# Hilltop Holdings competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/hilltop/competitors
Last updated: Oct 19, 2026

*Part of the [Hilltop Holdings AI strategy profile](https://www.bankingnewsai.com/banks/hilltop). Peer group: Texas Capital Bancshares, Cullen/Frost Bankers, Prosperity Bancshares, Raymond James Financial, Stifel Financial (Stifel Bank & Trust), First Horizon, First Financial Bankshares, BancFirst Corporation.*

## Who are Hilltop Holdings's competitors, and what are the alternatives?

Hilltop's 2025 10-K, filed February 13, 2026, describes competition separately for each of its three businesses. PlainsCapital Bank, which conducts substantially all of its banking in Texas, competes with national, regional and community banks and increasingly with internet-based competitors and fintechs. At June 30, 2025 it held $10.49 billion of Texas deposits in 56 offices, 16th in the state, behind JPMorgan Chase ($296.1 billion, 481 offices), Bank of America, Wells Fargo, Frost ($42.17 billion, 213 offices), Texas Capital and Prosperity (FDIC). In its Dallas home market, PlainsCapital's $4.76 billion compares with Texas Capital's $13.12 billion. PrimeLending, licensed in all 50 states, competes with large financial institutions, independent mortgage banks and fintechs; the largest of those is Rocket Mortgage, the nation's largest originator by loan units, which describes an AI-powered homeownership platform. HilltopSecurities competes with national and regional investment banks and broker-dealers such as Raymond James and Stifel, whose public finance group underwrites state and municipal bonds, and, its 10-K says, with discount brokers including fintech startups such as Robinhood. Its clearing group, serving 93 financial organizations, meets clearing firms such as Apex Fintech Solutions. The 10-K's own summary of the threat is that AI and automation 'have lowered the barriers to entry for financial technology companies'. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A19100%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000023/hood-20251231.htm), [Apex Fintech Solutions](https://apexfintechsolutions.com/press-releases/apex-fintech-solutions-unveils-apex-ai-suite-empowering-business-leaders-to-quickly-build-financial-infrastructure-drive-product-innovation))

## What does Hilltop say about its competition?

"We face significant competition in the business segments in which we operate and the geographic markets we serve. Many of our competitors have substantially greater financial resources, lending limits and branch networks than we do, and offer a broader range of products and services." ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm))

"Our banking segment primarily competes with national, regional and community banks within the various markets where the Bank operates. The Bank also faces competition from many other types of financial institutions, including savings and loan associations, credit unions, finance companies, pension trusts, mutual funds, insurance companies, brokerage and investment banking firms, asset-based non-bank lenders, government agencies and certain other non-financial institutions. ... Competition for deposits and lending services is also increasing from internet-based competitors and fintech companies." ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm))

"Within our broker-dealer segment, we face significant competition based on a number of factors, including price, perceived expertise, quality of advice, reputation, range of services and products, technology, innovation and local presence. ... Our broker-dealer business competes directly with numerous other financial advisory and investment banking firms, broker-dealers and banks, including large national and major regional firms and smaller niche companies, some of whom are not broker-dealers and, therefore, are not subject to the broker-dealer regulatory framework. Further, our broker-dealer segment competes with discount brokerage firms, including fintech startups, that do not offer equivalent services but offer discounted prices and certain free services." ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm))

"Our competitors in the mortgage origination business include large financial institutions as well as independent mortgage banking companies, commercial banks, savings banks, savings and loan associations and fintech companies. Our mortgage origination segment competes on a number of factors including customer service, quality and range of products and services offered, price, reputation, interest rates, closing process and duration, and loan origination fees." ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm))

"Overall, competition among providers of financial products and services continues to increase as technological advances, including artificial intelligence and automation, have lowered the barriers to entry for financial technology companies, with consumers having the opportunity to select from a growing variety of traditional and nontraditional alternatives, including online checking, savings and brokerage accounts, online lending, online insurance underwriters, crowdfunding, digital wallets, and money transfer services." (2025 Form 10-K, filed February 13, 2026.) ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm))

## Who competes with Hilltop in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Texas banking (PlainsCapital Bank) | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | The largest holder of Texas deposits at June 30, 2025, with $296.1 billion (19.76%) in 481 offices, and $92.68 billion in 189 Dallas-Fort Worth offices (FDIC); a national bank of the kind Hilltop's 10-K says has greater resources and branch networks. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A19100%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |
| Home region: Texas banking (PlainsCapital Bank) | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Held $182.3 billion of Texas deposits in 320 offices at June 30, 2025, including $136.6 billion in 120 Dallas-Fort Worth offices (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A19100%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: Texas banking (PlainsCapital Bank) | [Frost Bank](https://www.bankingnewsai.com/banks/frost) | Bank | The largest Texas-headquartered commercial bank by Texas deposits, with $42.17 billion in 213 offices at June 30, 2025, including 65 offices in Dallas-Fort Worth; it planned about 15 new Texas branches in 2026. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A19100%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) |
| Home region: Texas banking (PlainsCapital Bank) | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Bank | A fellow Dallas-headquartered bank with $13.12 billion of Dallas-Fort Worth deposits against PlainsCapital's $4.76 billion (June 30, 2025), serving business clients with commercial, real-estate and treasury products. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A19100%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm)) |
| Home region: Texas banking (PlainsCapital Bank) | [Prosperity Bank](https://www.bankingnewsai.com/banks/prosperity) | Bank | Ran 296 Texas offices with $26.34 billion of deposits at June 30, 2025, including 62 in Dallas-Fort Worth, and agreed in January 2026 to buy Houston rival Stellar Bancorp for $2 billion. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A19100%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal)) |
| Mortgage origination and warehouse lending (PrimeLending) | Rocket Mortgage (Rocket Companies) | Non-bank lender | An independent mortgage lender and fintech of the kind Hilltop's 10-K names; Rocket's 2025 10-K calls Rocket Mortgage the nation's largest mortgage originator by loan units and largest servicer, with $2.1 trillion of unpaid principal at December 31, 2025. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm)) |
| Mortgage origination and warehouse lending (PrimeLending) | [Texas Capital (mortgage finance)](https://www.bankingnewsai.com/banks/texas-capital) | Bank | Texas Capital's 10-K lists mortgage warehouse lending and mortgage finance services among its business lines; PlainsCapital also provides short-term warehouse lines to independent mortgage bankers ($257 million at December 31, 2025). ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |
| Mortgage origination and warehouse lending (PrimeLending) | [Frost Bank (home lending)](https://www.bankingnewsai.com/banks/frost) | Bank | American Banker reported in May 2026 on how AI supports Frost's mortgage growth plans; Texas, where Frost runs 213 offices, produced 30.2% of PrimeLending's 2025 volume. ([American Banker](https://www.americanbanker.com/news/how-ai-is-supporting-bank-mortgage-growth-plans), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |
| Public finance and fixed income (HilltopSecurities) | [Stifel](https://www.bankingnewsai.com/banks/stifel-bank) | Broker or asset manager | Stifel's 10-K says its public finance group acts as an underwriter and dealer in bonds issued by states, cities and other political subdivisions, the market where HilltopSecurities is the No. 2 municipal advisor by number of issues over ten years (LSEG). ([Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm), [HilltopSecurities](https://hilltopsecurities.com/insight/wall-street-has-its-bull-hilltopsecurities-has-its-buffalo)) |
| Public finance and fixed income (HilltopSecurities) | [First Horizon (FHN Financial)](https://www.bankingnewsai.com/banks/first-horizon) | Bank | First Horizon's 10-K says its fixed income business serves depositories including banks, thrifts and credit unions; HilltopSecurities' fixed income line provides asset and liability management advisory services to community banks. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |
| Public finance and fixed income (HilltopSecurities) | [SouthState (correspondent division)](https://www.bankingnewsai.com/banks/southstate) | Bank | SouthState's correspondent and capital markets division serves over 1,200 community financial institutions, credit unions and money managers, the community-bank clients HilltopSecurities' fixed income line advises. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |
| Wealth management and retail brokerage (HilltopSecurities, Momentum Independent Network) | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Broker or asset manager | A large national firm of the kind Hilltop's 10-K names, with $1.76 trillion of client assets under administration in April 2026; Hilltop's broker-dealers had about 790 people in 39 locations in 16 states at December 31, 2025. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [GlobeNewswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=1330-9695288en-27GQRFLST7UJC8KSU1DUH53S8N)) |
| Wealth management and retail brokerage (HilltopSecurities, Momentum Independent Network) | [Stifel (Private Client Group)](https://www.bankingnewsai.com/banks/stifel-bank) | Broker or asset manager | A major regional and national broker-dealer with $580.1 billion of client assets at June 30, 2026, ranked first by J.D. Power in employee-adviser satisfaction for four years. ([Stifel Financial](https://stifel.com/investor-relations/DownloadEarningsReleaseFile?fiscalYear=2026&id=263), [Stifel Financial](https://stifel.com/docs/pdf/pressreleases/2026/2026-Stifel-JD-Power-Advisor-Satisfaction-Study.pdf)) |
| Wealth management and retail brokerage (HilltopSecurities, Momentum Independent Network) | [Robinhood](https://www.bankingnewsai.com/fintech/robinhood) | Fintech | A discount brokerage fintech of the kind Hilltop's 10-K says offers discounted prices and free services; its own 10-K says it uses machine learning and AI in support, fraud detection and coding. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000023/hood-20251231.htm)) |
| Wealth management and retail brokerage (HilltopSecurities, Momentum Independent Network) | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Broker or asset manager | A Texas-headquartered discount and full-service broker; its bank subsidiary booked $209.55 billion of deposits at a single Texas office at June 30, 2025, competing for the brokerage and cash balances Hilltop's 10-K says investors can move online. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |
| Clearing and custody for broker-dealers | [Apex Fintech Solutions](https://www.bankingnewsai.com/fintech/apex-fintech-solutions) | Fintech | Apex Clearing custodied more than $229 billion across more than 22 million accounts in January 2026; HilltopSecurities' clearing group provides fully disclosed clearing and custody to 93 financial organizations, including discount brokerage firms and registered investment advisers. ([WealthManagement.com](https://www.wealthmanagement.com/artificial-intelligence/apex-fintech-launches-ai-suite-to-speed-wealth-platform-development), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |

## How do the AI and digital offerings of Hilltop's competitors compare?

Hilltop first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Hilltop Holdings (this page)](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [Index 30.7 (#87); 9 use cases, 6 in production](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly (Oct 7, 2026) ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite: 150,000 weekly users (February 2026) ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Frost Bank](https://www.bankingnewsai.com/banks/frost) | Blend digital account opening: completion rates up from 50% to 80% (August 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | [Index 49.3 (#58); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award (Aug 27, 2026) ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Ranger in-house AI platform used by about 80% of employees ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [Index 49.1 (#60); 12 use cases, 8 in production](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in (Sep 16, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| [Prosperity Bank](https://www.bankingnewsai.com/banks/prosperity) | Real-time core conversion (February 2026); no AI programme named ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade)) | [Index 40 (#71); 8 use cases, 4 in production](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet (Aug 6, 2026) ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| Rocket Mortgage (Rocket Companies) | An 'AI-powered, vertically integrated homeownership ecosystem' with automated data retrieval and advanced underwriting technology ([Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm)) | No profile | Not disclosed |
| [Texas Capital (mortgage finance)](https://www.bankingnewsai.com/banks/texas-capital) | MAP mortgage-asset trading platform with Black Lake Digital Markets (May 2026) ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm)) | [Index 49.1 (#60); 12 use cases, 8 in production](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in (Sep 16, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| [Frost Bank (home lending)](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [Index 49.3 (#58); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award (Aug 27, 2026) ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| [Stifel](https://www.bankingnewsai.com/banks/stifel-bank) | Copilot tools firm-wide; about 70 workflows identified for AI (July 2025) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-stifel-financial-beats-q2-2025-forecasts-as-stock-rises-93CH-4160780)) | [Index 6.5 (#104); 13 use cases, 12 in production](https://www.bankingnewsai.com/banks/stifel-bank) | CEO on CNBC: look at companies benefiting from AI, not just those building it (Oct 7, 2026) ([CNBC](https://cnbc.com/video/2026/10/07/stifel-ceo-ron-kruszewski-we-should-be-looking-at-companies-benefiting-from-ai-not-just-those-building-ai.html)) |
| [First Horizon (FHN Financial)](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN in every employee's hands (September 2026) ([Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760)) | [Index 68.7 (#36); 16 use cases, 7 in production](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months (Oct 1, 2026) ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| [SouthState (correspondent division)](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | [Index 70.9 (#33); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled (Oct 2, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Rai operations agent (6,500 unique users, July 2026) and AI Search for advisors ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/raymond-james-financial-q3-earnings-230545601.html), [GlobeNewswire](https://www.globenewswire.com/news-release/2025/04/17/3063545/0/en/raymond-james-invests-in-service-excellence-with-proprietary-generative-ai-search.html)) | [Index 84.5 (#12); 16 use cases, 14 in production](https://www.bankingnewsai.com/banks/raymond-james) | Meta's Muse reignites the AI selloff (Sep 22, 2026) ([CNBC](https://www.cnbc.com/2026/09/23/metas-muse-ai-causes-schwab-selloff.html)) |
| [Stifel (Private Client Group)](https://www.bankingnewsai.com/banks/stifel-bank) | Stifel's advisor-first AI stance and fund-banking-driven balance sheet ([Stifel Financial](https://stifel.com/investor-relations/DownloadEarningsReleaseFile?fiscalYear=2026&id=263), [TheStreet (Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/stifel-earnings-expose-wall-street-030700080.html), [Stifel](https://stifel.com/Newsletters/AdGraphics/InSight/Outlook/2026/Outlook2026_Artificial-Intelligence.pdf), [GuruFocus (Yahoo Finance)](https://finance.yahoo.com/news/stifel-financial-corp-sf-q2-210257050.html), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm)) | [Index 6.5 (#104); 13 use cases, 12 in production](https://www.bankingnewsai.com/banks/stifel-bank) | CEO on CNBC: look at companies benefiting from AI, not just those building it (Oct 7, 2026) ([CNBC](https://cnbc.com/video/2026/10/07/stifel-ceo-ron-kruszewski-we-should-be-looking-at-companies-benefiting-from-ai-not-just-those-building-ai.html)) |
| [Robinhood](https://www.bankingnewsai.com/fintech/robinhood) | Cortex AI investing tools; Agentic Trading accounts for third-party AI agents (May 2026) ([U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000061/q12026robinhoodexhibit991.htm), [Robinhood](https://robinhood.com/us/en/newsroom/robinhood-is-now-open-to-agents/)) | [8 use cases, 3 in production](https://www.bankingnewsai.com/fintech/robinhood) | Robinhood Agents, weekend trading and perpetual futures unveiled at HOOD Summit (Sep 29, 2026) ([Robinhood](https://robinhood.com/us/en/newsroom/hood-summit-2026/), [Fortune](https://fortune.com/2026/09/29/robinhood-trading-agents-hood-openai-anthropic/)) |
| [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Portfolio Insights generative-AI summaries for retail clients (May 2026) ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) | [Index 80.7 (#19); 19 use cases, 15 in production](https://www.bankingnewsai.com/banks/charles-schwab) | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026) ([Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/)) |
| [Apex Fintech Solutions](https://www.bankingnewsai.com/fintech/apex-fintech-solutions) | Apex AI Suite with an agentic development kit for clearing and custody (January 2026) ([Apex Fintech Solutions](https://apexfintechsolutions.com/press-releases/apex-fintech-solutions-unveils-apex-ai-suite-empowering-business-leaders-to-quickly-build-financial-infrastructure-drive-product-innovation)) | [6 use cases, 5 in production](https://www.bankingnewsai.com/fintech/apex-fintech-solutions) | MOU with Architect's AI Exchange (Sep 24, 2026) ([Apex Fintech Solutions](https://apexfintechsolutions.com/press-releases/architect-financial-technologies-and-apex-fintech-solutions-enter-preliminary-agreement-to-bring-new-us-perpetual-futures-and-options-to-apexs-brokerage-network)) |

## Who should look beyond Hilltop, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want a bank branch outside Texas | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Hilltop's 10-K says PlainsCapital conducts substantially all of its banking operations in Texas. Chase reported 5,083 branches in 2025, and Bank of America runs 3,500 financial centers in more than 100 US markets. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Borrowers who want a fully app-based mortgage from a lender that describes AI underwriting | Rocket Mortgage | PrimeLending originates mainly through a retail channel of about 800 loan officers in over 170 locations. Rocket says clients use the Rocket Mortgage app and website to apply, with automated data retrieval and advanced underwriting technology. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm)) |
| Investors who want a self-directed, low-cost brokerage app with AI tools | [Robinhood or Charles Schwab](https://www.bankingnewsai.com/fintech/robinhood) | HilltopSecurities' retail group works through employee and independent registered representatives. Robinhood offers Cortex AI tools and, since May 2026, accounts that third-party AI agents can trade; Schwab rolled out Portfolio Insights to all self-directed US retail clients by the end of May 2026. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Robinhood](https://robinhood.com/us/en/newsroom/robinhood-is-now-open-to-agents/), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000061/q12026robinhoodexhibit991.htm), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) |
| Advisors who want a wealth platform with a named AI programme and chief AI officer | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Hilltop names no AI leader or tool at its broker-dealers. Raymond James has a chief AI officer (February 2025), an AI operations agent with 6,500 unique users (July 2026) and AI Search for advisors. ([Hilltop Holdings](https://www.hilltop.com/who-we-are/hilltop-leadership/david-rhodes/), [Raymond James via Canada NewsWire (Yahoo Finance)](https://finance.yahoo.com/news/raymond-james-financial-appoints-chief-212200934.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/raymond-james-financial-q3-earnings-230545601.html), [GlobeNewswire](https://www.globenewswire.com/news-release/2025/04/17/3063545/0/en/raymond-james-invests-in-service-excellence-with-proprietary-generative-ai-search.html)) |
| Texas businesses that want a bank with a large branch network across the state | [Frost or Prosperity](https://www.bankingnewsai.com/banks/frost) | PlainsCapital ran 56 Texas offices at June 30, 2025, against 213 for Frost and 296 for Prosperity (FDIC). Frost also reports digital account opening completion rates of 80% on Blend. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) |

## Where does PlainsCapital Bank rank among Texas banks by deposits?

Texas deposits and offices at June 30, 2025, summed by this site from the FDIC's branch-level Summary of Deposits ($1.498 trillion in total). Single-office savings banks of brokerage and insurance groups (Charles Schwab, USAA) and Citibank book very large deposits in Texas and are not shown; the share column is of all Texas deposits.

| Bank | Texas deposits | Share | Texas offices |
| --- | --- | --- | --- |
| JPMorgan Chase | $296.1 billion | 19.76% | 481 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Bank of America | $182.3 billion | 12.17% | 320 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Wells Fargo | $82.07 billion | 5.48% | 463 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Frost Bank | $42.17 billion | 2.81% | 213 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Texas Capital Bank | $26.53 billion | 1.77% | 10 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Prosperity Bank | $26.34 billion | 1.76% | 296 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| First Financial Bank | $12.57 billion | 0.84% | 83 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| PlainsCapital Bank (Hilltop) | $10.49 billion | 0.70% | 56 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |

## How big is each Hilltop business, and who does it meet?

Scale of each segment at December 31, 2025, from Hilltop's 10-K, with the competitor classes the 10-K names.

| Business | Scale (December 31, 2025) | Competitors the 10-K names | Named rivals on this page |
| --- | --- | --- | --- |
| PlainsCapital Bank | $12.7 billion of assets, $11.0 billion of deposits, about 1,030 employees | National, regional and community banks; internet-based competitors and fintechs | JPMorgan Chase, Bank of America, Frost, Texas Capital, Prosperity ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| PrimeLending | About 1,300 staff including about 800 loan officers; $8.9 billion closed in 2025 (85.9% purchase); over 170 locations in 46 states | Large financial institutions, independent mortgage banks, commercial and savings banks, fintechs | Rocket Mortgage, Texas Capital, Frost ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm)) |
| HilltopSecurities and Momentum Independent Network | About 790 people in 39 locations in 16 states; clearing for 93 financial organizations | National and regional investment banks and broker-dealers; discount brokers including fintech startups | Stifel, Raymond James, First Horizon, Robinhood, Charles Schwab, Apex ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [HilltopSecurities](https://hilltopsecurities.com/insight/wall-street-has-its-bull-hilltopsecurities-has-its-buffalo)) |

## Common questions

### Who are Hilltop Holdings' biggest competitors?

It depends on the business. PlainsCapital Bank meets JPMorgan Chase, Bank of America, Frost, Texas Capital and Prosperity in Texas; PrimeLending meets large banks, independent mortgage banks such as Rocket and fintechs; HilltopSecurities meets national and regional broker-dealers and investment banks such as Raymond James and Stifel, plus discount brokers, its 10-K says. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm))

### Is Texas Capital a competitor of Hilltop?

Yes, in Dallas banking and mortgage finance. Both are Dallas-headquartered; Texas Capital held $13.12 billion of Dallas-Fort Worth deposits against PlainsCapital's $4.76 billion at June 30, 2025, and its 10-K lists mortgage warehouse lending, a business PlainsCapital also runs for independent mortgage bankers. On AI, Texas Capital scores 49.1 on this site's index against Hilltop's 30.7. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A19100%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm))

### Who competes with PrimeLending?

Hilltop's 10-K names large financial institutions, independent mortgage banking companies, commercial banks, savings banks and fintech companies. Rocket Mortgage, which its 10-K calls the nation's largest mortgage originator by loan units, is the largest independent. PrimeLending closed $8.9 billion in 2025 from over 170 locations in 46 states, with 30.2% of volume from Texas. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm))

### Who competes with HilltopSecurities in public finance?

Other municipal advisors and underwriters, including the public finance groups of national and regional broker-dealers. Stifel's 10-K says its public finance group underwrites and deals in bonds of states, cities and other political subdivisions. HilltopSecurities ranks No. 2 among US municipal advisors by number of issues over the ten years to December 31, 2025, per LSEG. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm), [HilltopSecurities](https://hilltopsecurities.com/insight/wall-street-has-its-bull-hilltopsecurities-has-its-buffalo))

### Is Robinhood a competitor of HilltopSecurities?

By category. Hilltop's 10-K says its broker-dealer competes with discount brokerage firms, including fintech startups, that offer discounted prices and certain free services. Robinhood is the largest such fintech on this site; it launched Agentic Trading accounts for third-party AI agents in May 2026. Neither company names the other. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Robinhood](https://robinhood.com/us/en/newsroom/robinhood-is-now-open-to-agents/))

### What are alternatives to PlainsCapital for Texas businesses?

For a larger Texas branch network, Frost (213 Texas offices) or Prosperity (296) at June 30, 2025; for a Dallas commercial bank with investment banking, Texas Capital, which doubled investment-banking and advisory fees to $32 million in the first quarter of 2026; and for national reach, JPMorgan Chase with 481 Texas offices. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend))

### Who competes with Hilltop's clearing business?

HilltopSecurities' clearing group provides fully disclosed clearing, custody and back-office services to 93 financial organizations, including correspondent broker-dealers, registered investment advisers and discount brokers (December 31, 2025). Apex Fintech Solutions, whose Apex Clearing custodied more than $229 billion across more than 22 million accounts in January 2026, sells the same service and launched an AI suite for developers that month. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [WealthManagement.com](https://www.wealthmanagement.com/artificial-intelligence/apex-fintech-launches-ai-suite-to-speed-wealth-platform-development), [Apex Fintech Solutions](https://apexfintechsolutions.com/press-releases/apex-fintech-solutions-unveils-apex-ai-suite-empowering-business-leaders-to-quickly-build-financial-infrastructure-drive-product-innovation))

### Hilltop vs Bank of America in Dallas: how do they compare?

Bank of America held $136.6 billion of deposits in 120 Dallas-Fort Worth offices at June 30, 2025, against PlainsCapital's $4.76 billion in 18 (FDIC). Bank of America's Erica assistant has helped more than 24.6 million clients; Hilltop discloses no customer-facing AI assistant and competes, its 10-K says, on personalized service and responsiveness. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A19100%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm))

### Does Hilltop compete with fintechs?

Its 10-K says so in each business: internet-based competitors and fintechs for bank deposits and loans, fintechs in mortgage origination, and discount brokers including fintech startups in brokerage. It adds that AI and automation have lowered fintechs' barriers to entry. On this page, Robinhood and Apex Fintech Solutions are the named fintech rivals. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000023/hood-20251231.htm), [Apex Fintech Solutions](https://apexfintechsolutions.com/press-releases/apex-fintech-solutions-unveils-apex-ai-suite-empowering-business-leaders-to-quickly-build-financial-infrastructure-drive-product-innovation))

## Peers on this site

- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) · [vs peers](https://www.bankingnewsai.com/banks/texas-capital/vs-peers)
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [Raymond James Financial AI strategy](https://www.bankingnewsai.com/banks/raymond-james) · [vs peers](https://www.bankingnewsai.com/banks/raymond-james/vs-peers)
- [Stifel Financial (Stifel Bank & Trust) AI strategy](https://www.bankingnewsai.com/banks/stifel-bank) · [vs peers](https://www.bankingnewsai.com/banks/stifel-bank/vs-peers)
- [First Horizon AI strategy](https://www.bankingnewsai.com/banks/first-horizon) · [vs peers](https://www.bankingnewsai.com/banks/first-horizon/vs-peers)
- [First Financial Bankshares AI strategy](https://www.bankingnewsai.com/banks/first-financial-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-bankshares/vs-peers)
- [BancFirst Corporation AI strategy](https://www.bankingnewsai.com/banks/bancfirst) · [vs peers](https://www.bankingnewsai.com/banks/bancfirst/vs-peers)

## Sources

1. Hilltop Holdings Inc. Form 10-K for the fiscal year ended December 31, 2025 — Hilltop Holdings (SEC filing), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm
2. FDIC Summary of Deposits, Texas branch offices (data as of June 30, 2025; deposit totals and shares summed by bankingnewsai.com) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000
3. FDIC Summary of Deposits, Dallas-Fort Worth-Arlington MSA branch offices (data as of June 30, 2025; totals summed by bankingnewsai.com) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR%3A19100%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000
4. Rocket Companies, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Rocket Companies (SEC filing), Mar 2, 2026. https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm
5. Stifel Financial Corp. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Stifel Financial (SEC filings), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm
6. Robinhood Markets, Inc. Form 10-K for the fiscal year ended December 31, 2025 — U.S. Securities and Exchange Commission (EDGAR), Feb 18, 2026. https://www.sec.gov/Archives/edgar/data/1783879/000178387926000023/hood-20251231.htm
7. Apex Fintech Solutions Unveils Apex AI Suite Empowering Business Leaders to Quickly Build Financial Infrastructure, Drive Product Innovation — Apex Fintech Solutions, Jan 27, 2026. https://apexfintechsolutions.com/press-releases/apex-fintech-solutions-unveils-apex-ai-suite-empowering-business-leaders-to-quickly-build-financial-infrastructure-drive-product-innovation
8. Frost Bank sticks to organic growth as Texas M&A heats up — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/
9. Texas Capital Bancshares Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — SEC EDGAR, Feb 10, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm
10. Prosperity to acquire rival Houston bank in $2 billion deal — American Banker, Jan 28, 2026. https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal
11. How AI is supporting bank mortgage growth plans — American Banker, May 12, 2026. https://www.americanbanker.com/news/how-ai-is-supporting-bank-mortgage-growth-plans
12. Wall Street Has Its Bull. HilltopSecurities Has Its Buffalo. — HilltopSecurities, May 11, 2026. https://hilltopsecurities.com/insight/wall-street-has-its-bull-hilltopsecurities-has-its-buffalo
13. First Horizon Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — First Horizon (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm
14. SouthState Bank Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — SouthState Bank Corporation (SEC filings), Feb 20, 2026. https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm
15. Raymond James Financial Reports Fiscal Second Quarter of 2026 Results — GlobeNewswire via FT Markets, Apr 22, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=1330-9695288en-27GQRFLST7UJC8KSU1DUH53S8N
16. Stifel Reports Second Quarter 2026 Results — Stifel Financial, Jul 22, 2026. https://stifel.com/investor-relations/DownloadEarningsReleaseFile?fiscalYear=2026&id=263
17. Stifel Tops JD Power Study for Fourth Straight Year — Stifel Financial, Jul 9, 2026. https://stifel.com/docs/pdf/pressreleases/2026/2026-Stifel-JD-Power-Advisor-Satisfaction-Study.pdf
18. Apex Fintech Launches AI Suite to Speed Wealth Platform Development — WealthManagement.com, Jan 30, 2026. https://www.wealthmanagement.com/artificial-intelligence/apex-fintech-launches-ai-suite-to-speed-wealth-platform-development
19. Public Finance Leaders Embrace Innovation While Capacity Constraints Persist, 2026 HilltopSecurities Survey Finds — Business Wire (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html
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21. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
22. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
23. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
24. Bank of America Fast Facts (undated page, retrieved 2026-10-19) — Bank of America Newsroom, Oct 19, 2026. https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html
25. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
26. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
27. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
28. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend — Business Wire via FT Markets, Aug 18, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1
29. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026 — Business Wire via Yahoo Finance, Aug 27, 2026. https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html
30. Texas Capital (TCBI) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html
31. Form 8-K: departure of Chief Risk Officer (Item 5.02) — SEC EDGAR, Sep 16, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm
32. System Upgrade — Prosperity Bank, Feb 17, 2026. https://prosperitybankusa.com/system-upgrade
33. Prosperity Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Prosperity Bancshares (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm
34. Texas Capital Launches MAP — Texas Capital, May 18, 2026. https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm
35. Frost Bank exec: AI to usher in simpler mobile banking era — Banking Dive, Jan 29, 2025. https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/
36. Early Production Results for Blend's Autopilot Show What Agentic AI Means For Lending — Business Wire via FT Markets, Aug 20, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1
37. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1) — Cullen/Frost Bankers (SEC filings), Aug 17, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm
38. Earnings call transcript: Stifel Financial beats Q2 2025 forecasts as stock rises — Investing.com, Jul 30, 2025. https://investing.com/news/transcripts/earnings-call-transcript-stifel-financial-beats-q2-2025-forecasts-as-stock-rises-93CH-4160780
39. Stifel CEO Ron Kruszewski: We should be looking at companies benefiting from AI, not just those building AI — CNBC, Oct 7, 2026. https://cnbc.com/video/2026/10/07/stifel-ceo-ron-kruszewski-we-should-be-looking-at-companies-benefiting-from-ai-not-just-those-building-ai.html
40. First Horizon at Barclays conference: push for deeper banking ties — Investing.com, Sep 15, 2026. https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760
41. The Most Powerful Women in Banking NEXT, #19, Lena McCloskey, First Horizon Corporation — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation
42. The Playbook for Enterprise AI Adoption with Walt Wear (Community Bank Podcast) — SouthState Correspondent Division, Aug 3, 2026. https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear
43. 6 things banks look for in gen AI models and companies — American Banker, Jan 14, 2025. https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies
44. Fiserv has co-created AI agents with six banks and OpenAI — American Banker, May 14, 2026. https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai
45. SouthState Bank Corporation Form 8-K: third-quarter 2026 earnings date — SouthState Bank Corporation (SEC filings), Oct 2, 2026. https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm
46. Raymond James Financial Q3 Earnings Call Highlights — MarketBeat (Yahoo Finance), Jul 22, 2026. https://finance.yahoo.com/markets/stocks/articles/raymond-james-financial-q3-earnings-230545601.html
47. Raymond James Invests in Service Excellence with Proprietary Generative AI Search — GlobeNewswire, Apr 17, 2025. https://www.globenewswire.com/news-release/2025/04/17/3063545/0/en/raymond-james-invests-in-service-excellence-with-proprietary-generative-ai-search.html
48. Meta's Muse reignites AI disruption fears. Traders are targeting this brokerage stock as next casualty — CNBC, Sep 23, 2026. https://www.cnbc.com/2026/09/23/metas-muse-ai-causes-schwab-selloff.html
49. Stifel's earnings expose Wall Street's AI blind spot — TheStreet (Yahoo Finance), Jul 24, 2026. https://finance.yahoo.com/technology/ai/articles/stifel-earnings-expose-wall-street-030700080.html
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51. Stifel Financial Corp (SF) Q2 2026 Earnings Call Highlights: Record Revenue and Strong ... — GuruFocus (Yahoo Finance), Jul 22, 2026. https://finance.yahoo.com/news/stifel-financial-corp-sf-q2-210257050.html
52. Robinhood Reports First Quarter 2026 Results (Form 8-K, Exhibit 99.1) — U.S. Securities and Exchange Commission (EDGAR), Apr 28, 2026. https://www.sec.gov/Archives/edgar/data/1783879/000178387926000061/q12026robinhoodexhibit991.htm
53. Robinhood is Now Open to Agents — Robinhood, May 27, 2026. https://robinhood.com/us/en/newsroom/robinhood-is-now-open-to-agents/
54. Robinhood Puts the Power of Hedge Funds in Every Trader's Pocket — Robinhood, Sep 29, 2026. https://robinhood.com/us/en/newsroom/hood-summit-2026/
55. Robinhood rolls out OpenAI and Anthropic trading agents to millions of users — Fortune, Sep 29, 2026. https://fortune.com/2026/09/29/robinhood-trading-agents-hood-openai-anthropic/
56. Charles Schwab Launches AI-Powered Capability That Helps Investors Understand Portfolio Performance and Market Activity — Charles Schwab, May 5, 2026. https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx
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58. Architect Financial Technologies and Apex Fintech Solutions Enter preliminary agreement to Bring New US Perpetual Futures and Options to Apex's Brokerage Network — Apex Fintech Solutions, Sep 24, 2026. https://apexfintechsolutions.com/press-releases/architect-financial-technologies-and-apex-fintech-solutions-enter-preliminary-agreement-to-bring-new-us-perpetual-futures-and-options-to-apexs-brokerage-network
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60. David Rhodes, Chief Information Officer — Hilltop Holdings, Oct 14, 2026. https://www.hilltop.com/who-we-are/hilltop-leadership/david-rhodes/
61. Raymond James Financial appoints chief artificial intelligence officer to drive innovation and AI business solutions — Raymond James via Canada NewsWire (Yahoo Finance), Feb 24, 2025. https://finance.yahoo.com/news/raymond-james-financial-appoints-chief-212200934.html
62. Texas Capital, buoyed by turnaround, to pay first-ever dividend — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend

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