Allegiance Bancshares, Inc. (ABTX) Q1 2022 Results Conference Call April 29, 2022 10:00 AM ET Company Participants Courtney Theriot - Chief Accounting Officer Steven Retzloff - Chief Executive Officer Ramon Vitulli - President and CEO of Allegiance Bank Paul Egge - EVP and Chief Financial Officer Conference Call Participants Brad Milsaps - Piper Sandler Matt Olney - Stephens Operator Good day, and thank you for standing by. Welcome to the Q1 2022 Allegiance Bancshares, Inc. Earnings Conference Call. [Operat ...

V cshares, Inc. Fixed Income Investor Presentation Fixed Income Investor Presentation [Month] [Day], 2019 First Quarter 2022 Earnings Presentation September 2019 Forward-Looking Statements and Non-GAAP Financial Measures | --- | --- ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 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: 001-38280 CBTX, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of (I.R. ...

Table UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 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: 001-38280 CBTX, Inc. (Exact name of registrant as specified in its charter) Texas 20-8339782 (State or other jurisdiction of (I.R. ...

NASDAQ: CBTX CBTX, Inc. Fourth Quarter 2021 \ Investor Presentation SAFE HARBOR STATEMENT AND NON-GAAP FINANCIAL MEASURES NON-GAAP FINANCIAL MEASURES This presentation contains certain non-GAAP (generally accepted accounting principles) financial measures, including tangible equity, tangible assets, tangible book value per share, tangible equity to tangible assets, return on average tangible equity, and pre-provision net revenue. The non-GAAP financial measures that CBTX, Inc. (the "Company") discusses in t ...

Allegiance Bancshares, Inc. (ABTX) Q4 2021 Earnings Conference Call January 28, 2022 10:00 AM ET Company Participants Courtney Theriot - Chief Accounting Officer Steven Retzloff - Chief Executive Officer Ramon Vitulli - President and CEO of Allegiance Bank Paul Egge - EVP and Chief Financial Officer Conference Call Participants Brad Milsaps - Piper Sandler Eric Specter - Raymond James Will Jones - KBW Matt Olney - Stephens Disclaimer*: This transcript is designed to be used alongside the freely available au ...

V cshares, Inc. Fixed Income Investor Presentation Fixed Income Investor Presentation [Month] [Day], 2019 Third Quarter 2021 Investor Presentation September 2019 Safe Harbor Statement and Non-GAAP Financial Measures "Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: This presentation contains forward-looking statements within the meaning of the securities laws that are derived utilizing assumptions, present expectations, estimates and projections about Allegiance. These stat ...

Financial Data and Key Metrics Changes - Net income for Q3 2021 was $19.1 million or $0.93 per diluted share, compared to $22.9 million or $1.12 per diluted share in Q2 2021 and $16.2 million or $0.79 per diluted share in Q3 2020 [19] - Pretax pre-provision income reached a record of $25.9 million, up from $25.3 million in Q2 2021 and $21.2 million in Q3 2020 [20] - Net interest income increased by $1.6 million or 2.8% to $58.2 million in Q3 2021 from $56.6 million in Q2 2021 [20] - Total non-interest expense rose to $34.3 million in Q3 2021 from $33.6 million in Q2 2021, primarily due to professional fees [24] Business Line Data and Key Metrics Changes - Total core loans, excluding PPP loans, increased by $37.9 million during the quarter, ending at $4 billion [13] - New core loans originated in Q3 2021 amounted to $454 million, surpassing the previous record set in Q2 2021 [12] - Paid-off core loans were $290 million in Q3 2021, compared to $238 million in Q2 2021 [13] Market Data and Key Metrics Changes - Total deposits increased by $234 million in Q3 2021 from Q2 2021 and by $750 million year-over-year [16] - Non-interest bearing deposits to total deposit ratio was 36.7% for September 30, 2021, compared to 36.3% for June 30, 2021 [16] - The Houston Purchasing Managers Index was 59.5 in September, indicating economic expansion [17] Company Strategy and Development Direction - The company aims to grow core loans and improve productivity to handle more growth [9] - There is a focus on expanding relationships and attracting new business, with a healthy mix of internal and external lender additions [12] - The company is exploring larger loan relationships to enhance growth potential [45] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the economic conditions in Houston, noting strong customer sentiment and a robust pipeline [31] - The company is positioned well for growth, with a strong capital position and liquidity [9] - Management acknowledged the competitive landscape but highlighted the stability of new loan yields [35] Other Important Information - The allowance for credit losses on loans ended the quarter at $50.5 million, representing 118 basis points of total loans [25] - The company has approximately $10.8 million of net deferred fees remaining related to PPP loans [21] - The tangible book value per share increased to $27.67, a 10.8% rise from the previous year [26] Q&A Session Summary Question: Insights on loan origination drivers - Management expects the trend of improving production to continue, driven by strong economic conditions and effective pipeline management [31] Question: Competitive landscape and pricing pressure - There is significant competition, but the company has managed to maintain stable new loan yields [35] Question: Future margin outlook with PPP forgiveness and deposit growth - The largest dynamic driving margin will be funded core loan growth, which is currently a focus for the company [38] Question: Loan growth potential and origination levels - Management believes they have the pieces in place to accelerate loan growth, targeting mid- to high-digit growth [44] Question: Impact of Fed rate increases on loan portfolio - The company is positioned to benefit from potential increases in Fed funds, expecting improvements in net interest income [82]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 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: 001-38280 CBTX, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of ( ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 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: 001-38280 CBTX, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of (I.R.S ...