Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 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
		September 30, 2026					December 31, 2025					Buffer		Capitalized
		Amount			Ratio		Amount			Ratio		Ratio		Ratio
Tier 1 capital (to average assets):
PlainsCapital		$	1,206,261		9.74	%	$	1,320,094		10.60	%	4.0	%	5.0	%
Hilltop			1,931,904		12.63	%		1,975,226		12.78	%	4.0	%	N/A
Common equity Tier 1 capital (to risk-weighted assets):
PlainsCapital			1,206,261		12.83	%		1,320,094		14.49	%	7.0	%	6.5	%
Hilltop			1,931,904		18.28	%		1,975,226		19.70	%	7.0	%	N/A
Tier 1 capital (to risk-weighted assets):
PlainsCapital			1,206,261		12.83	%		1,320,094		14.49	%	8.5	%	8.0	%
Hilltop			1,931,904		18.28	%		1,975,226		19.70	%	8.5	%	N/A
Total capital (to risk-weighted assets):
PlainsCapital			1,308,798		13.92	%		1,421,007		15.60	%	10.5	%	10.0	%
Hilltop			2,184,543		20.66	%		2,226,165		22.20	%	10.5	%	N/A

Schedule of net capital position

At September 30, 2026, the net capital position of each of the Hilltop Broker-Dealers was as follows (in thousands).


					Momentum
		Hilltop			Independent
		Securities			Network
Net capital		$	167,341		$	7,520
Less: required net capital			7,923			325
Excess net capital		$	159,418		$	7,195

Net capital as a percentage of aggregate debit items			42.2	%
Net capital in excess of 5% aggregate debit items		$	147,533