Veritex (VBTX) - 2023 Q4 - Earnings Call Presentation

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. ...