Hilltop Holdings Inc. (HTH) Q2 2025 Earnings Call

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WEBVTT 00:00:00.000 -- 00:00:04.640 Good morning, ladies and gentlemen, and welcome to the Hilltop Holdings Second Quarter 00:00:04.640 -- 00:00:08.340 2025 earnings conference call and webcast. 00:00:08.340 -- 00:00:12.120 At this time, note that all participant lines are in listen-only mode. 00:00:12.120 -- 00:00:15.960 Following the presentation, we will conduct a question and answer session. 00:00:15.960 -- 00:00:20.280 And if at any time during this call you require needed assistance, please press star 00:00:20.280 -- 00:00:25.620 zero for the operator. Also note that this call is being recorded on Friday, July 25th, 00:00:25.620 -- 00:00:27.100 2025. 00:00:27.100 -- 00:00:29.280 And I would like to turn the conference over to Matt Dunn. 00:00:29.280 -- 00:00:31.860 Please go ahead. 00:00:33.200 -- 00:00:37.620 Thank you. Before we get started, please note that certain statements during today's 00:00:37.620 -- 00:00:42.080 presentation that are not statements of historical fact, including statements concerning 00:00:42.080 -- 00:00:47.560 such items as our outlook, business strategy, future plans, financial condition, 00:00:47.560 -- 00:00:52.120 credit risks and trends in credit, allowance for credit losses, liquidity and sources 00:00:52.120 -- 00:00:57.280 of funding, funding costs, evidence, stock repurchases, subsequent events 00:00:57.280 -- 00:01:02.080 and impacts of interest rate changes, as well as such other items referenced in the preface 00:01:02.080 -- 00:01:05.880 of our presentation, are forward-looking statements. 00:01:05.880 -- 00:01:09.780 These statements are based on management's current expectations concerning future events 00:01:09.780 -- 00:01:13.200 that by their nature are subject to risks and uncertainties. 00:01:13.200 -- 00:01:17.46...