Hilltop Holdings Inc. (HTH) Q3 2025 Earnings Call

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WEBVTT 00:00:00.183 -- 00:00:04.147 Good morning, ladies and gentlemen, and welcome to the Hilltop Holdings third quarter 00:00:04.147 -- 00:00:08.331 2025 earnings conference call and webcast. 00:00:08.331 -- 00:00:11.715 At this time, all lines are in listen only mode. 00:00:11.715 -- 00:00:15.719 Following the presentation, we will conduct a question and answer session. 00:00:15.719 -- 00:00:21.084 If at any time during this call you require immediate assistance, please press star zero 00:00:21.084 -- 00:00:26.209 for the operator. Please be advised that this call is being recorded today, Friday, October 00:00:26.209 -- 00:00:28.390 24th, 2025. 00:00:29.630 -- 00:00:33.214 I would now like to turn the conference over to Matt Dunn. 00:00:33.214 -- 00:00:35.675 Please go ahead. 00:00:36.599 -- 00:00:41.224 Thank you. Before we get started, please note that certain statements during today's 00:00:41.224 -- 00:00:45.590 presentation that are not statements of historical fact, including statements concerning 00:00:45.590 -- 00:00:50.836 such items as our outlook, business strategy, future plans, financial condition, 00:00:50.836 -- 00:00:55.261 credit risks and trends in credit, allowance for credit losses, liquidity and sources 00:00:55.261 -- 00:01:00.406 of funding, funding costs, dividends, stock repurchases, subsequent events, 00:01:00.406 -- 00:01:05.012 and impacts of interest rate changes, as well as such other items referenced in the preface 00:01:05.012 -- 00:01:08.856 of our presentation are forward-looking statements. 00:01:08.856 -- 00:01:13.081 These statements are based on management's current expectations concerning future events 00:01:13.081 -- 00:01:16.905 that by their nature are subject to risks and uncertainties. 00:01:16.905 -- 00:01:21.290 Our ac...