Headquartered in Dallas, Texas, Veritex is a bank holding company that conducts banking activities through its wholly-owned subsidiary, Veritex Community Bank, with locations throughout the Dallas-Fort Worth metroplex and in the Houston metropolitan area. Veritex Community Bank is a Texas state chartered bank regulated by the Texas Department of Banking and the Board of Governors of the Federal Reserve System. For more information, visit www.veritexbank.com. This press release includes "forward-looking stat ...

Exhibit 99.1 VERITEX HOLDINGS, INC. REPORTS SECOND QUARTER 2024 OPERATING RESULTS Other Second Quarter Financial, Credit and Company Highlights 1 • Pre-tax, pre-provision operating return on average assets was 1.42% as of June 30, 2024; • Nonperforming assets ("NPAs") decreased 17 bps from the prior quarter to 0.65% of total assets; • Net interest margin ("NIM") increased to 3.29%, a 5 bps improvement from the prior quarter; • Common equity tier 1 capital grew 12 bps from the prior quarter to 10.49%; • Tota ...

DALLAS, July 09, 2024 (GLOBE NEWSWIRE) -- Veritex Holdings, Inc. (Nasdaq: VBTX) ("Veritex" or "the Company"), the parent holding company for Veritex Community Bank, today announced that it plans to release its second quarter 2024 results after the close of the market on Tuesday, July 23, 2024. The earnings release will be available on the Company's website, https://ir.veritexbank.com/. The Company will also host an investor conference call to review the results on Wednesday, July 24, 2024 at 8:30 a.m. Centr ...

DALLAS, July 09, 2024 (GLOBE NEWSWIRE) -- Veritex Holdings, Inc. (Nasdaq: VBTX) ("Veritex" or "the Company"), the parent holding company for Veritex Community Bank, today announced that it plans to release its second quarter 2024 results after the close of the market on Tuesday, July 23, 2024. The earnings release will be available on the Company's website, https://ir.veritexbank.com/. The Company will also host an investor conference call to review the results on Wednesday, July 24, 2024 at 8:30 a.m. Centr ...

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, 2024 UNITED STATES SECURITIES AND EXCHANGE COMMISSION ☐ 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) | | | Texas | 27-0973566 | | ...

Financial Data and Key Metrics Changes - The company reported earnings of $29.1 million or $0.53 per share for the first quarter, with a pretax pre-provision return of 1.42% or $43.7 million [5] - Net interest income decreased by $2.7 million to almost $93 million, primarily due to higher deposit yields and an unfavorable asset mix shift [11] - The net interest margin (NIM) decreased by 7 basis points from the previous quarter to 3.24% [11] - The allowance coverage increased to 115 basis points, up significantly over the last four quarters, with reserves increased by over $13 million [7] Business Line Data and Key Metrics Changes - Loans increased by $114.7 million or around 1%, while deposits rose by $316 million or 12% annualized [10] - The loan-to-deposit ratio improved from 107.7% to 91.7% year-over-year, with a significant reduction in reliance on wholesale funding [92] - The company experienced a 44% decrease in charge-offs from the previous quarter, totaling $5.3 million [88] Market Data and Key Metrics Changes - The company noted that deposit growth was strong, with an 18% increase over the last 12 months, while loan growth remained virtually flat [10] - The effective tax rate was higher for the quarter due to the tax treatment of equity awards, expected to return to approximately 21.5% for the remainder of the year [13] Company Strategy and Development Direction - The company is focusing on customer acquisition, particularly in the small business sector, and plans to invest in this area [2] - There is a commitment to reducing commercial real estate (CRE) concentrations, aiming to bring the ratio below 300% of total risk-based capital by the third quarter of 2024 [94] - The company is adopting a more conservative approach to economic assumptions in light of the current rate environment and geopolitical risks [90] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the progress made in strengthening the balance sheet but acknowledged that more work is needed, especially regarding deposits and credit [7] - The outlook for loan growth is projected to be in the low single digits, while deposits are expected to grow in the high single to low double digits [99] - Management highlighted the importance of credit surveillance and monitoring of the loan portfolio amid uncertainty in the market [99] Other Important Information - The company completed a securities loss trade transaction expected to add $0.05 annually to EPS and announced a $50 million stock repurchase program [87] - The company has maintained a strong liquidity position, with cash and borrowing capacity totaling $6.4 billion, representing 1.8 times the level of uninsured deposits [21] Q&A Session Summary Question: Can you discuss the changes in classified assets? - Management noted that substandard assets decreased while special mention assets increased slightly, indicating a need for better management of asset classifications [106] Question: What is the outlook for loan growth and payoffs? - Management indicated that while visibility into payoffs is somewhat uncertain, they expect to achieve close to $1 billion in payoffs for the year, though not necessarily at the same level as the previous year [46] Question: How should we think about noninterest expenses moving forward? - Management expects noninterest expenses to remain stable, with some increases due to investments in compliance and risk management [57][58]

Exhibit 99.1 VERITEX HOLDINGS, INC. REPORTS FIRST QUARTER 2024 OPERATING RESULTS Dallas, TX — April 23, 2024 —Veritex Holdings, Inc. ("Veritex", the "Company", "we" or "our") (Nasdaq: VBTX), the holding company for Veritex Community Bank, today announced the results for the quarter ended March 31, 2024. "I am encouraged with the start of 2024. We continue to execute on our strategic positioning of our balance sheet with growth in deposits, capital and loans", said C. Malcolm Holland, III. "Credit metrics re ...

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, 2023 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 | ...

Veritex Holdings, Inc. (NASDAQ:VBTX) Q4 2023 Earnings Conference Call January 24, 2024 9:30 AM ET Company Participants Will Holford - Director of Strategic Corporate Development Malcolm Holland - Chairman and Chief Executive Officer Terry Earley - Chief Financial Officer Clay Riebe - Chief Credit Officer Conference Call Participants Matt Olney - Stephens Brady Gailey - KBW Brett Rabatin - Hovde Group Stephen Scouten - Piper Sandler Ahmad Hasan - D.A. Davidson Michael Rose - Raymond James Operator Good morni ...

1 Past due loans exclude purchased credit deteriorated loans that are accounted for on a pooled basis and non-accrual loans. 2 Total loans excludes Loans Held for Sale, MW and PPP loans. Totals: 0.19% 0.36% 0.38% 0.16% 0.25% 15 Credit Quality (continued) Total CRE Criticized $341.7 MM Summary • Criticized loans = $506.6 MM, down 4% from 3Q23 • 7% decrease in criticized loans compared to December 31, 2022 Quarterly Criticized Loans ($ in millions, excluding PCD loans) $297.7 $204.8 $287.1 $304.5 $293.4 $175. ...