Hilltop Holdings Inc. (HTH) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.176 Thank you for standing by. My name is Jordan, and I'll be your conference operator today. 00:00:05.176 -- 00:00:09.700 At this time, I would like to welcome everyone to the Hilltop Holdings first quarter 00:00:09.700 -- 00:00:13.383 2026 earnings conference call and webcast. 00:00:13.383 -- 00:00:17.547 All lines have been placed on mute to prevent any background noise. 00:00:17.547 -- 00:00:21.550 After the speaker's remarks, there will be a question and answer session. 00:00:21.550 -- 00:00:25.994 If you'd like to ask a question during this time, simply press start, followed by the 00:00:25.994 -- 00:00:31.119 number one on your telephone keypad. If you'd like to withdraw your question, press star 00:00:31.119 -- 00:00:35.805 1 again. Thank you. I would now like to turn the call over to Matt Dunn. 00:00:35.805 -- 00:00:38.466 Please go ahead. 00:00:40.311 -- 00:00:44.698 Thank you. Before we get started, please note that certain statements during today's 00:00:44.698 -- 00:00:48.943 presentation that are not statements of historical fact, including statements concerning 00:00:48.943 -- 00:00:54.166 such items as our outlook, business strategy, future plans, financial condition, 00:00:54.166 -- 00:00:58.673 credit risks and trends in credit, allowance for credit losses, liquidity and sources 00:00:58.673 -- 00:01:03.841 of funding, funding costs, dividends, stock repurchases, subsequent events, and 00:01:03.841 -- 00:01:08.267 impacts of interest rate changes, as well as such other items referenced in the preface 00:01:08.267 -- 00:01:11.672 of our presentation are forward-looking statements. 00:01:11.672 -- 00:01:15.718 These statements are based on management's current expectations concerning future events 00:01:15.718 -- 00:01:...