Financial Data and Key Metrics Changes - The company reported operating earnings of $22.9 million or $0.46 per share, an increase of $0.03 over the previous quarter [9] - The provision for loan losses decreased to $10.1 million from $19 million in the previous quarter [9] - Pre-tax, pre-provision operating return on average assets was 1.82% for the quarter and 1.96% for the year 2020 [10] - The allowance for loan losses increased to 2.10% of total loans [24] Business Line Data and Key Metrics Changes - The company saw annualized growth of 4.4% in C&I and CRE sectors, excluding mortgage warehouse and PPP [11] - Mortgage warehouse loans grew by $103 million or 23% linked quarter [11] - Non-interest income for the quarter was $9.8 million, driven by government guaranteed business [21] Market Data and Key Metrics Changes - Transactional deposits grew by $120 million or over 10% annualized [19] - Non-interest bearing deposits accounted for 31% of total deposits, while reliance on time deposits dropped to just under 24% [19] Company Strategy and Development Direction - The company aims to maintain capital stability and flexibility for growth opportunities, both organic and through M&A [41] - Focus on building and maintaining positive operating leverage while preparing for future market needs [41] Management Comments on Operating Environment and Future Outlook - Management expressed optimism about credit clarity and positive movement in business areas [8] - The company anticipates further migration of charge-offs in Q4 and the first half of 2021 [13] - Management emphasized a conservative approach to capital preservation amid uncertainties [52] Other Important Information - The company declared a regular quarterly dividend of $0.17 per share, representing a 37% payout ratio [25] - Subsequent to the quarter end, the company issued $125 million in subordinated debt at a fixed interest rate of 4.125% [26] Q&A Session Summary Question: Share buyback appetite and future plans - Management indicated flexibility in share repurchases depending on valuations and capital behavior, with a cautious approach to future buybacks [48][50] Question: Increase in NPAs despite improving credit metrics - Management clarified that the increase in NPAs reflects a conservative approach to credit management and capital preservation [52] Question: Trends in mortgage warehouse and loan growth - Management noted strong performance in the mortgage warehouse and expected positive loan growth in Q4 [87] Question: Criteria for loan upgrades and downgrades - Management explained that upgrades were based on borrower performance assessments and interviews with lending managers [65] Question: Residual risk in the restaurant portfolio - Management acknowledged potential deferrals in the restaurant portfolio as SBA support expires, with ongoing monitoring of performance [99]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM10-Q ☒ 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: 001-36682 VERITEX HOLDINGS, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of (I.R.S. employer incor ...

Veritex Holdings, Inc. (NASDAQ:VBTX) Q2 2020 Earnings Conference Call July 29, 2020 9:30 AM ET Company Participants Susan Caudle - IR Malcolm Holland - Chairman and CEO Terry Earley - CFO Clay Riebe - Chief Credit Officer Conference Call Participants Gray Tenner - D.A. Davidson Brad Milsaps - Piper Sandler Matt Olney - Stephens, Inc. Michael Rose - Raymond James Woody Lay - KBW Operator Good day, and welcome to the Veritex Holdings Second Quarter 2020 Earnings Conference Call and Webcast. [Operator Instruct ...

V E R I T E X Investor Presentation 2nd Quarter 2020 Safe Harbor Forward-looking statements This presentation contains certain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based on various facts and derived utilizing assumptions, current expectations, estimates and projections and are subject to known and unknown risks, uncertainties and other factors that may cause actual results, performance or achievements to be ma ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM10-Q ☒ 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: 001-36682 VERITEX HOLDINGS, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of (I.R.S. employer inco ...

Veritex Holdings, Inc. (NASDAQ:VBTX) Q1 2020 Results Earnings Conference Call April 29, 2020 9:30 AM ET Company Participants Susan Caudle - Executive Assistant and Shareholder Relations Charles Malcolm Holland, III - Chairman, President and Chief Executive Officer Terry Earley - Executive Vice President and Chief Financial Officer Michael Riebe - Senior Executive Vice President and Chief Credit Officer Conference Call Participants Michael Rose - Raymond James & Associates Bradley Milsaps - Piper Sandler & C ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report to Section 13 OR 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2019 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 No. 001-36682 Veritex Holdings, Inc. (Exact name of registrant as specified in its charter) | Texas | 27-0973566 | | --- | --- | | (State or other jurisdiction of | ...

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 OR UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☐ 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: 001-36682 | | | --- | --- | --- | | | VERITEX HOLDINGS, INC. | | | | (Exact name of registrant as specified in its charter) | | | | ...

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION For the transition period from to . 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, 2019 OR As of July 31, 2019, there were 53,500,280 outstanding shares of the registrant's common stock, par value $0.01 per share. VERITEX HOLDINGS, INC. Indicate by check m ...

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, 2019 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: 001-36682 VERITEX HOLDINGS, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of (I.R.S. employer inc ...