Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2026

Regulatory Matters

Schedule of actual capital amounts and ratios in accordance with Basel III compared to the regulatory minimum capital requirements including conservation buffer ratio in effect at the end of the period

The following table shows PlainsCapital’s and Hilltop’s actual capital amounts and ratios in accordance with Basel III compared to the regulatory minimum capital requirements including the conservation buffer ratio in effect at the end of the period (dollars in thousands)

									Minimum
									Capital
									Requirements
									Including
									Conservation		To Be Well
	March 31, 2026				December 31, 2025				Buffer		Capitalized
	Amount		Ratio		Amount		Ratio		Ratio		Ratio
Tier 1 capital (to average assets):
PlainsCapital	$	1,169,969	9.54	%	$	1,320,094	10.60	%	4.0	%	5.0	%
Hilltop		1,954,818	12.82	%		1,975,226	12.78	%	4.0	%	N/A
Common equity Tier 1 capital (to risk-weighted assets):
PlainsCapital		1,169,969	12.71	%		1,320,094	14.49	%	7.0	%	6.5	%
Hilltop		1,954,818	19.08	%		1,975,226	19.70	%	7.0	%	N/A
Tier 1 capital (to risk-weighted assets):
PlainsCapital		1,169,969	12.71	%		1,320,094	14.49	%	8.5	%	8.0	%
Hilltop		1,954,818	19.08	%		1,975,226	19.70	%	8.5	%	N/A
Total capital (to risk-weighted assets):
PlainsCapital		1,267,171	13.77	%		1,421,007	15.60	%	10.5	%	10.0	%
Hilltop		2,202,053	21.50	%		2,226,165	22.20	%	10.5	%	N/A

Schedule of net capital position

At March 31, 2026, the net capital position of each of the Hilltop Broker-Dealers was as follows (in thousands).

				Momentum
	Hilltop			Independent
	Securities			Network
Net capital	$	227,742		$	6,199
Less: required net capital		6,596			393
Excess net capital	$	221,146		$	5,806
Net capital as a percentage of aggregate debit items		69.1	%
Net capital in excess of 5% aggregate debit items	$	211,252