Hilltop Holdings (HTH) is a public company. Hilltop Holdings is a Dallas-based financial holding company focused on providing business and consumer banking services from offices located throughout Texas through PlainsCapital Bank, the seventh largest Texas-based bank by deposits. PlainsCapital Bank’s wholly owned subsidiary, PrimeLending, provides residential mortgage lending throughout the United States. Hilltop Holdings’ broker-dealer subsidiaries, Hilltop Securities Inc. and Hilltop Securities Independent Network Inc., provide a full complement of securities brokerage, institutional and investment banking services in addition to clearing services and retail financial advisory. The Hilltop Holdings family of companies employs approximately 4,800 people and operated approximately 420 locations in 48 states. It has 497 employees.

Transcript

Operator

Hello, everyone. Thank you for joining us, and welcome to Hilltop Holdings' second quarter 2026 earnings conference call. After today's prepared remarks, we will host a question and answer session. If you would like to ask a question, please press star one to raise your hand. To withdraw your question, press star one again. I will now hand the conference over to Matt Dunn, Corporate Development Officer and Head of Investor Relations. Matt, please go ahead.

Matt Dunn — Corporate Development Officer and Head of Investor Relations

Thank you. Before we get started, please note that certain statements during today's presentation that are not statements of historical fact, including statements concerning such items as our outlook, business strategy, future plans, financial condition, credit risks and trends in credit, allowance for credit losses, liquidity and sources of funding costs, dividends, stock repurchases, subsequent events, and impacts of interest rate changes, as well as such other items referenced in the preface of our presentation are forward-looking statements. These statements are based on management's current expectations concerning future events that, by their nature, are subject to risks and uncertainties. Our actual results, capital, liquidity, and financial condition may differ materially from these statements due to a variety of factors, including the precautionary statements referenced in the preface of our presentation and those included in our most recent annual and quarterly reports filed with the SEC. Please note that certain