Q4 EARNINGS Independent Bank Corporation (IBCP) Conference Call – January 28, 2021 Be Independent Cautionary note regarding forward-looking statements 2 This presentation contains forward-looking statements about Independent Bank Corporation. Statements that are not historical or current facts, including statements about beliefs and expectations, are forward-looking statements and are based on the information available to, and assumptions and estimates made by, management as of the date hereof. These forwar ...

Q3 EARNINGS Independent Bank Corporation (IBCP) Conference Call – October 27, 2020 Be Independent Cautionary note regarding forward-looking statements This presentation contains forward-looking statements about Independent Bank Corporation. Statements that are not historical or current facts, including statements about beliefs and expectations, are forward-looking statements and are based on the information available to, and assumptions and estimates made by, management as of the date hereof. These forward- ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the quarterly period ended September 30, 2020. or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the transition period from to . Commission file number 001-35854 Independent Bank Group, Inc. (Exact name of registrant as specified in its charter) Texas 13-4219346 (State or ot ...

Financial Data and Key Metrics Changes - The company reported adjusted earnings per share of $1.38 for Q3 2020, an increase from $1.35 in Q3 2019 and $1.14 in the linked quarter [10] - Adjusted return on average assets was 1.42%, and adjusted return on tangible common equity was 17.29% [7] - Net interest income increased to $132 million from $125.4 million year-over-year and $128.4 million from the linked quarter [11] - Non-interest income was $25.2 million, with mortgage banking revenue increasing by $4.2 million from the linked quarter [12] Business Line Data and Key Metrics Changes - Loans held for investment (excluding mortgage warehouse loans) were $11.7 billion, up from $10.9 billion year-over-year, but flat compared to the linked quarter [17] - Mortgage warehouse purchase loans averaged $894.9 million for the quarter, up from $665.8 million in the previous quarter [18] - Total non-interest expense was $73.4 million, with significant variances in salaries and benefits due to increased deferred loan costs [13][14] Market Data and Key Metrics Changes - Total deposits reached $13.8 billion, driven by organic deposit growth of $498.5 million or 14.9% annualized for the quarter [15] - The common equity Tier 1 capital ratio increased to 10.24%, and the total capital ratio rose to 13.29% [16] Company Strategy and Development Direction - The company plans to increase its quarterly dividend to $0.30 per share and has authorized a stock repurchase program with a maximum limit of $150 million [24] - Management indicated a cautious approach to M&A activity due to economic uncertainty and high valuations of potential targets [30][31] Management Comments on Operating Environment and Future Outlook - Management expressed optimism about economic recovery and increased activity across their footprint, despite ongoing challenges from COVID-19 [24] - The company anticipates mid-single-digit loan growth for 2021, excluding the impact of PPP loans [46][95] Other Important Information - The company has deferred the adoption of CECL under the CARES Act, with provisions for loan loss expense at $7.6 million for Q3 2020 [23] - Non-performing assets increased slightly to $43.2 million, representing 0.25% of total assets [21] Q&A Session Summary Question: Dividend and Buyback Plans - The company plans to be active in stock buybacks at current price levels, with $100 million remaining from the $150 million authorization [28][30] Question: Loan Growth Outlook - Loan fundings were strong at $580 million, but payoffs were around $600 million, primarily due to asset sales [41][42] - The company expects loan growth to be mid-single-digit in 2021, starting slower and accelerating as the year progresses [46][95] Question: Credit Quality and Non-Performing Assets - Non-performing assets increased due to one commercial real estate loan, but overall credit quality remains strong [32][33] - The company does not foresee significant losses due to strong underwriting standards and collateral values [80][84] Question: Margin and Deposit Costs - The cost of deposits decreased to 47 basis points, with expectations to lower it further to 35 basis points by the end of Q1 2021 [66] - The company anticipates some margin compression but expects stabilization with potential loan growth [102]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the quarterly period ended June 30, 2020. or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the transition period from to . Commission file number 001-35854 Independent Bank Group, Inc. (Exact name of registrant as specified in its charter) Texas 13-4219346 (State or other j ...

Independent Bank Group, Inc. (NASDAQ:IBTX) Q2 2020 Results Earnings Conference Call July 28, 2020 8:30 AM ET Company Participants Paul Langdale - Senior VP & Director of Corporate Development David Brooks - CEO Dan Brooks - Chief Risk Officer Michelle Hickox - CFO Conference Call Participants Brad Milsaps - Piper Sandler Brady Gailey - KBW. Michael Rose - Raymond James Matt Olney - Stephens Michael Young - SunTrust Operator Greetings, and welcome to the Independent Bank Group Second Quarter 2020 Earnings Co ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the quarterly period ended March 31, 2020. or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the transition period from to . Commission file number 001-35854 Independent Bank Group, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of i ...

Independent Bank Group, Inc. (NASDAQ:IBTX) Q1 2020 Earnings Conference Call April 28, 2020 8:30 AM ET Company Participants Paul Langdale - SVP, Director, Corporate Development David Brooks - Chairman, CEO and President Dan Brooks - Vice Chairman and Chief Risk Officer Michelle Hickox - EVP and CFO Conference Call Participants Matt Olney - Stephens Brad Milsaps - Piper Sandler Michael Rose - Raymond James Brady Gailey - KBW Michael Young - SunTrust Robinson Humphrey Operator Greetings. Welcome to Independent ...

Financial Performance - Total assets reached $15573868 thousand, a 4.1% increase linked quarter and a 10.1% increase annually[10] - Net interest income was $123241 thousand, a decrease of 3.8% linked quarter but an increase of 1.3% annually[11] - Net income was $44167 thousand, a decrease of 12.1% linked quarter but an increase of 18.9% annually[11] - The adjusted efficiency ratio was 51.17%[15] Loan Portfolio - Total loans held for investment, excluding mortgage warehouse purchase loans, amounted to $11020920 thousand, reflecting a 0.8% increase linked quarter and a 3.1% increase annually[10] - Mortgage warehouse purchase loans totaled $796609 thousand, a 15.9% increase linked quarter and a significant 217.0% increase annually[10] - The company originated over 4600 PPP loans totaling over $730 million for existing customers as of April 27, 2020[6] - The adjusted loan yield was 5.09% YTD[17] Capital and Liquidity - The estimated total capital ratio was 12.05%, the leverage ratio was 9.67%, and the tangible common equity (TCE) ratio was 8.94% as of March 31, 2020[8] - Cash and securities represented approximately 13.1% of assets as of March 31, 2020[9] COVID-19 Response - The company donated $100000 to support food banks, providing 355000 meals[7]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT TO SECTION 13 OR 15(d) OF THE SECURITIES ACT OF 1934 For The Fiscal Year Ended December 31, 2019. ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number 001-35854 Independent Bank Group, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization ...