Oman joins Texas Capital from PricewaterhouseCoopers (PwC) where he served as a Managing Director in the firm's financial risk practice. Prior to PwC, he led strategic execution in market risk, global markets infrastructure, credit risk review, global wealth and investment management, emerging markets risk and counterparty risk for firms in New York and London, including Bank of New York Mellon, Credit Suisse AG, Bank of America Merrill Lynch and UBS, among others. "David's extensive professional experience ...

DALLAS, May 21, 2024 (GLOBE NEWSWIRE) -- Texas Capital Bancshares, Inc. (NASDAQ: TCBI), the parent company of Texas Capital, today announced the appointment of David Oman to serve as the firm's Chief Risk Officer (CRO), effective June 10, 2024. Oman will report directly to Texas Capital's President & Chief Executive Officer Rob C. Holmes and serve as a member of the firm's Operating Committee. As previously announced, Tim Storms, Texas Capital's current CRO will retire next month and continue to serve as an ...

Portfolio Concentrations (1) March 31, 2024 includes one non-accrual loan previously reported in loans held for investment that was transferred at fair value to held for sale as of March 31, 2024. Table of Contents | --- | --- | --- | --- | --- | --- | |----------------------------|-------|------------------------|----------------------------------------------------------------------|--------------------------------------|-----------------------------------------| | (dollars in thousands) | | 2024 \nNet Cha ...

Texas Capital Bancshares, Inc. (NASDAQ:TCBI) Q1 2024 Earnings Conference Call April 18, 2024 9:00 AM ET Company Participants Jocelyn Kukulka - Head of IR Rob Holmes - President and CEO Matt Scurlock - CFO Conference Call Participants Brett Rabatin - Hovde Group Ben Gerlinger - Citi Matt Olney - Stephens Woody Lay - KBW Jon Arfstrom - RBC Operator Welcome to the Texas Capital Bancshares, Inc. Q1 Conference Call. My name is Carla, and I will be coordinating your call today. [Operator Instructions] I will now ...

Exhibit 99.1 INVESTOR CONTACT Jocelyn Kukulka, 469.399.8544 jocelyn.kukulka@texascapitalbank.com MEDIA CONTACT Julia Monter, 469.399.8425 julia.monter@texascapitalbank.com TEXAS CAPITAL BANCSHARES, INC. ANNOUNCES FIRST QUARTER 2024 RESULTS First quarter 2024 net income of $26.1 million and net income available to common stockholders of $21.8 million, or $0.46 per diluted share First quarter 2024 growth in loans held for investment of 2.4% and in total deposits of 7.1% Capital ratios continue to be strong, i ...

Regulatory Compliance - The Company is subject to regulatory capital requirements that may change, potentially requiring an increase in capital allocation to assets held by the Bank[61]. - The Company is required to comply with the Community Reinvestment Act (CRA), which mandates meeting the credit needs of market areas, and is subject to periodic examinations[78]. - The revised CRA regulations, effective January 1, 2026, will alter compliance assessment methodologies, potentially increasing challenges for the Bank to achieve satisfactory ratings[79]. - The Company has invested significant resources to comply with anti-money laundering laws and regulations, including the Bank Secrecy Act and the Anti-Money Laundering Act of 2020[80][82]. - The Company must adhere to the Office of Foreign Assets Control (OFAC) regulations, which require blocking transactions with prohibited parties, to avoid legal and reputational risks[83]. - Federal banking agencies have broad authority to enforce operational and managerial standards, and failure to comply may result in enforcement actions against the Bank[85]. Capital and Liquidity - The capital categories for insured depository institutions include "well capitalized" (≥10% total risk-based capital ratio), "adequately capitalized" (≥8%), "undercapitalized" (<8%), "significantly undercapitalized" (<6%), and "critically undercapitalized" (tangible equity to total assets ≤2%)[64]. - The liquidity coverage ratio (LCR) and net stable funding ratio (NSFR) are designed to ensure adequate liquidity and promote long-term funding, although they are not currently applicable to the Company[70][71]. - The Bank's deposits are insured up to $250,000 per depositor, per account ownership category, per bank, as per FDIC regulations[91]. - The FDIC has established a plan to restore the Deposit Insurance Fund (DIF) reserve ratio to at least 1.35% by September 30, 2028, with an amended restoration plan increasing the initial base deposit insurance assessment rate by 2 basis points starting in 2023[92]. Market Risk Management - The Company uses Value-at-Risk (VaR) to measure market risk, with no significant market risk exposure reported as of December 31, 2023[269]. - The Company utilizes derivative transactions to manage interest rate, prepayment, credit, price, and foreign currency fluctuations[278]. - Derivative contracts are designated as fair value hedges, cash flow hedges, or net investment hedges, depending on the nature of the transaction[279]. - The Company’s interest rate risk exposure model incorporates updated assumptions regarding deposit behaviors and loan prepayment in response to market rate changes[277]. - The simulations used to manage market risk are based on numerous assumptions, which are inherently uncertain and may lead to actual results differing from simulated results[277]. - Interest rate derivative contracts are employed to support customer-related positions and manage asset/liability risk[280]. Interest Rate Sensitivity - As of December 31, 2023, the Company's total interest-sensitive assets amount to $27,650,472,000, while total interest-sensitive liabilities are $17,402,710,000, resulting in a positive gap of $6,546,686,000[272]. - The Company has a cumulative gap of $10,247,762,000 as of December 31, 2023, indicating a strong asset sensitivity position[272]. - As of December 31, 2023, a 200 basis point increase in interest rates is projected to result in a 3.2% annualized hypothetical change in net interest income, compared to 14.5% in 2022[277]. - A 100 basis point increase in interest rates is expected to lead to a 1.6% change in net interest income for 2023, down from 8.0% in 2022[277]. - The model indicates that a 100 basis point decrease in interest rates would result in a (4.4)% change in net interest income, while a 200 basis point decrease would lead to a (9.1)% change[277]. - The Company will continue to evaluate interest rate scenarios as they change, with a focus on the impact of both increases and decreases in rates[276]. Regulatory Impact - The Volcker Rule has not materially affected the Company's operations, although future interpretations may pose risks[94]. - The Dodd-Frank Act limits interchange fees for electronic debit transactions to 21 cents plus 0.05% of the transaction value, with a proposed reduction in maximum interchange fees for large debit card issuers[95]. - The Federal Reserve, OCC, and FDIC issued guidance in 2010 to ensure that incentive compensation policies do not encourage excessive risk-taking, with rules proposed in 2016 still pending implementation[90]. - The FDIC approved a special assessment in November 2023 to recover losses associated with bank failures, to be collected at an annual rate of approximately 13.4 basis points over eight quarterly assessment periods starting in 2024[93].

Texas Capital Bancshares, Inc. (NASDAQ:TCBI) Q4 2023 Earnings Conference Call January 18, 2024 9:00 AM ET Company Participants Jocelyn Kukulka - Head of Investor Relations Rob Holmes - President and Chief Executive Officer Matt Scurlock - Chief Financial Officer Conference Call Participants Ben Gerlinger - Citigroup Matt Olney - Stephens Woody Lay - KBW Anthony Elian - JPMorgan Brody Preston - UBS Operator Hello and welcome to the Texas Capital Bancshares, Inc. Q4 2023 Earnings Call. My name is Elliot and I ...

Q3-2023 Earnings October 19, 2023 © 2023 Texas Capital Bank Member FDIC Forward-Looking Statements 2 This communication contains "forward-looking statements" within the meaning of and pursuant to the Private Securities Litigation Reform Act of 1995 regarding, among other things, TCBI's financial condition, results of operations, business plans and future performance. These statements are not historical in nature and may often be identified by the use of words such as "believes," "projects," "expects," "may, ...

Texas Capital Bancshares, Inc. (NASDAQ:TCBI) Q3 2023 Earnings Call Transcript October 19, 2023 9:00 AM ET Company Participants Jocelyn Kukulka - Head of IR Rob Holmes - President and CEO Matt Scurlock - CFO Conference Call Participants Michael Rose - Raymond James Matt Olney - Stephens Zachary Westerlind - UBS Brady Gailey - KBW Operator Hello, all, and welcome to TCBI's Third Quarter 2023 Earnings Call. My name is Lydia, and I will be your operator today. [Operator Instructions] It's my pleasure to now han ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. 2000 McKinney Avenue Suite 700 Dallas TX USA 75201 (Address of principal executive offices) (Zip Code) 214/932-6600 For the quarterly period ended September 30, 2023 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the transition period from to Commission file number 001-34657 TEXAS CAPITAL ...