Hilltop Holdings Results Presentation Deck

Hilltop Holdings - Allowance for Credit Losses ($ in millions) ACL/Total Loans HFI ● ● ● $95.3 1.20% 6/30/2022 $91.8 1.16% 9/30/2022 $95.4 1.18% 12/31/2022 Allowance for Credit Losses at Period End Commentary $97.4 1.19% 3/31/2023 $7.7 Collective - Economic Conditions Applied Moody's Analytics June 2023 single macroeconomic alternative (S7) scenario for economic forecast Reserve builds (releases) driven by new loan production, higher rates and slower expected GDP growth in 2023-2024 ACL % of Loans HFI excluding broker-dealer margin loans and mortgage warehouse loans equated to 1.41% as of June 30, 2023 $5.2 Collective - Portfolio Changes $1.9 Specific Reserves ($2.9) Net Charge-Off $109.3 ($ in millions) Commercial real estate Commercial and industrial Construction and land development 1-4 family residential Consumer Broker-dealer Mortgage warehouse lending Total Reserve 1.31% 6/30/2023 6/30/23 Reserve Composition Reserve $71.5 $17.1 $7.4 $11.6 $0.6 $0.9 $0.2 $109.3 ACL/Loans HFI 2.18% 1.17% 0.68% 0.64% 2.31% 0.25% 0.05% 1.31% Hilltop Holdings.

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