-- Reached 302 basis points, up 30 basis points from 2024; PlainsCapital Bank’s NIM up 12 basis points year over year and ended the quarter at 329 basis points. Interest-Bearing Deposit Costs -- Averaged 269 basis points in Q4, down 21 basis points sequentially, and 44 basis points year over year. -- Averaged 269 basis points in Q4, down 21 basis points sequentially, and 44 basis points year over year. SummaryHilltop Holdings (HTH +3.13%) recorded notable full-year and quarterly growth in net income, driven by improvement in net interest income, deposit cost management, and increased business line fee revenues. : Customer funds automatically transferred into interest-bearing accounts or investment vehicles, often affecting balance sheet composition and net interest income volatility.