Financial Data and Key Metrics Changes - For Q2 2022, the company reported net operating income of $30 million or $0.55 per share, with a pretax pre-provision operating income of $46.7 million or $0.85 per share, marking an increase of $5.1 million over the previous quarter despite lower non-interest income [9][10] - Net interest income surged by over $11 million, driven by strong loan growth, resulting in a total of $84.5 million for the quarter, a 16% increase from Q1 [10][25] - The net interest margin (NIM) increased by 20 basis points from Q1 to 3.42%, with further strengthening observed in July [26][27] Business Line Data and Key Metrics Changes - Loans net of mortgage warehouse grew by $791 million or 44% annualized in Q2, totaling $1.16 billion for the first half of the year, representing a 35% annualized growth [11][15] - Non-interest income declined by $4.7 million to $10.4 million for the quarter, primarily due to a decrease in gain on sale income and a write-down on servicing assets [28][30] - The average mortgage warehouse balances increased by 13.6% in Q2, contributing positively to the overall loan growth [24] Market Data and Key Metrics Changes - Texas sales tax revenue was up 16% year-over-year, with total sales tax revenue exceeding $35 billion for the first 10 months of the fiscal year, indicating strong economic performance in the region [14] - The company noted that its credit metrics continued to improve, with non-performing assets (NPAs) falling to 40 basis points, down from a high of 111 basis points in Q3 2020 [16] Company Strategy and Development Direction - The company remains focused on hiring top-quality talent, having added 65 new employees in the quarter, with a commitment to developing future banking leaders through various programs [41][42] - The management emphasized a strategic approach to loan growth, with expectations of a slowdown in the back half of the year to a range of 16% to 18% [15][96] - The company is evaluating a credit risk transfer on its mortgage warehouse portfolio to lower risk-weighted assets, which is expected to enhance capital ratios [39] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the Texas economy, stating that it continues to outperform national averages, and noted that while some projects have been paused, overall client distress has not been observed [13][15] - The management anticipates a strong back half of the year for loan funding, particularly with the USDA securing additional funding for its programs [31][59] - There is an expectation for fee income to improve in Q4, although Q3 is anticipated to be weaker [61][64] Other Important Information - The company reported a capital growth of $36 million during the quarter, bringing total capital to $1.3 billion, with CET-1 ratios expanding by 22 basis points year-over-year [38] - Operating expenses increased by $2 million from Q1, primarily due to marketing costs associated with a golf championship event [36] Q&A Session Summary Question: Impact of government guaranteed loans on expenses - Management indicated that the current situation is temporary and they remain committed to investing in talent and building the business despite rising rates and funding challenges [46] Question: Marketing expenses and their benefits - The company plans to continue its marketing efforts, particularly in the golf industry, despite changes in the market [48] Question: Gain on sale premiums and future expectations - Management noted that rising interest rates and economic uncertainty have impacted gain on sale premiums, with expectations for them to remain weak through the year but improve in 2023 [56][58] Question: Loan growth funding strategies - The company plans to fund growth through a combination of InterLink, core deposit growth, and community bank initiatives, with expectations of significant contributions from these sources [75][78] Question: Future loan-to-deposit ratio targets - Management confirmed that they aim to achieve a loan-to-deposit ratio in the low to mid-80s, with confidence in meeting growth targets [99][101] Question: Expense growth and efficiency ratio improvements - Management expects meaningful improvements in the efficiency ratio over the next four to six quarters, driven by revenue growth outpacing expense growth [110][112]

1 7/26/2022 Second Quarter FAR I T. HOLDINGS, INC Exhibit 99.2 TRUTH | INTEGRITY | TRANSPARENCY Safe Harbor and Non-GAAP Measures Forward-looking statements This presentation includes "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, which ch ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM10-Q If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ As of May 6, 2022, there were 53,962,875 outstanding shares of the registrant's common stock, par value $0.01 per share. VERITEX HOLDINGS, INC. AND SUBSIDIARIES ☒ QUARTERLY REPOR ...

Veritex Holdings, Inc. (NASDAQ:VBTX) Q1 2022 Earnings Conference Call April 27, 2022 9:30 AM ET Company Participants Susan Caudle - Investor Relations Officer & Secretary to the Board Malcolm Holland - Chairman & Chief Executive Officer Terry Earley - Chief Financial Officer Clay Riebe - Chief Credit Officer Conference Call Participants Michael Rose - Raymond James Brett Rabatin - Hovde Gary Tenner - D.A. Davidson Brady Gailey - KBW Matt Olney - Stephens Graham Dick - Piper Sandler Operator Good day and wel ...

First Quarter Earnings 2022 VERITEX® HOLDINGS, INC. TRUTH | INTEGRITY | TRANSPARENCY Safe Harbor and Non-GAAP Measures Forward-looking statements This presentation includes "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, which change over t ...

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, 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 No. 001-36682 Veritex Holdings, Inc. (Exact name of registrant as specified in its charter) Indicate by check mark whether the registrant has submitted electronical ...

Veritex Holdings, Inc. 4 th Quarter Earnings Conference Call January 26, 2022 Safe Harbor Statement 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, p ...

Financial Data and Key Metrics Changes - The company reported operating income of $0.84 per share for Q4 2021, a 20% increase from $0.70 per share in Q3 2021, marking the strongest quarter in the company's history [7] - Total deposits grew by $851 million or 13% for the year, with 49% of that growth in non-interest bearing deposits, which now represent 34% of total deposits [10] - The operating return on average tangible common equity was 20.5% for Q4 and 17.6% for the full year 2021 [16] Business Line Data and Key Metrics Changes - Loan growth, excluding mortgage warehouse and PPP, was $150 million for Q4 and $918 million for the year, representing 9% and 16% growth respectively [8] - The C&I and ADC portfolios grew at 11.9% and 13.5% respectively during Q4 [19] - Average mortgage warehouse balances increased just under 4% in Q4, reflecting new customer acquisition [20] Market Data and Key Metrics Changes - Non-performing assets (NPAs) reduced by $24 million, bringing NPAs to total assets down to 0.51% from 0.77%, with a year-over-year reduction of over 50% [11] - Charge-offs were just shy of $13 million, with all charge-offs previously identified and provided for in earlier periods [12] Company Strategy and Development Direction - The company aims to continue producing mid-teens annual loan growth and is focused on hiring new talent in both production and operational areas [10][13] - The acquisition of North Avenue Capital is expected to enhance the company's pipeline and overall business culture [14] - The company is actively evaluating M&A opportunities in both bank and non-bank spaces to meet strategic needs [42] Management's Comments on Operating Environment and Future Outlook - Management expressed strong confidence in continuing positive results in 2022, despite challenges posed by the pandemic and economic uncertainty [41] - The company anticipates that the current economic environment will support its growth initiatives, with expectations of three to four Fed rate hikes in 2022 contributing to net interest income [25] Other Important Information - Operating non-interest income for the full year 2021 was $57 million, a 27% increase over 2020, driven by strategic investments in diversified revenue sources [29] - The operating efficiency ratio was 47.6% for Q4 and 49.3% for the full year 2021, indicating efficient operations despite significant talent investments [18] Q&A Session Summary Question: Can you tell me about the types of lenders hired and the outlook for loan growth? - The company hired 23 new producers, primarily from the community bank space, and expects mid-teens loan growth in 2022 [46][51] Question: How do you view the expense side of the equation given wage inflation? - The company anticipates expenses in the range of $180 million to $200 million, factoring in inflation and continued hiring [54][57] Question: What are the expectations for the North Avenue Capital acquisition? - Management feels optimistic about the revenue guidance initially laid out for NAC and noted recent hiring to support production [58] Question: What is the outlook for the core margin and loan to deposit ratio? - The core margin is expected to be around 3.38%, and the company is focused on improving deposit growth trends [63][71] Question: How does the company view its capital levels and growth? - The company aims to increase its CET1 ratio to between 9% and 9.25% over the year, prioritizing capital growth [107][109]

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 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: 001-36682 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) Q3 2021 Earnings Conference Call October 27, 2021 9:30 AM ET Company Participants Susan Caudle - Investor Relations Officer and Secretary to the Board Malcolm Holland - Chairman and Chief Executive Officer Terry Earley - Chief Financial Officer Clay Riebe - Chief Credit Officer Conference Call Participants Matt Olney - Stephens Gary Tenner - D.A. Davidson Brad Milsaps - Piper Sandler Woody Lay - KBW Disclaimer*: This transcript is designed to be used alongside the freely ...