Hilltop Holdings Inc.

Exhibit 99.1 ​ ​ Investor Relations Contact: ​ Matt Dunn ​ 214-525-4636 ​ mdunn@hilltop.com

​ Hilltop Holdings Inc. Announces Financial Results for Second Quarter 2026 ​ DALLAS - (BUSINESS WIRE) July 23, 2026 - Hilltop Holdings Inc. (NYSE: HTH) ("Hilltop") today announced financial results for the second quarter of 2026. Hilltop produced income attributable to common stockholders of $36.5 million, or $0.63 per diluted share, for the second quarter of 2026, compared to $36.1 million, or $0.57 per diluted share, for the second quarter of 2025. ​ Hilltop also announced that its Board of Directors declared a quarterly cash dividend of $0.22 per common share, a 10% increase from the prior quarter, payable on August 21, 2026 to all common stockholders of record as of the close of business on August 7, 2026. Additionally, during the second quarter of 2026, Hilltop paid $47.0 million to repurchase an aggregate of 1,250,000 shares of its common stock at an average price of $37.58 per share pursuant to the 2026 stock repurchase program. These shares were returned to the pool of authorized but unissued shares of common stock. ​ Furthermore, in July 2026, the Hilltop Board of Directors authorized an increase to the aggregate amount of common stock that Hilltop may repurchase under the aforementioned stock repurchase program to $200.0 million, an increase of $75.0 million. As a result of share repurchases during 2026, Hilltop has approximately $106 million of available share repurchase capacity through the expiration of the 2026 stock repurchase program in January 2027. ​ The extent of the impact of uncertain economic conditions on our financial performance during the remainder of 2026 will depend in part on developments outside of our control, including, among others, changes in the political environment, the impact of tariffs and reciprocal tariffs, the timing and significance of further changes in U.S. Treasury yields and mortgage interest rates, and a volatile economic forecast. These conditions, coupled with exposure to changes in funding costs, inflationary pressures, elevated energy prices, and international armed conflicts and their impact on supply chains within our business segments during the second quarter of 2026 have had, and are expected to continue to have, an adverse impact on our operating results during the remainder of 2026. ​ Jeremy B. Ford, Chairman, President and CEO of Hilltop, said, "During the second quarter of 2026, Hilltop delivered a 1% return on average assets and returned approximately $59 million to stockholders through dividends and share repurchases. At PlainsCapital Bank, continued core loan growth and an expansion in net interest margin drove a 1.3% return on average assets and $51 million of pre-tax income. PrimeLending realized a $2 million pre-tax loss on $2.4 billion of origination volume as the mortgage market faced a subdued start to the summer buying season primarily due to the recent increase in mortgage rates. HilltopSecurities produced a 10% pre-tax margin on $124 million of net revenues to deliver $12 million of pre-tax income, which was primarily driven by strong quarters in its Wealth Management and Structured Finance business lines. As we look to the second half of 2026, we expect to continue to execute on our strategic priorities while prudently managing capital and creating long-term value for our stockholders." ​ Second Quarter 2026 Highlights for Hilltop: ​ ● The reversal of credit losses was $1.0 million during the second quarter of 2026, compared to a provision for credit losses of $1.8 million in the first quarter of 2026 and a reversal of credit losses of $7.3 million in the second quarter of 2025;

o The reversal of credit losses during the second quarter of 2026 was primarily driven by changes in the U.S. economic outlook associated with collectively evaluated loans and loan portfolio changes, partially offset by a build in the allowance related to specific reserves within the banking segment since the prior quarter.

● For the second quarter of 2026, net gains from sale of loans and other mortgage production income and mortgage loan origination fees was $78.9 million, compared to $80.7 million in the second quarter of 2025, a 2.2% decrease;

o Mortgage loan origination production volume was $2.4 billion during the second quarter of 2026, compared to $2.4 billion during the second quarter of 2025;

o Net gains from mortgage loans sold to third parties, including broker fee income, decreased to 229 basis points during the second quarter of 2026, compared to 261 basis points in the first quarter of 2026.

● Hilltop's consolidated annualized return on average assets and return on average stockholders' equity for the second quarter of 2026 were 0.99% and 6.89%, respectively, compared to 0.98% and 6.62%, respectively, for the second quarter of 2025;

● Hilltop's book value per common share increased to $37.12 at June 30, 2026, compared to $36.63 at March 31, 2026 ;

● Hilltop's total assets were $16.0 billion and $15.7 billion at June 30, 2026 and March 31, 2026, respectively;

● Loans 1 , net of allowance for credit losses, were $8.2 billion and $8.0 billion at June 30, 2026 and March 31, 2026, respectively;

● Non-accrual loans were $54.8 million, or 0.57% of total loans, at June 30, 2026, compared to $61.0 million, or 0.66% of total loans, at March 31, 2026;

● Loans held for sale increased by 24.3% from March 31, 2026 to $1.0 billion at June 30, 2026;

● Total deposits 2 were $10.5 billion at each of June 30, 2026 and March 31, 2026;

● Hilltop maintained strong capital levels with a Tier 1 Leverage Ratio 3 of 12.73% and a Common Equity Tier 1 Capital Ratio of 18.34% at June 30, 2026;

● Hilltop's consolidated net interest margin 4 increased to 3.21% for the second quarter of 2026, compared to 3.13% in the first quarter of 2026;

● For the second quarter of 2026, noninterest income was $200.0 million, compared to $192.6 million in the second quarter of 2025, a 3.8% increase;

● For the second quarter of 2026, noninterest expense was $266.7 million, compared to $261.2 million in the second quarter of 2025, a 2.1% increase; and

● Hilltop's effective tax rate was 24.2% during the second quarter of 2026, compared to 23.4% during the same period in 2025.

o The effective tax rate for the second quarter of 2026 was higher than the applicable statutory rate primarily due to the impact of nondeductible expenses, nondeductible compensation expense and other permanent adjustments, partially offset by investments in tax-exempt instruments.

​ 1 "Loans" reflect loans held for investment excluding broker-dealer margin loans, net of allowance for credit losses, of $406.3 million and $361.0 million at June 30, 2026 and March 31, 2026, respectively. 2 Total deposits at June 30, 2026 included estimated uninsured deposits of $5.7 billion, or approximately 55% of total deposits, while estimated uninsured deposits, excluding collateralized deposits of $580.0 million and internal accounts of $388.6 million, were $4.8 billion, or approximately 45% of total deposits.

3 Based on the end of period Tier 1 capital divided by total average assets during the quarter, excluding goodwill and intangible assets.

4 Net interest margin is defined as net interest income divided by average interest-earning assets. ​

Consolidated Financial and Other Information ​ ​

(1) At June 30, 2026, the amortized cost of the available for sale securities portfolio was $1,519,183, while the fair value of the held to maturity securities portfolio was $686,724.

(1) During the three months ended December 31, 2025, certain financial statement line items within the noninterest income section of the consolidated income statement were reclassified to better align disclosures to business activities. These reclassifications were applied retrospectively to all prior periods presented. Total noninterest income did not change as a result of these reclassifications.

(1) Net interest margin is defined as net interest income divided by average interest-earning assets.

(2) Net interest margin (taxable equivalent), a non-GAAP measure, is defined as taxable equivalent net interest income divided by average interest-earning assets. Taxable equivalent adjustments are based on the applicable 21% federal income tax rate for all periods presented. The interest income earned on certain earning assets is completely or partially exempt from federal income tax. As such, these tax-exempt instruments typically yield lower returns than taxable investments. To provide more meaningful comparisons of net interest margins for all earning assets, we use net interest income on a taxable-equivalent basis in calculating net interest margin by increasing the interest income earned on tax-exempt assets to make it fully equivalent to interest income earned on taxable investments. The taxable equivalent adjustments to interest income for Hilltop (consolidated) were $0.8 million, $0.8 million, $0.8 million, $1.0 million and $0.8 million, respectively, for the periods presented and for the banking segment were $0.1 million, $0.2 million, $0.1 million, $0.3 million and $0.1 million, respectively, for the periods presented.

(3) Dividend payout ratio is defined as cash dividends declared per common share divided by basic earnings per common share.

(4) Net revenue is defined as the sum of total broker-dealer net interest income and total broker-dealer noninterest income.

(5) Pre-tax margin is defined as income before income taxes divided by net revenue.

(6) Net gains from mortgage loans sold to third parties reflects provisions for anticipated indemnification claims and penalties for early payoff of loans which had the effect of lowering such net gains from mortgage loans sold to third parties by 8, 7, 8, 9 and 7 basis points, respectively, for the periods presented.

(7) Broker fee income is earned by the mortgage origination segment for facilitating mortgage loan transactions between PrimeLending customers and third-party mortgage lenders when the requested loan products are not offered by PrimeLending.

(8) Reported on a consolidated basis and therefore does not include mortgage servicing rights assets related to loans serviced for the banking segment, which are eliminated in consolidation.

(1) Loans past due 90 days or more and still accruing were primarily comprised of loans held for sale and guaranteed by U.S. government agencies, including loans that are subject to repurchase, or have been repurchased, by PrimeLending.

​ ​ ​ ​ (1) Information presented on a consolidated basis (dollars in thousands).

(2) Average balance includes non-accrual loans.

(3) Presented on a taxable-equivalent basis with annualized taxable equivalent adjustments based on the applicable 21% federal income tax rate for the periods presented. The adjustment to interest income was $0.8 million and $0.8 million for the three months ended June 30, 2026 and 2025, respectively.