Veritex (VBTX) Q4 2024 Earnings Call January 29, 2025 09:30 AM ET Company Participants William Fallon - Board MemberMalcolm Holland - Chairman, President & CEOCurtis Anderson - Senior EVP & Chief Credit OfficerTerry Earley - CFOMatt Olney - Managing DirectorMark Shutley - Research AssociateTim Mitchell - Equity Research AssociateAhmad Hasan - Equity Research Associate Conference Call Participants Stephen Scouten - MD & Senior Research Analyst Operator Good morning, and welcome to the Veritex Holdings Fourth ...