# Hilltop Holdings vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/hilltop/vs-peers
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.*

## How does Hilltop Holdings compare with its peers on AI and technology?

On this site's AI disclosure index Hilltop Holdings scores 30.7 (#87 of 120 US banks), sixth in a nine-bank group led by Raymond James (84.5), First Horizon (68.7), Frost (49.3) and Texas Capital (49.1), and ahead of BancFirst (11.3), Stifel (6.5) and First Financial Bankshares (0.9). Its one concrete AI deployment sits in mortgage: HousingWire reported in November 2024 that PrimeLending had put 15 AI tools, called MoBots, into production over two years to automate manual tasks such as re-verifying account information. Management told analysts on April 24, 2026 that deploying AI 'where practical across our organization' is a key focus, and the 2026 proxy counts 'implementation of automation and artificial intelligence in a prudent manner' among 2025 achievements, but Hilltop names no AI platform, vendor, budget or AI leader. The peers that lead put people and numbers on the record: Raymond James named a chief AI officer in February 2025 and reported 6,500 unique users of its Rai agent in July 2026, and Texas Capital said about 80% of employees used its Ranger platform within four weeks (April 2026). Hilltop's AI language is also thin across filings: its 10-K added an AI implementation risk factor in February 2026, while its first- and second-quarter 2026 10-Qs contain no reference to AI. Where Hilltop does lead is coverage of the mixed model itself: its 10-K describes separate competition in banking, a national broker-dealer and a 46-state mortgage lender, and its own 10-K says AI and automation have lowered the barriers to entry for fintech rivals. ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q1-2026-beats-eps-expectations-93CH-4635919), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926053118/hth-20260723xdef14a.htm), [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), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926048628/hth-20260331x10q.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm))

## Where does Hilltop lead its peers on AI?

- **A counted AI rollout in mortgage operations, which Prosperity and First Financial lack.** HousingWire credits PrimeLending with 15 AI tools ('MoBots') implemented over two years by November 2024, automating tasks such as re-verifying account information and validating processes. Prosperity has named no AI or automation programme on four earnings calls, and First Financial Bankshares discloses no AI tool, vendor or use case as of October 2026. ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2025/10/29/prosperity-pb-q3-2025-earnings-call-transcript), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/01/28/prosperity-bancshares-pb-earnings-transcript), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm))
- **More independent coverage than Texas Capital, Frost or Prosperity.** Hilltop scores 8 on independent sources, fourth of nine and above the group median of 6.5, against 6 for Texas Capital and Prosperity and 7 for Frost. HousingWire profiled PrimeLending's operations leaders and named PrimeLending a 2025 Tech100 winner, crediting its PointServ integration with lifting customer adoption by more than 65% and automated underwriting approvals by more than 15%. ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [HousingWire](https://housingwire.com/winner-profile/2024-vanguard-kristi-harris), [HousingWire](https://housingwire.com/company-profile/2025-tech100-winner-primelending))
- **An AI survey franchise in public finance that no bank peer runs.** HilltopSecurities, ranked the No. 2 US municipal advisor by number of issues over the ten years to December 31, 2025 (LSEG), publishes an annual survey of public finance leaders; its October 2026 edition found 50% using AI daily or weekly, up from 45% using AI in 2025. Stifel's public finance group underwrites state and municipal bonds but publishes no comparable AI measure. ([HilltopSecurities](https://hilltopsecurities.com/insight/wall-street-has-its-bull-hilltopsecurities-has-its-buffalo), [Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html), [Business Wire (Yahoo Finance)](https://finance.yahoo.com/news/hilltopsecurities-announces-results-2025-public-120000659.html), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm))

## Where does Hilltop trail its peers on AI?

- **No named AI leader, while Raymond James, First Horizon and Texas Capital name theirs.** Hilltop's technology owners are CIO David Rhodes and CISO Bill Lines, neither described as leading AI. Raymond James promoted Stuart Feld to chief AI officer in February 2025, First Horizon's chief innovation officer Mohan Sankararaman runs its Enterprise Data Hub, and Texas Capital gave chief digital and information officer Mo Jamous AI enablement in July 2026. ([Hilltop Holdings](https://www.hilltop.com/who-we-are/hilltop-leadership/david-rhodes/), [Hilltop Holdings](https://www.hilltop.com/who-we-are/hilltop-leadership/bill-lines/), [Raymond James via Canada NewsWire (Yahoo Finance)](https://finance.yahoo.com/news/raymond-james-financial-appoints-chief-212200934.html), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/mohan-sankararaman-2), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer))
- **No internal AI assistant with usage, unlike First Horizon, Raymond James and Texas Capital.** Hilltop discloses no employee AI tool. First Horizon's ChatFHN had been in production about 15 months by June 2026 and is 'in every employee's hands'; Raymond James reported 6,500 unique users of its Rai agent in July 2026; Texas Capital said about 80% of staff used Ranger within four weeks of the April 2026 call. ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/raymond-james-financial-q3-earnings-230545601.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))
- **The fewest dated AI moves and own disclosures in the group.** Hilltop ranks ninth of nine on both dated moves in the last 12 months (10, against a median of 19) and its own primary disclosures (9, against 16). Its 2026 10-Qs contain no AI language, while Stifel's 2025 10-K moved from 'we currently do not use AI extensively' to saying it uses, develops and incorporates AI and generative AI in its platform. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926048628/hth-20260331x10q.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000095017025027702/sf-20241231.htm), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm))
- **No disclosed technology budget, while Raymond James puts a number on it.** Hilltop says only that technology and data-platform investments sit inside its expense guidance of $180 million to $190 million a quarter for costs other than variable compensation. Raymond James funds AI within an annual technology budget of $975 million (September 2025), and Prosperity's CEO put its technology spend at $75 million to $90 million a year. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q1-2026-beats-eps-expectations-93CH-4635919), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q4-2025-earnings-beat-expectations-93CH-4476535), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=1330-9525266en-2G3EBTACBF0CHV70SD1J7K5BF2), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript))

## Where does Hilltop rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Raymond James Financial](https://www.bankingnewsai.com/banks/raymond-james) | [84.5](https://www.bankingnewsai.com/banks/ai-index) | #12 of 120 | [19](https://www.bankingnewsai.com/banks/raymond-james#sources) | [23](https://www.bankingnewsai.com/banks/raymond-james#sources) | [14 of 16](https://www.bankingnewsai.com/banks/raymond-james#where) | [21](https://www.bankingnewsai.com/banks/raymond-james#timeline) | Rai, AI Search and the advisor desktop ([Raymond James](https://raymondjames.com/news-and-media/press-releases/2026/01/27/raymond-james-launches-proprietary-digital-ai-agent-to-bolster-operational-excellence), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=1330-9525266en-2G3EBTACBF0CHV70SD1J7K5BF2), [Raymond James](https://raymondjames.com/athens-branch/about-us/press-releases/2025/05/15/raymond-james-expands-service-focused-technology-investment-with-zoom-ai-companion)) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #36 of 120 | [17](https://www.bankingnewsai.com/banks/first-horizon#sources) | [13](https://www.bankingnewsai.com/banks/first-horizon#sources) | [7 of 16](https://www.bankingnewsai.com/banks/first-horizon#where) | [22](https://www.bankingnewsai.com/banks/first-horizon#timeline) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | [49.3](https://www.bankingnewsai.com/banks/ai-index) | #58 of 120 | [7](https://www.bankingnewsai.com/banks/frost#sources) | [15](https://www.bankingnewsai.com/banks/frost#sources) | [7 of 9](https://www.bankingnewsai.com/banks/frost#where) | [17](https://www.bankingnewsai.com/banks/frost#timeline) | 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)) |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | [49.1](https://www.bankingnewsai.com/banks/ai-index) | #60 of 120 | [6](https://www.bankingnewsai.com/banks/texas-capital#sources) | [17](https://www.bankingnewsai.com/banks/texas-capital#sources) | [8 of 12](https://www.bankingnewsai.com/banks/texas-capital#where) | [21](https://www.bankingnewsai.com/banks/texas-capital#timeline) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | [40](https://www.bankingnewsai.com/banks/ai-index) | #71 of 120 | [6](https://www.bankingnewsai.com/banks/prosperity#sources) | [15](https://www.bankingnewsai.com/banks/prosperity#sources) | [4 of 8](https://www.bankingnewsai.com/banks/prosperity#where) | [17](https://www.bankingnewsai.com/banks/prosperity#timeline) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| [Hilltop Holdings (this page)](https://www.bankingnewsai.com/banks/hilltop) | [30.7](https://www.bankingnewsai.com/banks/ai-index) | #87 of 120 | [8](https://www.bankingnewsai.com/banks/hilltop#sources) | [9](https://www.bankingnewsai.com/banks/hilltop#sources) | [6 of 9](https://www.bankingnewsai.com/banks/hilltop#where) | [10](https://www.bankingnewsai.com/banks/hilltop#timeline) | Not disclosed |
| [BancFirst Corporation](https://www.bankingnewsai.com/banks/bancfirst) | [11.3](https://www.bankingnewsai.com/banks/ai-index) | #101 of 120 | [3](https://www.bankingnewsai.com/banks/bancfirst#sources) | [14](https://www.bankingnewsai.com/banks/bancfirst#sources) | [6 of 7](https://www.bankingnewsai.com/banks/bancfirst#where) | [11](https://www.bankingnewsai.com/banks/bancfirst#timeline) | Not disclosed |
| [Stifel Financial (Stifel Bank & Trust)](https://www.bankingnewsai.com/banks/stifel-bank) | [6.5](https://www.bankingnewsai.com/banks/ai-index) | #104 of 120 | [10](https://www.bankingnewsai.com/banks/stifel-bank#sources) | [18](https://www.bankingnewsai.com/banks/stifel-bank#sources) | [12 of 13](https://www.bankingnewsai.com/banks/stifel-bank#where) | [22](https://www.bankingnewsai.com/banks/stifel-bank#timeline) | 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)) |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | [0.9](https://www.bankingnewsai.com/banks/ai-index) | #120 of 120 | [2](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [17](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [0 of 1](https://www.bankingnewsai.com/banks/first-financial-bankshares#where) | [12](https://www.bankingnewsai.com/banks/first-financial-bankshares#timeline) | Not disclosed |

## On which parts of the AI record is Hilltop ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Hilltop and the 8 peers that are scored on the same basis. "Place" is Hilltop's position in the group of 9 (1st = most).

| Component (weight) | Hilltop | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 8 | 6.5 | [Raymond James (19)](https://www.bankingnewsai.com/banks/raymond-james) | 4th of 9 |
| Use cases in production (10%) | 6 | 7 | [Raymond James (14)](https://www.bankingnewsai.com/banks/raymond-james) | 6th of 9 |
| Own primary disclosures (10%) | 9 | 16 | [Raymond James (23)](https://www.bankingnewsai.com/banks/raymond-james) | 9th of 9 |
| Dated moves, last 12 months (10%) | 10 | 19 | [Stifel Bank (22)](https://www.bankingnewsai.com/banks/stifel-bank) | 9th of 9 |
| Disclosed numbers (5%) | 13 | 13.5 | [Frost (16)](https://www.bankingnewsai.com/banks/frost) | 5th of 9 |
| Named AI leaders (5%) | 8 | 7 | [Raymond James (13)](https://www.bankingnewsai.com/banks/raymond-james) | 4th of 9 |
| Use cases described (5%) | 9 | 10.5 | [Raymond James (16)](https://www.bankingnewsai.com/banks/raymond-james) | 5th of 9 |

## What has each bank in Hilltop's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Hilltop Holdings](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [8, incl. Jeremy B. Ford (Chairman, President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/hilltop#people) ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) | PrimeLending AI tools ('MoBots'): 15, implemented over two years (Nov 1, 2024) ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) | Not disclosed | Not surveyed |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [8, incl. Rob C. Holmes (President and CEO)](https://www.bankingnewsai.com/banks/texas-capital#people) ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend)) | Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | Not disclosed | Not surveyed |
| [Cullen/Frost Bankers](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)) | [12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)](https://www.bankingnewsai.com/banks/frost#people) ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) | Digital account-opening completion rate: 50% → 80% (Aug 18, 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | 2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees) ([Google Patents (USPTO)](https://patents.google.com/patent/US20170316393A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/frost#roles) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [6, incl. David Zalman (Senior Chairman and CEO)](https://www.bankingnewsai.com/banks/prosperity#people) ([American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) | Not disclosed | Not disclosed | Not surveyed |
| [Raymond James Financial](https://www.bankingnewsai.com/banks/raymond-james) | Rai, AI Search and the advisor desktop ([Raymond James](https://raymondjames.com/news-and-media/press-releases/2026/01/27/raymond-james-launches-proprietary-digital-ai-agent-to-bolster-operational-excellence), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=1330-9525266en-2G3EBTACBF0CHV70SD1J7K5BF2), [Raymond James](https://raymondjames.com/athens-branch/about-us/press-releases/2025/05/15/raymond-james-expands-service-focused-technology-investment-with-zoom-ai-companion)) | [13, incl. Paul Shoukry (Chief Executive Officer)](https://www.bankingnewsai.com/banks/raymond-james#people) ([GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=1330-9525266en-2G3EBTACBF0CHV70SD1J7K5BF2), [Raymond James](https://raymondjames.com/news-and-media/press-releases/2026/01/27/raymond-james-launches-proprietary-digital-ai-agent-to-bolster-operational-excellence)) | Share move on AI-disruption fears: −8.8% (10 Feb 2026) (Feb 10, 2026) ([Bloomberg](https://bloomberg.com/news/articles/2026-02-10/wealth-manager-stocks-sink-as-new-ai-tool-sparks-disruption-fear)) | 4 patents listed on the profile, e.g. US 2025/0378492 A1 (Smart contracts for multiple oracle networks) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250378492A1/en)) | [2 open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/raymond-james#roles) |
| [Stifel Financial (Stifel Bank & Trust)](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)) | [6, incl. Ronald J. Kruszewski (Chairman and CEO, Stifel Financial)](https://www.bankingnewsai.com/banks/stifel-bank#people) ([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)) | Share-price fall on AI disruption fears: −6% (Feb 10, 2026) ([Investing.com (Yahoo Finance)](https://uk.finance.yahoo.com/news/schwab-raymond-james-stifel-drop-173410149.html)) | Not disclosed | [2 open AI roles (Sep 24, 2026); most in AI security](https://www.bankingnewsai.com/banks/stifel-bank#roles) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) | [13, incl. Bryan Jordan (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/first-horizon#people) ([Banking Dive](https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/)) | AI cost savings assumed in the $100 million incremental PPNR target: None (revenue-driven; expenses guided flat) (Apr 15, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html)) | Not disclosed | Not surveyed |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Not disclosed | [6, incl. David Bailey (President and CEO)](https://www.bankingnewsai.com/banks/first-financial-bankshares#people) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526029410/ffin-20260127.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html)) | Employees: About 1,600 (1,500 full-time, 100 part-time) (Dec 31, 2025) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) | Not disclosed | Not surveyed |
| [BancFirst Corporation](https://www.bankingnewsai.com/banks/bancfirst) | Not disclosed | [4, incl. David Harlow (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/bancfirst#people) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [American Banker](https://americanbanker.com/news/bancfirst-to-bulk-up-in-tulsa-by-acquiring-oklahoma-rival)) | Full-time-equivalent employees: 2,260 (Dec 31, 2025) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of Hilltop and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 7, 2026 | [Stifel Bank](https://www.bankingnewsai.com/banks/stifel-bank) | CEO on CNBC: look at companies benefiting from AI, not just those building it ([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)) |
| Oct 7, 2026 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | The 2025 contest's winning entry: an automated CRE documentation platform ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| Sep 29, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | First full-service Austin-area branch ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html)) |
| Sep 22, 2026 | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Meta's Muse reignites the AI selloff ([CNBC](https://www.cnbc.com/2026/09/23/metas-muse-ai-causes-schwab-selloff.html)) |
| Sep 21, 2026 | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Expanded AWS collaboration to advance AI-powered advisor insights ([Raymond James](https://www.raymondjames.com/advisor-opportunities/press-releases/2026/09/21/raymond-james-strengthens-data-and-analytics-capabilities-to-advance-ai-powered-advisor-insights)) |
| Sep 16, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| Aug 27, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| Aug 20, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend reports agentic Autopilot results across lenders ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1)) |
| Aug 19, 2026 | [Stifel Bank](https://www.bankingnewsai.com/banks/stifel-bank) | American Banker: AI and the cost of adviser recruiting ([American Banker](https://www.americanbanker.com/news/with-deal-costs-up-could-ai-make-recruiting-a-bad-bet)) |
| Aug 7, 2026 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | 10-Q lists AI among technology and competition risks ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm)) |
| Aug 6, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| Aug 4, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Second-quarter 10-Q has no AI reference ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm)) |
| Jul 29, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 call: Stellar savings of $80-85 million wait for a March 2027 conversion ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Jul 29, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Second attempt to redomicile to Texas planned ([American Banker](https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas)) |
| Jul 24, 2026 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | Q2 2026 10-Q has no AI language ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm)) |
| Jul 23, 2026 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | CEO Harlow's second-quarter comment omits AI ([BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en)) |

## How does HilltopSecurities' parent compare with Raymond James and Stifel on AI?

Hilltop, Raymond James and Stifel each own a bank and a national broker-dealer. What each has put on the record about AI, with dates.

| Firm | AI tools and usage on the record | Who owns AI | AI in the latest 10-K |
| --- | --- | --- | --- |
| Hilltop Holdings | PrimeLending's 15 MoBots (November 2024); AI 'where practical' a key focus (April 2026) | No AI lead named; CIO David Rhodes | AI implementation risk factor added (February 2026); none in 2026 10-Qs ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q1-2026-beats-eps-expectations-93CH-4635919), [Hilltop Holdings](https://www.hilltop.com/who-we-are/hilltop-leadership/david-rhodes/), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm)) |
| Raymond James | Rai operations agent (January 2026), 6,500 unique users (July 2026); AI Search; more than 10,000 associates using conversational AI (January 2026) | Chief AI officer Stuart Feld (February 2025); head of AI strategy David Solganik (September 2025) | Uses generative AI inside 'walled-garden' environments (fiscal 2025 10-K) ([Raymond James](https://raymondjames.com/news-and-media/press-releases/2026/01/27/raymond-james-launches-proprietary-digital-ai-agent-to-bolster-operational-excellence), [InvestmentNews](https://investmentnews.com/independent-broker-dealers/raymond-james-unveils-proprietary-ai-operations-agent/265028), [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), [Raymond James via Canada NewsWire (Yahoo Finance)](https://finance.yahoo.com/news/raymond-james-financial-appoints-chief-212200934.html), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=1330-9525266en-2G3EBTACBF0CHV70SD1J7K5BF2), [Raymond James Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720005/000072000525000093/rjf-20250930.htm)) |
| Stifel | Copilot tools rolled out firm-wide; about 70 workflows identified for AI by the CEO (July 2025) | COO David Sliney leads technology and operations, with emphasis on cloud, data and AI | Moved from 'we currently do not use AI extensively' (FY2024) to using, developing and incorporating AI (FY2025) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-stifel-financial-beats-q2-2025-forecasts-as-stock-rises-93CH-4160780), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000095017025027702/sf-20241231.htm)) |
| First Horizon (FHN Financial) | ChatFHN in every employee's hands; an internal contest produced 100 AI ideas (September 2026) | Chief innovation officer Mohan Sankararaman | Responsible use of AI named as something the bank is accelerating (2025 10-K) ([Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/mohan-sankararaman-2), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm)) |

## How does PlainsCapital's parent compare with the other Texas banks on AI?

Texas deposits at June 30, 2025 (FDIC Summary of Deposits, summed by this site) and each bank's AI record. A blank means nothing is disclosed, not that nothing exists.

| Bank | Texas deposits and offices | AI or digital move on the record | When |
| --- | --- | --- | --- |
| Frost | $42.17 billion, 213 offices | Digital account opening on Blend, completion rates up from 50% to 80% | August 2026 ([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)) |
| Texas Capital | $26.53 billion, 10 offices | Ranger in-house AI platform, about 80% of employees; 280 employee-built agents | April 2026 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| Prosperity | $26.34 billion, 296 offices | Real-time core conversion; no AI programme named | February 2026 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm)) |
| First Financial Bankshares | $12.57 billion, 83 offices | None; one AI risk-factor sentence in the 10-K | February 2026 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| PlainsCapital (Hilltop) | $10.49 billion, 56 offices | AI 'where practical' a key focus; PrimeLending MoBots | April 2026; November 2024 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q1-2026-beats-eps-expectations-93CH-4635919), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) |

## How does PrimeLending's mortgage technology compare with other lenders?

PrimeLending closed $8.9 billion of mortgage volume in 2025 from over 170 locations in 46 states (10-K). What it and the lenders it meets have disclosed about automation and AI.

| Lender | Technology on the record | Result disclosed | Source date |
| --- | --- | --- | --- |
| PrimeLending (Hilltop) | 15 MoBots; Blue Sage origination, PointServ digital documentation and D1CEdge data verification | Customer adoption up more than 65% and automated approvals up more than 15% after the PointServ integration | November 2024; February 2025 ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [HousingWire](https://housingwire.com/winner-profile/2024-vanguard-kristi-harris), [HousingWire](https://housingwire.com/company-profile/2025-tech100-winner-primelending)) |
| Rocket Mortgage | Describes an 'AI-powered, vertically integrated homeownership ecosystem' with automated data retrieval and advanced underwriting technology | The largest US mortgage originator by loan units; servicer of $2.1 trillion of unpaid principal (December 31, 2025) | March 2026 ([Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm)) |
| Texas Capital | MAP, an end-to-end mortgage-asset trading platform built with Black Lake Digital Markets | Replaces spreadsheet-based workflows for loans and servicing rights | May 2026 ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm)) |
| Frost | Mortgage growth supported by AI, per American Banker; Blend digital origination | Account-opening completion up from 50% to 80% | May and August 2026 ([American Banker](https://www.americanbanker.com/news/how-ai-is-supporting-bank-mortgage-growth-plans), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) |

## Which banks are Hilltop's peers, and why these?

Hilltop Holdings is compared here with Texas Capital Bancshares, Cullen/Frost Bankers, Prosperity Bancshares, Raymond James Financial, Stifel Financial (Stifel Bank & Trust), First Horizon, First Financial Bankshares and BancFirst Corporation: chosen by the editors for this page (see the note below the table). Hilltop Holdings is classed as a regional or retail-commercial bank in the Southwest.

The computed group mixed in Ohio, Pennsylvania and Colorado community banks; Hilltop is a Dallas bank holding company whose broker-dealer and mortgage segments earn most of its fee income, so this group pairs the Texas banks PlainsCapital meets at home (Texas Capital, Frost, Prosperity, First Financial, plus BancFirst's Dallas-Fort Worth banks) with bank-owning broker-dealers and a bank with a fixed-income dealer (Raymond James, Stifel, First Horizon).

## Common questions

### Does Hilltop Holdings use AI?

Yes, in mortgage operations at least. HousingWire reported in November 2024 that PrimeLending had put 15 AI tools into production over two years. Management called deploying AI 'where practical across our organization' a key focus on April 24, 2026, and the 2026 proxy lists prudent automation and AI among 2025 achievements. Hilltop names no AI platform, vendor or budget. ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q1-2026-beats-eps-expectations-93CH-4635919), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926053118/hth-20260723xdef14a.htm))

### Is Hilltop better than Texas Capital at AI?

The record cannot settle capability, but Texas Capital has put more on it: 49.1 on this site's disclosure index against Hilltop's 30.7. Texas Capital reports an in-house Ranger platform used by about 80% of employees and 280 employee-built agents, and a chief digital and information officer with AI enablement in his remit. Hilltop's counted AI is PrimeLending's 15 MoBots. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough))

### How does HilltopSecurities compare with Raymond James and Stifel on AI?

Raymond James has the most on the record: a chief AI officer since February 2025, the Rai agent at 6,500 unique users (July 2026) and a $975 million technology budget. Stifel's 2025 10-K says it uses, develops and incorporates AI. Hilltop discloses no AI tool at HilltopSecurities; its AI output there is an annual survey finding 50% of public finance leaders use AI daily or weekly. ([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 via FT Markets](https://markets.ft.com/data/announce/detail?dockey=1330-9525266en-2G3EBTACBF0CHV70SD1J7K5BF2), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm), [Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html))

### Who leads AI at Hilltop?

No AI leader is named. Technology sits with CIO David Rhodes and security with CISO Bill Lines, who reports to the board's Risk Committee. The named AI practitioners are at PrimeLending: SVP Kimberly Hartsough oversaw the 15 MoBots, and EVP Kristi Harris's operations team leverages AI in origination, per HousingWire. Peers Raymond James and Texas Capital name executives with AI in their titles or remits. ([Hilltop Holdings](https://www.hilltop.com/who-we-are/hilltop-leadership/david-rhodes/), [Hilltop Holdings](https://www.hilltop.com/who-we-are/hilltop-leadership/bill-lines/), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [HousingWire](https://housingwire.com/winner-profile/2024-vanguard-kristi-harris), [Raymond James via Canada NewsWire (Yahoo Finance)](https://finance.yahoo.com/news/raymond-james-financial-appoints-chief-212200934.html), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer))

### How does Hilltop's technology spending compare with its peers'?

Hilltop discloses no technology budget; management says technology and data-platform investment sits inside guidance of $180 million to $190 million a quarter for expenses other than variable compensation. Raymond James funds AI within a $975 million annual technology budget, and Prosperity's CEO estimated its technology spend at $75 million to $90 million a year in April 2026. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q4-2025-earnings-beat-expectations-93CH-4476535), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q1-2026-beats-eps-expectations-93CH-4635919), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=1330-9525266en-2G3EBTACBF0CHV70SD1J7K5BF2), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript))

### Does Hilltop say AI changes its competition?

Yes. Its 2025 10-K says technological advances, 'including artificial intelligence and automation', have lowered the barriers to entry for financial technology companies, giving consumers online checking, savings and brokerage accounts, online lending, digital wallets and money transfer services. Its broker-dealer also faces discount brokers, including fintech startups, offering free services. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm))

### How does Hilltop compare with First Horizon on AI?

First Horizon scores 68.7 on this site's disclosure index against Hilltop's 30.7. Its internal ChatFHN tool had been in production about 15 months by June 2026, an employee contest produced 100 AI ideas, and its chief innovation officer runs an Enterprise Data Hub. Both own fixed-income dealers serving community banks; Hilltop discloses no AI tool at HilltopSecurities. ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [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))

### Does Hilltop mention AI in its quarterly filings?

No. Its 10-K filed February 13, 2026 added a risk factor on implementing AI, machine learning and large language models, and its competition section names AI as lowering fintechs' barriers to entry. The 10-Qs for the first and second quarters of 2026 contain no reference to artificial intelligence, machine learning or generative AI. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926048628/hth-20260331x10q.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm))

### How does Hilltop compare with Frost on AI and digital?

Frost scores 49.3 on this site's index against Hilltop's 30.7. Frost reports digital account opening on Blend with completion rates up from 50% to 80% (August 2026) and runs 213 Texas offices to PlainsCapital's 56 (June 30, 2025). Hilltop's measured technology results are in mortgage, where PointServ lifted PrimeLending's automated underwriting approvals by more than 15%. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [HousingWire](https://housingwire.com/company-profile/2025-tech100-winner-primelending))

## 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. 2024 Tech Trendsetter: Kimberly Hartsough — HousingWire, Nov 1, 2024. https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough
2. Earnings call transcript: Hilltop Holdings Q1 2026 beats EPS expectations — Investing.com, Apr 24, 2026. https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q1-2026-beats-eps-expectations-93CH-4635919
3. Hilltop Holdings Inc. 2026 Proxy Statement (DEF 14A) — Hilltop Holdings (SEC filing), Apr 30, 2026. https://www.sec.gov/Archives/edgar/data/1265131/000110465926053118/hth-20260723xdef14a.htm
4. 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
5. 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
6. 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
7. 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
8. Hilltop Holdings Inc. Form 10-Q for the quarter ended March 31, 2026 — Hilltop Holdings (SEC filing), Apr 24, 2026. https://www.sec.gov/Archives/edgar/data/1265131/000110465926048628/hth-20260331x10q.htm
9. Hilltop Holdings Inc. Form 10-Q for the quarter ended June 30, 2026 — Hilltop Holdings (SEC filing), Jul 24, 2026. https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm
10. Prosperity (PB) Q3 2025 Earnings Call Transcript — Earnings call transcript (The Motley Fool), Oct 29, 2025. https://www.fool.com/earnings/call-transcripts/2025/10/29/prosperity-pb-q3-2025-earnings-call-transcript
11. Prosperity Bancshares (PB) Q4 2025 Earnings Transcript — Earnings call transcript (The Motley Fool), Jan 28, 2026. https://www.fool.com/earnings/call-transcripts/2026/01/28/prosperity-bancshares-pb-earnings-transcript
12. Prosperity (PB) Q1 2026 Earnings Transcript — Earnings call transcript (The Motley Fool), Apr 29, 2026. https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript
13. Prosperity Bancshares (PB) Q2 2026 Earnings Call — Yahoo Finance, Aug 7, 2026. https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html
14. First Financial Bankshares, Inc. Form 10-K for the fiscal year ended December 31, 2025 — First Financial Bankshares (SEC filing), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm
15. 2024 Vanguard: Kristi Harris — HousingWire, Sep 3, 2024. https://housingwire.com/winner-profile/2024-vanguard-kristi-harris
16. PrimeLending (2025 HW Tech100 winner) — HousingWire, Feb 3, 2025. https://housingwire.com/company-profile/2025-tech100-winner-primelending
17. 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
18. 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
19. HilltopSecurities Announces Results of 2025 Public Finance Leaders Survey — Business Wire (Yahoo Finance), Sep 15, 2025. https://finance.yahoo.com/news/hilltopsecurities-announces-results-2025-public-120000659.html
20. 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
21. David Rhodes, Chief Information Officer — Hilltop Holdings, Oct 14, 2026. https://www.hilltop.com/who-we-are/hilltop-leadership/david-rhodes/
22. Bill Lines, Chief Information Security Officer — Hilltop Holdings, Oct 14, 2026. https://www.hilltop.com/who-we-are/hilltop-leadership/bill-lines/
23. #36 First Horizon's CIO is zeroing in on 'data-as-a-product' in tech push — American Banker, Jun 1, 2026. https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking
24. Mohan Sankararaman, Chief Innovation Officer, First Horizon (Digital Banking speaker profile) — American Banker, May 28, 2026. https://digital-banking.americanbanker.com/profile/mohan-sankararaman-2
25. Texas Capital Appoints Mo Jamous as Chief Digital and Information Officer — Texas Capital, Jul 13, 2026. https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer
26. 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
27. Stifel Financial Corp. Annual Report on Form 10-K for the fiscal year ended December 31, 2024 — Stifel Financial (SEC filings), Feb 26, 2025. https://www.sec.gov/Archives/edgar/data/720672/000095017025027702/sf-20241231.htm
28. Earnings call transcript: Hilltop Holdings Q4 2025 earnings beat expectations — Investing.com, Jan 30, 2026. https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q4-2025-earnings-beat-expectations-93CH-4476535
29. Raymond James Hires David Solganik as Head of AI Strategy — GlobeNewswire via FT Markets, Sep 8, 2025. https://markets.ft.com/data/announce/detail?dockey=1330-9525266en-2G3EBTACBF0CHV70SD1J7K5BF2
30. Raymond James launches proprietary digital AI agent to bolster operational excellence — Raymond James, Jan 27, 2026. https://raymondjames.com/news-and-media/press-releases/2026/01/27/raymond-james-launches-proprietary-digital-ai-agent-to-bolster-operational-excellence
31. Raymond James expands service-focused technology investment with Zoom AI Companion meeting summaries — Raymond James, May 15, 2025. https://raymondjames.com/athens-branch/about-us/press-releases/2025/05/15/raymond-james-expands-service-focused-technology-investment-with-zoom-ai-companion
32. The Most Powerful Women to Watch, No. 13, Tammy LoCascio, First Horizon Bank — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank
33. 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/
34. 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
35. 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
36. 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
37. A Look Ahead with Rob C. Holmes — 2026 — Texas Capital, Jan 7, 2026. https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026
38. Texas Capital Launches MAP — Texas Capital, May 18, 2026. https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm
39. System Upgrade — Prosperity Bank, Feb 17, 2026. https://prosperitybankusa.com/system-upgrade
40. Customer letter: real-time processing system upgrade — Prosperity Bank, Jan 9, 2026. https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf
41. Prosperity Bancshares, Inc. Reports First Quarter 2026 Earnings — Prosperity Bancshares, Apr 29, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf
42. Second Quarter 2026 Investor Presentation — Prosperity Bancshares, Jul 28, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf
43. 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
44. Stifel Reports Second Quarter 2026 Results — Stifel Financial, Jul 22, 2026. https://stifel.com/investor-relations/DownloadEarningsReleaseFile?fiscalYear=2026&id=263
45. 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
46. Artificial Intelligence: Runway for Growth (Outlook 2026) — Stifel, Feb 11, 2026. https://stifel.com/Newsletters/AdGraphics/InSight/Outlook/2026/Outlook2026_Artificial-Intelligence.pdf
47. 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
48. 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
49. 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/
50. US20170316393A1: System, apparatus and method for linking financial accounts to a subscription service and waiving select fees of those linked financial accounts — Google Patents (USPTO), Nov 2, 2017. https://patents.google.com/patent/US20170316393A1/en
51. Prosperity blames loan-growth woes on newcomers' pricing — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing
52. Wealth Manager Stocks Sink as Traders Flee Next AI Casualty — Bloomberg, Feb 10, 2026. https://bloomberg.com/news/articles/2026-02-10/wealth-manager-stocks-sink-as-new-ai-tool-sparks-disruption-fear
53. US 2025/0378492 A1: Automated generation and execution of smart contracts for multiple oracle networks (Raymond James Financial; filed 2024-06-07) — Google Patents (USPTO), Dec 11, 2025. https://patents.google.com/patent/US20250378492A1/en
54. Schwab, Raymond James, Stifel drop as AI stirs concerns over advisory models — Investing.com (Yahoo Finance), Feb 10, 2026. https://uk.finance.yahoo.com/news/schwab-raymond-james-stifel-drop-173410149.html
55. First Horizon keeps options open amid M&A uptick — Banking Dive, Oct 15, 2025. https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/
56. First Horizon (FHN) Q1 2026 Earnings Transcript — Yahoo Finance, Apr 15, 2026. https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html
57. First Financial Bankshares, Inc. Form 8-K (CEO transition), January 27, 2026 — First Financial Bankshares (SEC filing), Jan 28, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526029410/ffin-20260127.htm
58. FIRST FINANCIAL BANKSHARES ANNOUNCES SECOND QUARTER 2026 EARNINGS — First Financial Bankshares (PR Newswire), Jul 16, 2026. https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html
59. BancFirst Corporation Form 10-K for the fiscal year ended December 31, 2025 — BancFirst Corporation (SEC filing), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm
60. BancFirst to bulk up in Tulsa by acquiring Oklahoma rival — American Banker, Jun 11, 2026. https://americanbanker.com/news/bancfirst-to-bulk-up-in-tulsa-by-acquiring-oklahoma-rival
61. 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
62. The Most Powerful Women in Banking Women to Watch, #10, Tammy LoCascio, First Horizon — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon
63. 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
64. FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH — First Financial Bankshares (PR Newswire), Sep 29, 2026. https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html
65. 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
66. Raymond James strengthens data and analytics capabilities to advance AI-powered advisor insights — Raymond James, Sep 21, 2026. https://www.raymondjames.com/advisor-opportunities/press-releases/2026/09/21/raymond-james-strengthens-data-and-analytics-capabilities-to-advance-ai-powered-advisor-insights
67. 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
68. 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
69. With deal costs up, could AI make recruiting a bad bet? — American Banker, Aug 19, 2026. https://www.americanbanker.com/news/with-deal-costs-up-could-ai-make-recruiting-a-bad-bet
70. BancFirst Corporation Form 10-Q for the quarterly period ended June 30, 2026 — BancFirst Corporation (SEC filing), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm
71. 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
72. First Financial Bankshares, Inc. Form 10-Q for the quarter ended June 30, 2026 — First Financial Bankshares (SEC filing), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm
73. Why one bank is determined to reincorporate in Texas — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas
74. BancFirst Corporation reports second quarter earnings (2Q 2026 press release) — BancFirst Corporation, Jul 23, 2026. https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en
75. Raymond James rolls out proprietary AI operations agent — InvestmentNews, Jan 28, 2026. https://investmentnews.com/independent-broker-dealers/raymond-james-unveils-proprietary-ai-operations-agent/265028
76. 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
77. Raymond James Financial Annual Report on Form 10-K for the fiscal year ended September 30, 2025 — Raymond James Financial (SEC filings), Nov 25, 2025. https://www.sec.gov/Archives/edgar/data/720005/000072000525000093/rjf-20250930.htm
78. 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
79. 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
80. 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
81. Prosperity Bancshares Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Prosperity Bancshares (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm
82. 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
83. 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

---

Canonical page: https://www.bankingnewsai.com/banks/hilltop/vs-peers
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.