Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 1-31987 Hilltop Holdings Inc. (Exact name of registrant as specified in its charter) Maryland 84-1477939 (State or other jurisdiction of incorporation or (I.R.S. Em ...

Hilltop Holdings Inc. (NYSE:HTH) Q2 2023 Earnings Conference Call July 21, 2023 9:00 AM ET Company Participants Jeremy Ford - President, Chief Executive Officer William Furr - Chief Financial Officer Erik Yohe - Executive Vice President Conference Call Participants Thomas Wendler - Stephens, Inc Stephen Scouten - Piper Sandler Woody Lay - KBW Carl Gatenio - Raymond James & Associates Operator Good morning, ladies and gentlemen, and welcome to the Hilltop Holdings, Second Quarter 2023 Earnings Conference Cal ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 1-31987 Hilltop Holdings Inc. (Exact name of registrant as specified in its charter) Maryland 84-1477939 (State or other jurisdiction of incorporation or (I.R.S. E ...

Hilltop Holdings Inc. (NYSE:HTH) Q1 2023 Earnings Conference Call April 21, 2023 9:00 AM ET Company Participants Erik Yohe – Executive Vice President of Corporate Development Jeremy Ford – President and Chief Executive Officer William Furr – Chief Financial Officer Conference Call Participants Brady Gailey – KBW Brad Milsaps – Piper Sandler Thomas Wendler – Stephens, Inc. Operator Ladies and gentlemen, welcome to the Hilltop Holdings First Quarter 2023 Earnings Conference Call and Webcast. My name is Glenn, ...

Provision Expense / (Reversal) • Full year provision/ total loans HFI: 10 – 25 basis points Effective Tax Rate (GAAP) • 22 – 24% full year basis 14 Appendix HilltopHoldings True 15 PlainsCapital Bank – Q1 2023Highlights | --- | --- | --- | --- | --- | --- | |--------------------------------------------------------------------------|---------|--------------|-------------------------------------|---------|---------| | Summary Results ($ in millions) | Q1 2022 | Q1 2023 | Key Highlights | Q1 2022 | Q1 2023 | | ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-31987 Hilltop Holdings Inc. (Exact name of registrant as specified in its charter) Maryland 84-1477939 (State or other jurisdicti ...

Financial Data and Key Metrics Changes - Hilltop reported consolidated income attributable to common stockholders of approximately $113 million or $1.60 per diluted share for the full year 2022, with a return on average assets of 0.6% and return on average equity of 5% [25][29] - Net interest income for the fourth quarter was $123 million, reflecting an increase of $19 million or 18% compared to the prior year, driven by higher yields on loans and securities [59] - The allowance for credit losses increased to $95 million, yielding an ACL to total loans HFI ratio of 1.18% as of year-end 2022 [9][78] Business Line Data and Key Metrics Changes - PlainsCapital Bank generated $58 million in pretax income with a return on average assets of 1.3%, although pretax income was down year-over-year due to changes in provision expense [75] - HilltopSecurities generated pre-tax income of $19.8 million on net revenues of $107 million, an increase of 13% compared to Q4 2021, primarily driven by fixed income services [76] - PrimeLending experienced a loss before taxes of approximately $26 million on $2 billion of originated volume, driven by a 59% decline in volume and a 151 basis point reduction in gain on sale margin [55] Market Data and Key Metrics Changes - Average total deposits decreased by approximately $1 billion or 8% year-over-year, with a decline in average deposits of $270 million or 2% quarter-over-quarter [33][54] - Purchase mortgage volumes decreased by $1.7 billion or 47%, and refinanced volumes decreased by $1.3 billion or 90% compared to the prior year [31] - The competitive environment for liquidity is expected to drive deposit rates higher throughout 2023, impacting net interest income [13][26] Company Strategy and Development Direction - The company is focused on enhancing productivity and expense efficiency across all business lines, particularly in mortgage operations, to align with current market conditions [7] - Hilltop aims to maintain a solid financial foundation with a strong balance sheet and ample liquidity, allowing for investment in business and resilience through economic cycles [77] - The company plans to continue evaluating its business on a weekly and quarterly basis to adapt to production trends and market conditions [85] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism for 2023, citing a solid foundation and strong leadership across Texas, despite acknowledging challenges in the mortgage market [5][57] - The management anticipates continued pressure on the mortgage segment due to rising interest rates and inflation, but expects to reach breakeven or profitability in the second half of the year [86] - The company is closely monitoring credit quality, with no significant signs of deterioration currently, but remains cautious due to economic uncertainties [5][9] Other Important Information - Hilltop returned $485 million to shareholders through dividends and share repurchase efforts, repurchasing approximately 19% of the shares outstanding [56] - The company declared a quarterly cash dividend of $0.16 per common share, a 7% increase from the prior quarter, and authorized a new stock repurchase program of $75 million [56] Q&A Session Summary Question: Steps taken to reduce the cost base in the Mortgage segment - Management indicated ongoing vigilance around cost management and rightsizing the business to drive profitability, with significant reductions in non-originator headcount [14][16] Question: Trajectory for margin trends - Management expects modest improvements in net interest income and net interest margin through the first half of 2023, with potential moderation in the second half due to competitive pressures [38][68] Question: Credit metrics and loan segments under review - Management is closely monitoring the entire loan portfolio, particularly floating rate loans and segments like office and hotel portfolios, due to the impact of rising interest rates [93][94] Question: Deposit guidance and balance sheet size - Management anticipates average deposits to decline by 4% to 8% for the year, with expectations that the overall size of the balance sheet will remain similar year-on-year [95]

January 27, 2023 Corporate Headquarters Additional Information Please Contact: Erik Yohe Phone: 214-525-4634 Email: eyohe@hilltop-holdings.com This presentation and statements made by representatives of Hilltop Holdings Inc. ("Hilltop" or the "Company") during the course of this presentation include "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements involve known and unknown risks, uncertainties and other factors that may ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 1-31987 Hilltop Holdings Inc. (Exact name of registrant as specified in its charter) Maryland 84-1477939 (State or other jurisdiction of incorporation or (I.R. ...

Hilltop Holdings Inc. Q3 2022Earnings Presentation October 21, 2022 Preface Corporate Headquarters Additional Information 6565 Hillcrest Ave Dallas, TX 75205 Phone: 214-855-2177 www.hilltop-holdings.com Please Contact: Erik Yohe Phone: 214-525-4634 Email: eyohe@hilltop-holdings.com FORWARD-LOOKING STATEMENTS This presentation and statements made by representatives of Hilltop Holdings Inc. ("Hilltop" or the "Company") during the course of this presentation include "forward-looking statements" within the mean ...