Core Viewpoint - Robert W. Stallings, a director at Texas Capital Bancshares, purchased 40,000 Depositary Shares for Series B Preferred shares, indicating confidence in the company's future performance [1][6]. Transaction Summary - A total of 40,000 shares were traded with a transaction value of approximately $888,000, based on a weighted average purchase price of $22.20 per share [2]. - Post-transaction, Stallings holds 289,961 shares directly and 90,039 shares indirectly, with a total direct ownership value of around $28.05 million [2]. Company Overview - Texas Capital Bancshares reported a revenue of $1.20 billion and a net income of $312.99 million for the trailing twelve months (TTM) [4]. - The company's stock has experienced a 21.94% price change over the past year, calculated using February 28, 2026, as the reference date [4]. Company Snapshot - Texas Capital Bancshares is a prominent regional bank holding company based in Dallas, Texas, offering a wide range of commercial and consumer banking products [5]. - The company generates revenue primarily through net interest income from loans and deposits, as well as fee-based services [5]. Transaction Implications for Investors - Stallings purchased Depositary Shares (TCBIO), which represent 1/40 of an ownership interest in one Series B preferred share, allowing investors to earn dividends without voting power [6]. - The company announced a cash dividend of $14.38 per Series B share, equivalent to $0.359375 per depositary share, to be paid on March 16 [7]. - The purchase was made at a weighted average price of $22.20 per share, with the stock delivering a total return of 29.88% over the trailing year [7].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the fiscal year ended December 31, 2025 ☐ 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 BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) Delaware 75-2679109 (State or other jurisdiction of i ...

Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

"Consecutive strong quarters to close 2025 validate our multi-year transformation strategy and demonstrate the resilience of our business model in a complex market environment," said Rob C. Holmes, Chairman, President & CEO. "Surpassing our long-term Return on Average Assets goal of 1.1% in the final two quarters underscores the effectiveness of our deliberate, disciplined approach. We are now positioned to capitalize on our increasingly differentiated platform, executing seamlessly for clients, delivering ...

Financial Performance - For the three months ended September 30, 2025, net income was $105.2 million, compared to a net loss of $61.3 million for the same period in 2024[71]. - For the nine months ended September 30, 2025, net income was $229.6 million, a substantial increase from $6.5 million in the same period of 2024[72]. - Basic earnings per common share for the nine months ended September 30, 2025, was $4.72, compared to a loss of $0.14 per share in 2024[72]. Income Sources - Net interest income for the three months ended September 30, 2025, increased to $271.8 million from $240.1 million in 2024, representing a growth of 13.2%[70]. - Non-interest income for the three months ended September 30, 2025, was $68.6 million, a significant recovery from a loss of $114.8 million in the same period of 2024[70]. - Non-interest income for the nine months ended September 30, 2025, was $167.1 million, a $190.1 million increase compared to the same period in 2024[91]. Efficiency and Ratios - The return on average assets (ROA) improved to 1.30% for the third quarter of 2025, compared to (0.78)% in the third quarter of 2024[71]. - The efficiency ratio improved to 56.0% for the third quarter of 2025, down from 155.8% in the same quarter of 2024[70]. - Net interest margin for the three months ended September 30, 2025, was 3.47%, up from 3.16% in the same period of 2024[70]. Asset and Liability Management - Total assets increased to $32.2 billion as of September 30, 2025, from $31.2 billion as of September 30, 2024[74]. - Average earning assets increased by $1.5 billion for the nine months ended September 30, 2025, including a $1.8 billion increase in average total loans held for investment[86]. - Total loans held for investment increased by $1.7 billion to $24.2 billion as of September 30, 2025, driven by growth in commercial, mortgage finance, and commercial real estate loans[95]. Credit Quality - Provision for credit losses for the three months ended September 30, 2025, was $12.0 million, compared to $10.0 million in the same period of 2024[70]. - The provision for credit losses was $44.0 million for the nine months ended September 30, 2025, down from $49.0 million for the same period in 2024[102]. - Non-accrual loans held for investment decreased to $96.1 million as of September 30, 2025, from $111.2 million at December 31, 2024, representing a decline in the non-accrual loans to total loans ratio to 0.40%[100]. Deposits and Borrowings - Customer deposits increased to $26.7 billion as of September 30, 2025, compared to $24.7 billion at December 31, 2024, with a slight decrease in the percentage of total deposits from 97.9% to 97.2%[107]. - Total short-term borrowings decreased to $275.0 million as of September 30, 2025, from $885.0 million at December 31, 2024[108]. - Average interest bearing liabilities increased by $2.0 billion for the nine months ended September 30, 2025, primarily due to a $2.7 billion increase in average interest bearing deposits[87]. Capital Management - The Company authorized a new share repurchase program for up to $200.0 million, with $59.2 million spent to repurchase 801,053 shares at an average price of $73.44 per share during the nine months ended September 30, 2025[114]. - The Company has long-term debt of $620.4 million as of September 30, 2025, with maturities ranging from January 2026 to December 2036[110]. - Average equity capital for the nine months ended September 30, 2025, was $3.5 billion, up from $3.2 billion for the same period in 2024[113]. Risk Management - The Company utilizes derivative transactions to manage various risks, including interest rate and foreign currency fluctuations[130]. - The Company’s market risk management strategy includes the use of Value-at-Risk (VaR) to measure and limit aggregate market risk on the trading portfolio[121]. - The assumptions used in the interest rate risk model are inherently uncertain, leading to potential discrepancies between simulated and actual results[129].

Financial Performance - Record-level net income of $105.2 million and diluted earnings per share of $2.18 for Q3 2025, compared to $73.0 million and $1.58 in Q2 2025[2][6] - Net income available to common stockholders for Q3 2025 was $100,897,000, a substantial increase from $73,016,000 in Q2 2025, representing a growth of 37.9%[23] - Adjusted net income for Q3 2025 was $105,210,000, compared to $79,841,000 in Q2 2025, reflecting a 31.8% increase[36] - Basic earnings per common share for Q3 2025 was $2.21, up from $1.59 in Q2 2025, representing a growth of 39.1%[27] - Diluted earnings per share for Q3 2025 were $2.18, an increase from $1.58 in Q2 2025[36] Asset and Loan Growth - Total assets increased to $32,536,980,000 in Q3 2025 from $31,943,535,000 in Q2 2025, reflecting a growth of 1.8%[23] - Total assets as of Q3 2025 were $32,162,709 thousand, up from $31,419,469 thousand in Q2 2025[32] - Total loans held for investment reached $24.2 billion, up from $23.9 billion in Q2 2025[4][8] - Loans held for investment increased to $23,448,533 thousand in Q3 2025, with a yield of 6.42%, compared to $23,068,150 thousand and 6.34% in Q2 2025[32] Income and Revenue - Net interest income increased to $271.8 million in Q3 2025, compared to $253.4 million in Q2 2025, with a net interest margin of 3.47%[8] - Non-interest income increased by $14.5 million in Q3 2025 compared to Q2 2025, driven by higher investment banking and advisory fees[9] - Non-interest income for Q3 2025 was $68.58 million, a significant increase from $54.07 million in Q2 2025[27] - Net interest income for Q3 2025 was $271,771,000, an increase of 7.2% from Q2 2025's $253,395,000[36] Credit Quality and Losses - Provision for credit losses was $12.0 million in Q3 2025, down from $15.0 million in Q2 2025[7] - The provision for credit losses decreased to $12,000,000 in Q3 2025 from $15,000,000 in Q2 2025, indicating improved credit quality[36] - Criticized loans decreased to $529.7 million at the end of Q3 2025, down from $637.5 million at the end of Q2 2025[16] - Total non-performing assets amounted to $96,084 thousand in Q3 2025, down from $113,609 thousand in Q2 2025, representing a decrease of 15.4%[30] Capital and Equity - Stockholders' equity reached $3.6 billion, up from $3.5 billion in Q2 2025[4] - Common Equity Tier 1 ratio increased to 12.1% in Q3 2025 from 11.4% in Q2 2025, indicating stronger capital position[23] - The average common equity for Q3 2025 was $3,324,184,000, compared to $3,195,041,000 in Q2 2025, reflecting a growth in equity base[36] Efficiency and Management - Return on average assets increased to 1.30% in Q3 2025 from 0.99% in Q2 2025[4][6] - The efficiency ratio improved to 56.0% in Q3 2025, down from 61.9% in Q2 2025, demonstrating better cost management[36] - The net interest margin improved to 3.47% in Q3 2025, up from 3.35% in Q2 2025, indicating enhanced profitability[23] Shareholder Actions - The company repurchased 87,087 shares for a total of $7.1 million at an average price of $80.49 per share during Q3 2025[18]

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. For the quarterly period ended June 30, 2025 ☐ 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 BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) Delaware 75-2679109 (State or other jurisdiction ...

Second quarter 2025 net income of $77.3 million and net income available to common stockholders of $73.0 million, up 86% and 95%, respectively, year-over-year Second quarter 2025 EPS of $1.58 per diluted share and adjusted EPS of $1.63 per diluted share, up 98% and 104%, respectively, year-over-year (1) Strong balance sheet growth with total loans increasing 7% quarter-over-quarter and 10% year-over-year Exhibit 99.1 INVESTOR CONTACT Jocelyn Kukulka, 469.399.8544 jocelyn.kukulka@texascapitalbank.com MEDIA C ...

Commission file number 001-34657 TEXAS CAPITAL BANCSHARES, INC. 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. For the quarterly period ended March 31, 2025 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the transition period from to (214) 932-6600 (Registrant's telephone number, including area code) (Exact Name of Registrant as Specif ...

Executive Summary & Highlights Texas Capital Bancshares, Inc. reported strong Q1 2025 results, featuring significant net income growth, record book values, and robust balance sheet expansion. [First Quarter 2025 Overview](index=1&type=section&id=First%20Quarter%202025%20Overview) Texas Capital Bancshares, Inc. announced strong first quarter 2025 results with significant year-over-year improvements in key financial metrics, including a substantial increase in net income and record levels for book value and tangible book value per share. The company also reported robust balance sheet growth and maintained strong capital ratios. - Texas Capital Bancshares, Inc. reported first quarter 2025 net income of **$47.0 million** and net income available to common stockholders of **$42.7 million**, or **$0.92 per diluted share**[1](index=1&type=chunk) - Total deposits increased **9% year-over-year**, and total loans grew **7% year-over-year**, indicating strong balance sheet growth[1](index=1&type=chunk) - Book Value and Tangible Book Value per share both increased **11% year-over-year**, reaching record levels[1](index=1&type=chunk) - Capital ratios remained strong, with **CET1 at 11.6%** and **Total Capital at 15.6%**[1](index=1&type=chunk) [Key Financial and Operating Metrics](index=1&type=section&id=Key%20Financial%20and%20Operating%20Metrics) The table below provides a snapshot of key financial and operating metrics for Q1 2025, Q4 2024, and Q1 2024, highlighting trends in profitability, earnings per share, and balance sheet components. Operating Results (Q1 2025 vs. Q4 2024 vs. Q1 2024) | (dollars in thousands except per share data) | 1st Quarter 2025 | 4th Quarter 2024 | 1st Quarter 2024 | | :------------------------------------------ | :--------------- | :--------------- | :--------------- | | **OPERATING RESULTS** | | | |\ | Net income | $47,047 | $71,023 | $26,142 |\ | Net income available to common stockholders | $42,734 | $66,711 | $21,829 |\ | Diluted earnings per common share | $0.92 | $1.43 | $0.46 |\ | Return on average assets | 0.61 % | 0.88 % | 0.36 % |\ | Return on average common equity | 5.56 % | 8.50 % | 3.03 % |\ | **BALANCE SHEET** | | | |\ | Total loans held for investment | $22,379,784 | $22,450,066 | $20,831,004 |\ | Total assets | $31,375,749 | $30,731,883 | $29,180,585 |\ | Total deposits | $26,053,034 | $25,238,599 | $23,954,037 |\ | Stockholders' equity | $3,429,774 | $3,367,936 | $3,170,662 | Financial Performance Analysis This section analyzes the company's financial performance, comparing Q1 2025 results against both the previous quarter and the prior year, highlighting key drivers of change in income, expenses, and margins. [First Quarter 2025 vs. Fourth Quarter 2024](index=2&type=section&id=First%20Quarter%202025%20vs.%20Fourth%20Quarter%202024) Compared to the fourth quarter of 2024, Q1 2025 saw a decrease in net income available to common stockholders and diluted EPS, primarily driven by increased non-interest expense due to seasonal payrolls and lower non-interest income. However, net interest income and net interest margin improved due to decreased funding costs. Q1 2025 vs. Q4 2024 Key Financials | Metric | Q1 2025 | Q4 2024 | Change (QoQ) | | :-------------------------------------- | :------------- | :------------- | :------------- | | Net income available to common stockholders | $42.7 million | $66.7 million | -$24.0 million |\ | Diluted earnings per common share | $0.92 | $1.43 | -$0.51 |\ | Provision for credit losses | $17.0 million | $18.0 million | -$1.0 million |\ | Net interest income | $236.0 million | $229.6 million | +$6.4 million |\ | Net interest margin | 3.19 % | 2.93 % | +26 bps |\ | Non-interest income | | | -$9.6 million |\ | Non-interest expense | | | +$30.9 million | - The decrease in non-interest income was primarily due to a decrease in investment banking and advisory fees[7](index=7&type=chunk) - The increase in non-interest expense was primarily due to seasonal payroll expenses that peak in the first quarter[7](index=7&type=chunk) - The provision for credit losses in Q1 2025 was primarily due to an increase in criticized loans and **$9.8 million** in net charge-offs, as well as uncertainty in the economic outlook[5](index=5&type=chunk) [First Quarter 2025 vs. First Quarter 2024](index=2&type=section&id=First%20Quarter%202025%20vs.%20First%20Quarter%202024) On a year-over-year basis, Q1 2025 demonstrated significant growth in net income and diluted EPS. Net interest income and margin also improved, driven by increased average total loans held for investment and decreased funding costs, despite a slight increase in non-interest expense. Q1 2025 vs. Q1 2024 Key Financials | Metric | Q1 2025 | Q1 2024 | Change (YoY) | | :-------------------------------------- | :------------- | :------------- | :------------- | | Net income available to common stockholders | $42.7 million | $21.8 million | +$20.9 million |\ | Diluted earnings per common share | $0.92 | $0.46 | +$0.46 |\ | Provision for credit losses | $17.0 million | $19.0 million | -$2.0 million |\ | Net interest income | $236.0 million | $215.0 million | +$21.0 million |\ | Net interest margin | 3.19 % | 3.03 % | +16 bps |\ | Non-interest income | | | +$3.1 million |\ | Non-interest expense | | | +$627 thousand | - The increase in net interest income was primarily due to an increase in average total loans held for investment and a decrease in funding costs[10](index=10&type=chunk) - Non-interest income increased due to higher service charges on deposit accounts, trading income, and other non-interest income, partially offset by lower investment banking and advisory fees[11](index=11&type=chunk) - Non-interest expense increased slightly, primarily due to increases in salaries and benefits and communications and technology expense, partially offset by a decrease in Federal Deposit Insurance Corporation (FDIC) expense (Q1 2024 included **$3.0 million** in additional FDIC special assessment expense)[12](index=12&type=chunk) Credit Quality This section provides an overview of the company's credit quality, detailing key metrics such as net charge-offs, criticized loans, and non-performing assets, along with their trends over recent quarters. [Overview of Credit Quality Metrics](index=2&type=section&id=Overview%20of%20Credit%20Quality%20Metrics) Credit quality metrics in Q1 2025 showed mixed trends. Net charge-offs decreased both quarter-over-quarter and year-over-year, while criticized loans increased quarter-over-quarter but decreased year-over-year. Non-accrual loans held for investment decreased QoQ but slightly increased YoY. Key Credit Quality Metrics | Metric | March 31, 2025 | December 31, 2024 | March 31, 2024 | | :------------------------------------------ | :------------- | :---------------- | :------------- | | Net charge-offs (Q1) | $9.8 million | $12.1 million | $10.8 million |\ | Criticized loans | $762.9 million | $714.0 million | $859.5 million |\ | Non-accrual LHI | $93.6 million | $111.2 million | $92.8 million |\ | Non-accrual LHI to total LHI | 0.42 % | 0.50 % | 0.45 % |\ | Total allowance for credit losses to total LHI | 1.48 % | 1.45 % | 1.46 % | [Detailed Credit Loss Experience](index=7&type=section&id=Detailed%20Credit%20Loss%20Experience) The summary of credit loss experience details the allowance for credit losses, charge-offs, recoveries, and related ratios over the past five quarters. Net charge-offs decreased in Q1 2025 compared to both the prior quarter and the prior year, while the total allowance for credit losses increased. Summary of Credit Loss Experience (dollars in thousands) | | 1st Quarter 2025 | 4th Quarter 2024 | 3rd Quarter 2024 | 2nd Quarter 2024 | 1st Quarter 2024 | | :--------------------------------------------------- | :--------------- | :--------------- | :--------------- | :--------------- | :--------------- | | **Allowance for credit losses on loans:** | | | | | |\ | Beginning balance | $271,709 | $273,143 | $26