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- **Record Q3 Growth**: 14% revenue, 16% PPNR, 10% tangible book value growth.
- **Veritex Synergies**: 1% efficiency ratio improvement, 30bp ROTCE lift, Texas market leadership.
- **Profitability Excellence**: 12% NII growth, 14% noninterest income growth, 250bp+ operating leverage.
- **Credit Resilience**: 22bp NCOs, stable criticized assets, no material fraud exposure.
- **Deposit Management**: 40% rate cut beta, 10-11% NII growth via fixed asset repricing.

**【CEO Summary Section】**
- Delivered 14% year-over-year revenue growth, 16% PPNR expansion, and 10% tangible book value growth.
- Highlighted Veritex partnership to become 5th largest depository in Dallas, with 1% efficiency ratio improvement and 30bp ROTCE lift.
- Texas expansion plans include branch network expansion and commercial banking growth.
- Emphasized risk management with moderate to low risk appetite and stable credit metrics (22bp NCOs, 1.86% ACL).

**【CFO Financial Commentary】**
- Q3 EPS: $0.41 (GAAP), $0.40 (adjusted), up 18% YoY.
- Loan growth: $2.8B QoQ, 9.2% YoY, driven by commercial lending and new initiatives (40% of growth).
- Deposit growth: $1.4B QoQ, 0.8%, with cost of deposits down 2bp.
- Net interest income: $40M QoQ growth, 12% YoY, NIM 3.13%.
- Noninterest income: 14% YoY growth, led by payments (20% growth), wealth (12% AUM growth), and capital markets (21% growth).
- Expense management: 250bp+ operating leverage, 6.5% expense growth vs. 1% budget.
- Updated 2025 guidance: 8-9% loan growth, 10-11% NII growth, 7% fee income growth.

**【Q&A Highlights】**
- **Loan Growth Momentum**: 1.5% Q4 guidance, 8%+ 2026 outlook; regional banking, auto, and asset finance driving core growth.
- **Credit Quality**: Stable at 22bp NCOs, 3.79% criticized assets; no material fraud exposure.
- **Fraud Safeguards**: Relationship-based lending, active portfolio management, and moderate risk appetite.
- **Operating Leverage**: 250bp+ in 2025, 1-2%+ annual target; expense reengineering drives 1%+ annual savings.
- **M&A Strategy**: Focused on organic growth; Veritex integration prioritized over new deals.
- **Deposit Pricing**: 40% beta in rate cuts; 10-11% NII growth driven by fixed asset repricing (7bp 2026 benefit).
- **Tax Stimulus Impact**: Equipment finance seasonally strong, 2026 outlook for asset finance growth.

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