Hilltop Holdings Results Presentation Deck

Hilltop Holdings - Loans ($ in billions) $8.1 $0.2 $1.3 $0.4 $6.1 Loan Mix at Period End Q4 2022 $8.2 $0.2 $1.4 $0.4 $6.2 $8.4 $0.3 $1.4 $0.4 $6.3 $8.2 $0.2 $1.4 $0.4 $6.2 $8.1 $0.2 $1.3 $0.3 $6.2 1 Average Loans HFI Balance ($B) Annualized Loan HFI Yield % 22% 13% Key Drivers & Statistics 4% Gross Loans HFI by Type at 12/31/23 20% 23% Q4'22 Q3'23 $7.8 $8.0 5.42% 6.31% 18% ■CRE - Non-owner occupied ■CRE - Owner occupied Commercial and industrial Q4'23 $7.9 6.27% Q1 2023 Q2 2023 Q3 2023 Q4 2023 Mortgage Warehouse Lending 1-4 Family Prime Lending Retained Mortgages Broker-Dealer Loans ■All Other Loans Notes: (1) 1-4 Family PrimeLending Retained Mortgages are loans purchased at par by PlainsCapital Bank from PrimeLending. These are exclusive of the 1-4 family residential mortgages originated through PlainsCapital Bank. The sum of the period amounts may not equal the total amounts due to rounding. 15 Hilltop Holdings. - Construction and land development 1-4 family residential & Consumer Margin loans at Broker-Dealer

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