Regulation F Financial Highlights
Regulation F
Financial Highlights
Dollars in thousands except per share data; interim period ratios are annualized.
Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
| Consolidated Balance Sheet |
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| Total Assets ($) | 31,375,749 | 31,943,535 | 32,536,980 | 31,540,274 | 33,486,484 |
| Loans Held for Investment (LHI) | 17,654,243 | 18,035,945 | 18,134,059 | 17,976,183 | 18,217,976 |
| LHI, Mortgage Finance | 4,725,541 | 5,889,589 | 6,057,804 | 6,064,019 | 6,961,686 |
| Total LHI | 22,379,784 | 23,925,534 | 24,191,863 | 24,040,202 | 25,179,662 |
| Demand Deposits | 7,874,780 | 7,718,006 | 7,689,598 | 6,959,097 | 7,634,618 |
| Total Deposits | 26,053,034 | 26,064,309 | 27,505,398 | 26,448,767 | 28,516,688 |
| Stockholders' Equity | 3,429,774 | 3,510,070 | 3,637,098 | 3,631,382 | 3,606,207 |
| Consolidated Statement of Income |
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| Net Income ($) | 47,047 | 77,328 | 105,210 | 100,659 | 73,788 |
| Diluted Earnings per Common Share ($) | 0.92 | 1.58 | 2.18 | 2.12 | 1.56 |
| Credit Quality |
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| Allowance for Credit Losses on Loans ($) | 278,379 | 277,648 | 274,026 | 270,557 | 270,441 |
| Provision for Credit Losses on Loans | 16,467 | 12,234 | 10,118 | 7,258 | 17,242 |
| Net Charge Offs | 9,797 | 12,965 | 13,740 | 10,727 | 17,358 |
| Non-Performing Assets | 93,565 | 113,609 | 96,084 | 121,241 | 166,280 |
| Total Provision for Credit Losses to Average LHI | 0.32% | 0.26% | 0.20% | 0.18% | 0.30% |
| Total Provision for Credit Losses to Average LHI, excluding Mortgage Finance | 0.39% | 0.33% | 0.26% | 0.24% | 0.35% |
| Total Allowance for Credit Losses to LHI | 1.48% | 1.40% | 1.37% | 1.38% | 1.32% |
| Total Allowance for Credit Losses to LHI, excluding Mortgage Finance | 1.85% | 1.79% | 1.79% | 1.82% | 1.81% |
| Texas Ratio (1) | 2.55% | 3.06% | 2.46% | 3.60% | 4.76% |
| Selected Financial Ratios |
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| Net Interest Margin | 3.19% | 3.35% | 3.47% | 3.38% | 3.43% |
| Return on Average Assets | 0.61% | 0.99% | 1.30% | 1.22% | 0.95% |
| Return on Average Common Equity | 5.56% | 9.17% | 12.04% | 11.18% | 8.35% |
| Efficiency Ratio (2) | 72.4% | 61.9% | 56.0% | 56.2% | 65.9% |
| Tangible Common Equity to Total Tangible Assets (3) | 10.0% | 10.1% | 10.3% | 10.6% | 9.9% |
| Common Equity Tier 1 | 11.6% | 11.4% | 12.1% | 12.1% | 12.0% |
| Tier 1 Capital | 13.1% | 12.9% | 13.6% | 13.6% | 13.4% |
| Total Capital | 15.6% | 15.3% | 16.1% | 16.1% | 15.9% |
| Leverage | 11.8% | 11.8% | 11.9% | 11.7% | 12.1% |
| 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.