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    Andrew Gorczyca • Piper Sandler

    Andrew Gorczyca's questions to Hilltop Holdings Inc (HTH) leadership

    Andrew Gorczyca's questions to Hilltop Holdings Inc (HTH) leadership • Q1 2025

    Question

    Andrew Gorczyca from Piper Sandler asked about deposit trends, questioning if the seasonal commercial deposit outflows seen in Q1 would reverse in Q2. He also inquired about the Structured Finance business, asking if increased TBA lock volumes signaled a potential rebound.

    Answer

    William Furr (executive) explained that after seasonal outflows in Q1 and further impacts from the April tax season, the bank generally sees core customer deposits begin to rebuild for the remainder of the year. Regarding Structured Finance, Furr indicated that a significant rebound would likely depend on additional state support for down payment assistance programs, with more clarity expected around mid-year when state budgets are deployed.

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    Andrew Gorczyca's questions to Trustmark Corp (TRMK) leadership

    Andrew Gorczyca's questions to Trustmark Corp (TRMK) leadership • Q4 2024

    Question

    Andrew Gorczyca of Piper Sandler & Co. followed up on capital priorities, asking which geographic regions present the most attractive opportunities for market expansion in 2025.

    Answer

    CEO Duane Dewey stated that organic loan growth is the top priority. For 2025, the most likely expansion strategy is adding production staff in existing markets, specifically highlighting Houston, South Alabama, Birmingham, and Atlanta. He also pointed to equipment finance as a key growth area and noted the long-term potential in the broader Tennessee and Texas footprint.

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