Regulation F Financial Highlights
Regulation F
Financial Highlights
Dollars in thousands except per share data; interim period ratios are annualized.
Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | |
| Consolidated Balance Sheet |
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| Total Assets ($) | 32,536,980 | 31,540,274 | 33,486,484 | 33,913,361 | 32,345,107 |
| Loans Held for Investment (LHI) | 18,134,059 | 17,976,183 | 18,217,976 | 18,563,845 | 18,641,301 |
| LHI, Mortgage Finance | 6,057,804 | 6,064,019 | 6,961,686 | 6,383,381 | 5,441,689 |
| Total LHI | 24,191,863 | 24,040,202 | 25,179,662 | 24,947,226 | 24,082,990 |
| Demand Deposits | 7,689,598 | 6,959,097 | 7,634,618 | 7,573,788 | 7,006,314 |
| Total Deposits | 27,505,398 | 26,448,767 | 28,516,688 | 28,911,388 | 27,715,655 |
| Stockholders' Equity | 3,637,098 | 3,631,382 | 3,606,207 | 3,647,707 | 3,487,590 |
| Consolidated Statement of Income |
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| Net Income ($) | 105,210 | 100,659 | 73,788 | 84,948 | 103,705 |
| Diluted Earnings per Common Share ($) | 2.18 | 2.12 | 1.56 | 1.83 | 2.28 |
| Credit Quality |
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| Allowance for Credit Losses on Loans ($) | 274,026 | 270,557 | 270,441 | 268,268 | 270,333 |
| Provision for Credit Losses on Loans | 10,118 | 7,258 | 17,242 | 13,910 | 16,603 |
| Net Charge Offs | 13,740 | 10,727 | 17,358 | 16,083 | 14,538 |
| Non-Performing Assets | 96,084 | 121,241 | 166,280 | 123,981 | 122,337 |
| Total Provision for Credit Losses to Average LHI | 0.20% | 0.18% | 0.30% | 0.26% | 0.24% |
| Total Provision for Credit Losses to Average LHI, excluding Mortgage Finance | 0.26% | 0.24% | 0.35% | 0.39% | 0.36% |
| Total Allowance for Credit Losses to LHI | 1.37% | 1.38% | 1.32% | 1.34% | 1.39% |
| Total Allowance for Credit Losses to LHI, excluding Mortgage Finance | 1.79% | 1.82% | 1.81% | 1.78% | 1.78% |
| Texas Ratio (1) | 2.46% | 3.60% | 4.76% | 3.18% | 4.67% |
| Selected Financial Ratios |
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| Net Interest Margin | 3.47% | 3.38% | 3.43% | 3.28% | 3.44% |
| Return on Average Assets | 1.30% | 1.22% | 0.95% | 1.03% | 1.25% |
| Return on Average Common Equity | 12.04% | 11.18% | 8.35% | 9.56% | 11.57% |
| Efficiency Ratio (2) | 56.0% | 56.2% | 65.9% | 61.3% | 57.2% |
| Tangible Common Equity to Total Tangible Assets (3) | 10.3% | 10.6% | 9.9% | 9.9% | 9.9% |
| Common Equity Tier 1 | 12.1% | 12.1% | 12.0% | 12.1% | 12.2% |
| Tier 1 Capital | 13.6% | 13.6% | 13.4% | 13.5% | 13.7% |
| Total Capital | 16.1% | 16.1% | 15.9% | 14.7% | 14.8% |
| Leverage | 11.9% | 11.7% | 12.1% | 11.6% | 11.7% |
| Long-Term Issuer Credit Ratings | S&P | Moody's |
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| Texas Capital Bancshares, Inc. | BBB- | Baa3 |
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| Texas Capital Bank | BBB | Baa2 |
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(1) Non-performing assets plus loans 90+ days past due, divided by the stockholders' equity plus allowance for credit losses on loans less goodwill and intangibles.
(2) Non-interest expense divided by the sum of net interest income and non-interest income.
(3) Stockholders' equity excluding preferred stock, less goodwill and intangibles, divided by total assets, less goodwill and intangibles.