A.M. Best Co. has affirmed the financial strength rating (FSR) of A (Excellent) and issuer credit rating (ICR) of “a+” of Texas-based National Lloyds Insurance Company (National Lloyds) as well as the FSR of A (Excellent) and ICR of “a” of American Summit Insurance Company (American Summit).

Additionally, A.M. Best has affirmed the ICR of “bbb+” of Hilltop Holdings Inc. (HTH), headquartered in Dallas, Texas. National Lloyds and American Summit are subsidiaries of HTH, which operates as a public holding company. The outlook for all ratings is stable.