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New words:
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Removed:
addressed, adition, affecting, annuity, chain, commonly, discussing, disruption, dropped, education, elevated, favorable, governing, highlighted, importance, impose, incurred, insured, landscape, legacy, lender, Moody, profitability, prospective, recession, reduced, reevaluate, reexamine, refinance, reinforcing, replenish, restructuring, seasonal, Silicon, Subtopic, supply, swaption, taxable, TDR, treated, unfolded, unhedged, unpredictable, Valley, Vintage, wake
Financial report summary
?Competition
VeritexRisks
- Governmental monetary and fiscal policies may adversely affect the financial services industry and therefore impact our financial condition and results of operations.
- Volatility and disruptions in global capital and credit markets may adversely impact our business, financial condition and results of operations.
- Adverse developments affecting the financial services industry, including bank failures and the resulting liquidity concerns, may have a material effect on our business, financial condition, results of operations, or cash flows.
- The soundness of other financial institutions could adversely affect us.
- Changes in regulation or oversight may have a material adverse impact on our operations.
- We are subject to liquidity risk in our operations, which could adversely impact our ability to fund various obligations.
- We face cybersecurity risks, including attacks targeting our systems and customers' systems.
- Operational difficulties, including failure of technology infrastructure, could adversely affect our business and operations.
- Changes in the financial markets, including fluctuations in interest rates and their impact on deposit pricing, could adversely affect our net interest income and financial condition.
- Legal and regulatory proceedings and related matters with respect to the financial services industry, including those directly involving us, could adversely affect us or the financial services industry in general.
- Methods of reducing risk exposures might not be effective.
- We have credit risk inherent in our loan portfolios, and our allowance for credit losses may not be sufficient to cover actual credit losses.
- We have credit risk in our securities portfolio.
- Our mortgage-banking revenues are susceptible to substantial variations, due in part to factors we do not control, such as market interest rates.
- Our parent company must rely on dividends or returns of capital from our bank for most of its cash flow.
- Any future strategic acquisitions or divestitures may present additional risks to our business and operations.
- Compliance with capital requirements may adversely affect us.
- Declines in the businesses or industries of our customers could cause increased credit losses, which could adversely affect us.
- The introduction, implementation, withdrawal, success and timing of business initiatives and strategies may be less successful or may be different than anticipated, which could adversely affect our business.
- We may not be able to utilize technology to efficiently and effectively develop, market, and deliver new products and services to our customers.
- Competitive product and pricing pressures among financial institutions within our markets may change.
- Changes in customer behavior may adversely impact our business, financial condition and results of operations.
- Our ability to maintain and expand customer relationships may differ from expectations.
- Our ability to retain key officers and employees may change.
- Catastrophic events, including, but not limited to, hurricanes, tornadoes, earthquakes, fires, floods, and pandemic outbreaks may adversely affect the general economy, financial and capital markets, specific industries, and us.
- Our failure to appropriately apply certain critical accounting policies could result in our misstatement of our financial results and condition.