8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):  September 11, 2017

Hilltop Holdings Inc.

(Exact name of registrant as specified in its charter)

Maryland	1-31987	84-1477939
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

2323 Victory Avenue, Suite 1400 Dallas, Texas	75219
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code:  (214) 855-2177

200 Crescent Court, Suite 1330, Dallas, Texas 75201

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

oWritten communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

oSoliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

oPre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

oPre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company o

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Section 7 — Regulation FD

Item 7.01      Regulation FD Disclosure.

Hilltop Holdings Inc. continues to evaluate the impact of Hurricane Harvey on its businesses.  Information regarding exposures to, and potential impacts of, Hurricane Harvey is set forth in Exhibit 99.1 attached to this Current Report on Form 8-K and is incorporated herein by reference. The Company may use this presentation, in whole or in part, in one or more meetings with investors or analysts.

The information in this Current Report on Form 8-K (including Exhibit 99.1) is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as expressly set forth in such filing.

Section 9 — Financial Statements and Exhibits

Item 9.01      Financial Statements and Exhibits.

(a)       Financial statements of businesses acquired.

Not applicable.

(b)Pro forma financial information.

Not applicable.

(c)Shell company transactions.

Not applicable.

(d)Exhibits.

The following exhibits are filed or furnished, depending on the relative item requiring such exhibit, in accordance with the provisions of Item 601 of Regulation S-K and Instruction B.2 to this form.

Exhibit Number	Description of Exhibit
99.1	Hurricane Harvey Update Presentation (furnished)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	Hilltop Holdings Inc.,
	a Maryland corporation
Date:    September 11, 2017	By:	/s/ COREY PRESTIDGE
	Name:	Corey G. Prestidge
	Title:	Executive Vice President, General Counsel & Secretary

2

EX-99.1

Exhibit 99.1

Hurricane Harvey Update September 11, 2017

2 Forward-Looking Statements This presentation includes “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements anticipated in such statements. Forward-looking statements speak only as of the date they are made and, except as required by law, we do not assume any duty to update forward-looking statements. Such forward-looking statements include, but are not limited to, statements concerning the unknown impact and effects of Hurricane Harvey on our businesses and our other plans, objectives, strategies, expectations and intentions and other statements that are not statements of historical fact, and may be identified by words such as “continuing,” “could,” “evaluate,” “expects,” “indicate,” “may,” “plan,” “projects,” “view” or “would” or the negative of these words and phrases or similar words or phrases. For a discussion of other risks, uncertainties and factors, see the risk factors described in our most recent Annual Report on Form 10-K , and subsequent Quarterly Reports on Form 10-Q and other reports, that we have filed with the Securities and Exchange Commission. All forward-looking statements are qualified in their entirety by this cautionary statement.

3 Summary All employees in the affected areas are safe We are continuing to monitor and evaluate the impact of this catastrophe, but all of our businesses are fully operational Our teams are reaching out to help evaluate our customers needs and to provide assistance and support Access to cash and banking services is vital to those areas that have been impacted. Our branches and ATMs provide an essential service to the communities they serve, and we worked diligently to restore our operations in the affected markets. Throughout our efforts, the safety of our employees, customers, and community residents remained paramount.

4 Business Impact Overview Branches and Corporate Real Estate – Hilltop operates 20 offices in the hurricane affected markets. Of those, one HilltopSecurities facility is not fully operational as a result of significant flood damage. All associates in the flooded office have been relocated to other branches and are functioning in a normal capacity. Commercial Lending – Approximately 11% of total bank loans are located inside the hurricane affected areas. Initial calls with clients currently indicate limited flood and/or wind damage. Overall economic activity and impact of ongoing business flows is currently unknown. Loans in hurricane affected markets (1) Loan Type Balances ($ in millions) Commercial Real Estate 528 Single Family Residential 23 Personal Loans 1 Agricultural Loans 0 Business 99 Total Impacted Loans 652 (1) Loans with collateral domiciled in hurricane affected area

5 Business Impact Overview Cont’d Mortgage Banking – We are evaluating previously rate locked volume in affected areas and flood protection for “loans in process” Funded loans, not yet sold into the secondary markets, equate to approximately $40 million. We are continuing to assess which, if any, may have been affected by flooding. Exposure could be subject to reappraisal, borrower’s ability to repay, and flood insurance Insurance – Evaluating claims and policy exposures for our clients as they are submitted ­Catastrophic reinsurance program for insurance losses in excess of $8 million and up to $105 million . Early analysis expects gross losses to be well below the $105 million coverage limit.

6 Ongoing Support We recognize the recovery effort will be lengthy and have taken the following steps to assist our customers. Refunding of surcharge fees assessed by automated teller machines (ATMs) operated by other owners Waiving automated teller machine (ATM) fees on bank-owned ATMs located in affected areas Increased ATM daily cash withdrawal limits Waiving of early withdrawal penalties on time deposits (case by case basis) Waiving overdraft fees (case by case basis) Expedited setup of digital banking, mobile deposit, and flexibility with mobile deposit daily limits No late fees for loan payments through November 30, 2017 Residential loan payment deferrals (case by case basis)