Call.
[Operator Instructions]
I would now like to turn the call over to Donavon Ternes, President and Chief Executive Officer. Please go ahead.
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**Donavon Ternes, President & CEO:**
Good morning. This is Donavon Ternes, President and CEO of Provident Financial Holdings. Joining me on the call today is Peter Fan, our Senior Vice President and Chief Financial Officer.
Before we begin, I would like to address a brief administrative item.
Our presentation today discusses the company’s business outlook and includes forward-looking statements. These statements cover descriptions of management’s plans, objectives, or goals for future operations, products or services, forecasts of financial or other performance measures, and statements about the company’s general outlook for interest rates, economic, and business conditions.
Additionally, we may make forward-looking statements during the question-and-answer period following management’s presentation.
Please note that these forward-looking statements are subject to a number of risks and uncertainties, and actual results may differ materially from those discussed today.
For more information on the risk factors that could cause actual results to differ from any forward-looking statement, please refer to the earnings release distributed yesterday, the annual report on Form 10-K for the year ended June 30, 2025, and the Form 10-Q filings and other SEC documents filed subsequent to the Form 10-K.
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We appreciate your participation in today’s call.
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