Hilltop Holdings Results Presentation Deck

Hilltop Holdings - Allowance for Credit Losses ($ in millions) 7 ACL/Total Loans HFI ● ● ● $95.4 1.18% 12/31/2022 $97.4 1.19% 3/31/2023 $109.3 1.31% 6/30/2023 Allowance for Credit Losses at Period End Commentary $110.8 1.35% 9/30/2023 $2.7 Specific Reserves Applied Moody's Analytics December 2023 single macroeconomic alternative (S7) scenario for economic forecast Reserve builds driven by increases in specific reserves and net portfolio changes, partially offset by improvements to the U.S. economic outlook since the prior quarter ACL % of Loans HFI excluding broker-dealer margin loans and mortgage warehouse loans equated to 1.47% as of December 31, 2023 $0.6 Collective - Portfolio Changes ($2.0) Collective - Economic Conditions ($0.7) Net Charge-Off ($ in millions) Commercial real estate Non-owner occupied Owner occupied Commercial and industrial Construction and land development 1-4 family residential $111.4 Consumer Broker-dealer Mortgage warehouse lending Total 12/31/23 Reserve Composition 1.38% 12/31/2023 ACL $40.1 $28.1 $20.8 $12.1 $9.5 $0.6 $0.1 $0.1 $111.4 ACL/Loans HFI 2.12% 1.98% 1.44% 1.17% 0.54% 2.37% 0.03% 0.05% 1.38% Hilltop Holdings

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