Hilltop Holdings Inc. (HTH) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:06.435 zero for the operator this call is being recorded on friday january 30 2026 00:00:06.478 -- 00:00:10.442 and i would like to turn the conference over to mr matt dunn thank you please go ahead 00:00:10.442 -- 00:00:12.442 thank 00:00:13.925 -- 00:00:18.710 you before we get started please note that certain statements during today's presentation 00:00:18.710 -- 00:00:22.714 that are not statements of historical fact including statements concerning such items 00:00:22.714 -- 00:00:27.839 as our outlook business strategy future plans financial condition credit risks and 00:00:27.839 -- 00:00:33.034 trends in credit allowance for credit losses, liquidity and sources of funding, funding 00:00:33.034 -- 00:00:38.022 costs, dividends, stock repurchases, subsequent events, and impacts of interest rate 00:00:38.022 -- 00:00:42.669 changes, as well as such other items referenced in the preface of our presentation are 00:00:42.669 -- 00:00:44.792 forward-looking statements. 00:00:44.792 -- 00:00:48.679 These statements are based on management's current expectations concerning future events 00:00:48.679 -- 00:00:52.141 that, by their nature, are subject to risks and uncertainties. 00:00:52.141 -- 00:00:56.687 Our actual results, capital, liquidity, and financial condition may differ materially 00:00:56.687 -- 00:01:00.933 from these statements due to a variety of factors, including the precautionary statements 00:01:00.933 -- 00:01:05.540 referenced in the preface of our presentation and those included in our most recent annual 00:01:05.540 -- 00:01:08.885 and quarterly reports filed with the SEC. 00:01:08.885 -- 00:01:13.291 Please note that certain information presented is preliminary and based upon data available 00:01:13.291 -- 00:01:18.418...