https://files.reportify.cc/media/production/TC INVESTOR CONTACT Jocelyn Kukulka, 469.399.8544 jocelyn.kukulka@texascapitalbank.com Dallas, TX - January 22, 2026 (4) Stockholders' equity excluding preferred stock, less goodwill and intangibles, divided by shares outstanding at period end. Exhibit 99.1 FOURTH QUARTER 2025 COMPARED TO THIRD QUARTER 2025 TEXAS CAPITAL BANCSHARES, INC. ANNOUNCES FOURTH QUARTER AND FULL YEAR 2025 RESULTS Fourth quarter 2025 net income available to common stockholders of $96.3 mil ...

"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 - Net income for Q4 2025 was $33.6 million, or $1.03 per diluted share, a decrease of 1.1% from the previous quarter but an increase of 15.8% from Q4 2024[6]. - The efficiency ratio improved to 54.68% in Q4 2025, down from 56.18% in the previous quarter[7]. - Return on average assets was 1.34% for Q4 2025, while return on average equity was 10.02%, both slightly down from the previous quarter[7]. - Net income for the quarter was $33,634,000, slightly down from $34,019,000 in the previous quarter, indicating a decrease of 1.1%[53]. - Net income for the three months ended December 31, 2025, was $33,634,000, an increase from $29,034,000 in the same period of 2024, representing a growth of 15%[57]. Interest Income and Margin - Net interest income (FTE) increased to $92.5 million, up 2.97% from the previous quarter, with a net interest margin (FTE) of 4.02%, an increase of 10 basis points[6]. - Net interest income (FTE) for Q4 2025 was $92,487 thousand, a 3.0% increase from $89,817 thousand in Q3 2025[20][24]. - Net interest margin (FTE) improved to 4.02%, up 10 basis points from the previous quarter[20][24]. - The yield on loans was 5.77%, a slight increase from 5.75% in the previous quarter[17][22]. - Average loan yields decreased from 5.78% to 5.77% year-over-year, with the cost of interest-bearing deposits down by 28 basis points[25]. Loan and Deposit Balances - Loan balances rose by $104.3 million or 6.0% annualized from the previous quarter, and increased by $342.6 million or 5.1% year-over-year[10]. - Total loans outstanding reached $7.1 billion as of December 31, 2025, marking a 5.1% increase from the same date in 2024[10]. - Total deposits reached $8,376,361 thousand, a marginal increase of 0.7% from the previous quarter[15]. - Deposit balances decreased by $70.6 million or 3.4% annualized from the previous quarter, but increased by $176.3 million or 2.2% year-over-year[6]. Credit Quality - The provision for credit losses was $3.0 million for Q4 2025, compared to $0.7 million in the previous quarter, reflecting a significant increase of 347.8%[7]. - The allowance for credit losses (ACL) was $125.8 million, representing 1.77% of total loans as of December 31, 2025[32]. - Non-performing loans decreased by $1.4 million to $64.2 million, with approximately $36.7 million current or less than 30 days past due[37]. - The ratio of classified loans to total loans was 1.78%, down 10 basis points from the previous quarter[35]. - Loans past due 30 days or more decreased by $7.8 million to $37.9 million[36]. Non-Interest Income and Expenses - Non-interest income decreased by $0.8 million or 4.7% to $17.2 million for the three months ended December 31, 2025, compared to $18.0 million for the previous quarter[42]. - Total non-interest income increased by $3.9 million or 6.1% to $68.3 million for the twelve months ended December 31, 2025, compared to $64.4 million for the same period in 2024[44]. - Total non-interest expense decreased by $0.6 million or 1.0% to $59.8 million for the quarter ended December 31, 2025, compared to $60.4 million for the previous quarter[45]. - Total salaries and benefits expense decreased by $0.8 million or 2.2% to $36.9 million, reflecting a reduction in full-time equivalent staff[45]. - The largest component of non-interest expense was salaries and benefits, which increased by $9.2 million or 6.5% to $149.8 million, attributed to merit increases and increased incentive compensation[48]. Shareholder Equity and Capital - The company authorized a new share repurchase program, reflecting confidence in its financial position and future growth prospects[1]. - The tangible book value per share increased to $31.52 at December 31, 2025, up from $30.61 at September 30, 2025[11]. - Total shareholders' equity increased to $1,328,001 as of December 31, 2025, from $1,304,305 in the prior quarter, reflecting a growth of 1.8%[54]. - Common shareholders' equity (book value) per share (GAAP) increased to $41.07 for the three months ended December 31, 2025, from $37.03 in the same period of 2024, a growth of 11%[57]. Future Outlook - Management anticipates total non-interest expenses will increase by approximately 5% for the year ending December 31, 2026[48].

Revenue Expectations - Preliminary revenue for Q4 2025 is expected to be between $290.0 million and $293.0 million, exceeding the previous guidance of $275.0 million to $285.0 million[3] - Full year preliminary U.S. GAAP revenue is expected to be between $1,082.2 million and $1,085.2 million[3] Operating Margin - Preliminary GAAP operating margin for Q4 is expected to be between 1.4% and 1.7%, while non-GAAP operating margin is expected to be between 6.0% and 6.9%[4] - Full year preliminary GAAP operating margin is expected to be between (1.5)% and (1.4)%, with non-GAAP operating margin expected to be between 4.6% and 4.9%[4] Earnings Per Share - The company anticipates that Q4 non-GAAP earnings per share will exceed current analyst consensus estimates, though the exact variance is not confirmed[5] Performance Insights - The preliminary results reflect higher demand and strong execution, outperforming expectations amid typical year-end seasonality[6] Reporting Schedule - The final financial results for Q4 and full year 2025 will be reported on February 25, 2026[6] - The company will conduct a conference call on February 26, 2026, to discuss the results in detail[6] Risks - The company is subject to various risks that could cause actual results to differ materially from the preliminary estimates provided[10]

Financial Performance - Preliminary net income for Q2 fiscal 2026 was $18.2 million, an increase of $3.5 million, or 23.9%, compared to the same period last year [2]. - Earnings per diluted common share was $1.62, up $0.32, or 24.6%, year-over-year, and up $0.24, or 17.4%, from Q1 fiscal 2026 [3]. - Net interest income for the three-month period ended December 31, 2025, was $42.9 million, an increase of $4.7 million, or 12.4%, year-over-year [19]. - Noninterest income for the three-month period ended December 31, 2025, was $6.8 million, a decrease of $89,000, or 1.3%, year-over-year [22]. - Net income for Q4 2025 reached $18,150,000, up from $15,650,000 in Q3 2025, representing a 9.6% increase [32]. - Basic earnings per common share rose to $1.62 in Q4 2025, compared to $1.39 in Q3 2025, marking a 16.5% increase [32]. Asset and Loan Growth - Gross loan balances increased by $34.8 million, or 0.8%, from September 30, 2025, and by $199.6 million, or 5.0%, from December 31, 2024 [3]. - Total assets were $5.1 billion at December 31, 2025, reflecting an increase of $74.8 million, or 1.5%, compared to June 30, 2025 [8]. - Total assets increased to $5,094,387 thousand as of December 31, 2025, up from $5,036,332 thousand in the previous quarter, representing a growth of 1.1% [31]. - Loans receivable, gross reached $4,226,556 thousand, an increase from $4,191,743 thousand in the prior quarter, reflecting a growth of 0.8% [31]. Deposits and Cash Management - Total deposits reached $4.3 billion as of December 31, 2025, reflecting an increase of $27.0 million, or 0.63%, compared to June 30, 2025 [17]. - Cash equivalents and time deposits decreased by $58.8 million, or 30.4%, to $134.3 million at December 31, 2025, due to loan growth outpacing deposit generation [9]. - Cash equivalents and time deposits increased to $134,309 thousand, up from $124,358 thousand in the previous quarter, representing an increase of 7.9% [31]. Credit Quality and Allowance - Nonperforming loans (NPLs) were $29.7 million, or 0.70% of gross loans, at December 31, 2025, up from $23.0 million, or 0.56%, at June 30, 2025 [13]. - The allowance for credit losses (ACL) totaled $54.5 million, representing 1.29% of gross loans, compared to 1.26% at June 30, 2025 [14]. - The provision for credit losses (PCL) was $1.7 million for the three-month period ended December 31, 2025, compared to $932,000 in the same period of the prior fiscal year [21]. - Provision for credit losses decreased significantly to $1,680,000 in Q4 2025 from $4,500,000 in Q3 2025, indicating improved credit quality [32]. Shareholder Returns and Equity - The Company repurchased 148,000 shares at an average price of $54.32 per share, totaling $8.1 million [3]. - A quarterly cash dividend of $0.25 per common share was declared, marking the 127th consecutive quarterly dividend [4]. - Stockholders' equity increased to $567.4 million at December 31, 2025, a rise of $22.7 million, or 4.2%, compared to June 30, 2025 [18]. - Total stockholders' equity rose to $567,360 thousand, compared to $560,221 thousand in the previous quarter, indicating an increase of 1.9% [31]. - Total stockholders' equity increased to $563,016,000 in Q4 2025 from $551,787,000 in Q3 2025, reflecting a stronger capital position [33]. Efficiency and Expense Management - Noninterest expense for the same period was $25.3 million, an increase of $394,000, or 1.6%, compared to the prior year [23]. - The efficiency ratio improved to 50.9% for the three-month period ended December 31, 2025, compared to 55.3% in the same period of the prior fiscal year [24]. - Total noninterest expense was $25,270,000 in Q4 2025, slightly higher than $25,051,000 in Q3 2025, indicating controlled expense growth [32]. Tax and Market Performance - The effective tax rate for the quarter was 20.0%, down from 23.7% for the same period in the prior year [25]. - The closing market price of common shares was $59.12, compared to $52.56 in the previous quarter, reflecting a growth of 12.0% [31].

Sales Prices - Coterra Energy Inc. reported an average sales price of $58.16 per barrel for oil, $2.37 per Mcf for natural gas, and $15.63 per barrel for NGL, excluding hedges [5]. - Including hedges, the average sales price for oil was $60.34 per barrel, for natural gas was $2.44 per Mcf, and for NGL remained at $15.63 per barrel [5]. Derivative Instruments - For the fourth quarter of 2025, Coterra anticipates recognizing net cash received on settlements of derivative instruments amounting to $57 million [6]. - The company emphasizes that realized prices and the impact of hedges are subject to completion of financial closing procedures and final adjustments [6]. Risks and Uncertainties - Coterra's forward-looking statements indicate potential risks and uncertainties that could cause actual results to differ materially from expectations [9].

Conference Call - FS KKR Capital Corp. will host a conference call on February 26, 2026, to discuss its fourth quarter and full year 2025 results[4] - The press release announcing the conference call was dated January 21, 2026[4] Stock Information - The company is listed on the New York Stock Exchange under the trading symbol FSK[2]

Financial Performance - Banc of California reported diluted earnings per share of $0.42 for Q4 2025, an 11% increase quarter over quarter, and $1.17 for the full year 2025, a significant growth from $0.52 in 2024[1] - Total revenue for Q4 2025 was $292.9 million, a 2% increase from Q3 2025, with pre-tax pre-provision income rising 10%[2] - Noninterest income increased by $65 million to $142.1 million for the year ended December 31, 2025, compared to $77.1 million for 2024[25] - Net earnings for Q4 2025 were $77,391,000, representing a 11.3% increase from $69,629,000 in Q3 2025[66] - Adjusted net earnings available to common and equivalent stockholders for Q4 2025 were $72,409 thousand, up from $64,884 thousand in Q3 2025, a growth of 2.4%[90] - Total revenues for the three months ended December 31, 2025, were $292,933 thousand, compared to $287,729 thousand in the previous quarter and $264,274 thousand in the same quarter of 2024[96] Loan and Deposit Growth - Total loans and leases reached $25.2 billion, reflecting a 15% annualized growth for the quarter and a 6% increase year over year[2] - Fourth quarter loan production totaled $2.7 billion, with a full year production of $9.6 billion, marking a 31% year-over-year increase[2] - Total loans and leases increased by $1.4 billion year over year, reaching $25.2 billion as of December 31, 2025[30] - Total deposits increased by $658.6 million to $27.8 billion at December 31, 2025, driven by a $439.6 million increase in interest-bearing deposits and a $219.0 million increase in noninterest-bearing deposits[46] - Noninterest-bearing checking deposits totaled $7.8 billion, or 28% of total deposits, at December 31, 2025, unchanged from September 30, 2025[47] Credit Quality and Allowance for Losses - Credit quality metrics showed reductions in nonperforming, criticized, and special mention loans, with year-over-year improvements of 16 basis points, 195 basis points, and 278 basis points, respectively[2] - The provision for credit losses for the year ended December 31, 2025, was $70.6 million, compared to $42.8 million for 2024, reflecting an increase in loan losses and unfunded loan commitments[21] - The allowance for loan and lease losses was $245.6 million at December 31, 2025, representing 154.31% of nonperforming loans[37] - The allowance for credit losses on loans totaled $280.5 million, or 1.12% of total loans and leases, at December 31, 2025, up from $270.7 million at September 30, 2025[42] Capital Ratios and Stockholder Equity - The company maintained strong capital ratios, with an estimated Tier 1 capital ratio of 12.34% and a CET 1 capital ratio of 10.01%[2] - Total stockholders' equity increased by $74.5 million to $3.5 billion at December 31, 2025, primarily due to net earnings of $77.4 million[50] - The total risk-based capital ratio was 16.31% at December 31, 2025, down from 16.69% at September 30, 2025[52] - Total common equity increased to $3,042,761 thousand as of December 31, 2025, up from $2,968,223 thousand in the previous quarter, representing a growth of 2.5%[84] Operational Efficiency - Noninterest expenses decreased by $5.0 million from Q3 2025, contributing to an efficiency ratio improvement to 59.35%[2] - The efficiency ratio improved to 59.35% in Q4 2025, down from 62.05% in Q3 2025[69] - The average yield on interest-earning assets declined by 18 basis points to 5.40%, primarily due to a decline in the average yield on loans and leases[14] Market Position and Future Outlook - Banc of California expects continued growth in 2026, supported by strong market position and operational execution[3] - The company emphasizes the importance of maintaining a strong core deposit base, particularly in a rising interest rate environment[59] - Forward-looking statements indicate expectations regarding business performance, liquidity, and capital ratios, subject to various risks and uncertainties[57] Miscellaneous - Banc of California, Inc. has over $34 billion in assets, making it one of the largest independent banks headquartered in Los Angeles[56] - The bank operates 79 full-service branches across California, Denver, and Durham, providing a broad range of loan and deposit products[56] - The company will host a conference call on January 22, 2026, to discuss its fourth quarter and full year 2025 financial results[55] - Non-GAAP financial measures are included in the press release to provide additional insights into the company's financial performance[60] - Risks include changes in economic conditions, interest rates, credit risks, and potential impacts from regulatory changes[59]

Financial Performance - FS Bancorp, Inc. reported net income of $8.4 million, or $1.10 per diluted share for Q4 2025, an increase from $7.4 million, or $0.92 per diluted share in Q4 2024[1] - Net income for the quarter ended December 31, 2025, was $8,420, down 8% from $9,177 in the same quarter last year[41] - Basic earnings per share for the quarter was $1.12, a decrease of 7% from $1.20 in the prior year[41] - Return on assets for Q4 2025 was 1.04%, up from 0.98% in Q4 2024[44] - Return on equity for Q4 2025 was 10.78, compared to 9.88 in Q4 2024[44] - Basic earnings per share for Q4 2025 was $1.12, an increase from $0.94 in Q4 2024[44] Dividends and Shareholder Returns - The company increased its quarterly dividend by 3.6% to $0.29 per common share, marking the fifty-second consecutive quarterly cash dividend[3] - The company repurchased 46,947 shares at an average price of $40.01 per share, with $4.3 million remaining for future purchases[7] Deposits and Assets - Total deposits reached $2.67 billion at December 31, 2025, a 14.3% increase from $2.34 billion at December 31, 2024[4] - As of December 31, 2025, total deposits amounted to $2,673,642,000, a decrease of $12,850,000 from the previous quarter, but an increase of $334,224,000 year-over-year[17] - Total assets decreased by $11.978 million to $3.196847 billion, a 0.4% decline from the previous quarter, but increased by $167.670 million, or 6%, year-over-year[12] - Total assets as of December 31, 2025, were $3,196,847, a 6% increase from $3,029,177 in the prior year[39] Loans and Credit - Loans receivable increased by $121.2 million, or 4.8%, to $2.62 billion at December 31, 2025, compared to $2.50 billion at December 31, 2024[4] - Total loans receivable, net increased by $23.571 million to $2.623172 billion, reflecting a 1% increase from the previous quarter and a 5% increase year-over-year[13] - Commercial and speculative construction and development loans rose by $27.446 million, contributing significantly to the overall loan growth[13] - Total commercial business loans increased by $3.005 million, maintaining a stable percentage of total loans at 12.4%[13] - The allowance for credit losses on loans increased by $1.881 million, reflecting a proactive approach to managing credit risk[13] - Nonperforming loans totaled $18,745,000, an increase of $370,000 from the previous quarter and an increase of $5,145,000 year-over-year[24] - The allowance for credit losses (ACL) on loans increased to $31,937,000, reflecting a provision of $3,882,000 for the quarter ended December 31, 2025[22] Interest Income and Expenses - Net interest income rose to $33,600,000 for the three months ended December 31, 2025, an increase of $2,500,000 compared to the same period last year[26] - Total interest income increased by $3,800,000 year-over-year, primarily due to a $3,200,000 increase in interest income on loans receivable[26] - Total interest expense for the quarter was $17,160, an increase of 8% compared to $15,860 in the prior year[41] - Interest income from loans receivable, including fees, was $46,876 for the quarter, a 7% increase from $43,654 in the same quarter last year[41] Capital and Ratios - Regulatory capital ratios at the Bank were 14.0% for total risk-based capital and 11.0% for Tier 1 leverage capital at December 31, 2025[7] - The bank's stockholders' equity increased to $307,694,000, up by $7,183,000 from the previous quarter and $11,927,000 year-over-year[19] - The bank's total risk-based capital ratio was 13.96% as of December 31, 2025, exceeding the minimum capital requirements set by the FDIC[20] - The bank's capital ratios indicate it is "well capitalized" under regulatory standards, with a CET 1 capital ratio of 12.73%[20] Noninterest Income and Expenses - Noninterest income for Q4 2025 included an additional $1.0 million related to death benefits from bank-owned life insurance policies[7] - Total noninterest income for the year ended December 31, 2025, increased by $721,000 to $22.3 million, driven by a $2.4 million increase in other noninterest income[32] - Noninterest expense for the year ended December 31, 2025, increased by $4.4 million to $102.0 million, primarily due to increases in salaries and benefits and operations expense[33] Economic Outlook - The company anticipates potential impacts from economic conditions, interest rate changes, and competitive pressures on its future performance[36]

Financial Performance - Banner Corporation reported net income of $51.2 million, or $1.49 per diluted share, for Q4 2025, compared to $53.5 million, or $1.54 per diluted share, in the previous quarter[3]. - Net income for the year ended December 31, 2025, was $195,382,000, up from $168,898,000 in 2024, representing a growth of 16%[29]. - Basic earnings per share for Q4 2025 was $1.50, compared to $1.34 in Q4 2024, marking an increase of 12%[29]. - Diluted earnings per share (GAAP) for 2025 was $5.64, compared to $4.88 in 2024, an increase of 15.61%[42]. Revenue and Income - Total interest income for Q4 2025 was $204,980,000, an increase of 4% from $196,436,000 in Q4 2024[29]. - Net interest income for the quarter ended December 31, 2025, was reported at $155,941 thousand, with a net interest margin of 4.03%[40]. - Total revenue (GAAP) for Q4 2025 was $167,673, a decrease of 1.2% from $170,719 in Q3 2025 but an increase of 4.0% from $160,571 in Q4 2024[43]. - Adjusted revenue for the year ended December 31, 2025, reached $661,458 thousand, up from $614,776 thousand in 2024, marking a growth of 7.57%[42]. Expenses - Total non-interest expense increased to $104.1 million in Q4 2025, compared to $102.0 million in the previous quarter and $99.5 million in Q4 2024[15]. - Total non-interest expense for the year ended December 31, 2025, was $408,774,000, an increase from $391,538,000 in 2024[30]. - Adjusted non-interest expense (non-GAAP) for Q4 2025 was $101,688, up from $98,781 in Q3 2025 and $97,258 in Q4 2024, indicating a year-over-year increase of 4.0%[43]. Assets and Liabilities - Banner's total assets were $16.35 billion at December 31, 2025, down from $16.56 billion at September 30, 2025[17]. - Total liabilities stood at $14,495,990 thousand as of December 31, 2025, compared to $14,429,886 thousand as of September 30, 2025[40]. - Total tangible assets (non-GAAP) were $15,979,876 in Q4 2025, slightly down from $16,188,154 in Q3 2025[44]. Deposits - Total deposits decreased to $13.74 billion at December 31, 2025, from $14.02 billion at September 30, 2025, but increased from $13.51 billion at December 31, 2024[12]. - Core deposits represented 89% of total deposits at year-end 2025, indicating a strong funding base[5]. - Total deposits decreased by 2% to $13,743,146,000 from $13,514,398,000 year-over-year[30]. Loans and Credit Quality - Total loans receivable increased to $11.72 billion at December 31, 2025, up 3% from $11.35 billion a year ago[18]. - Non-performing loans rose to $45.6 million at December 31, 2025, compared to $37.0 million a year ago[24]. - The allowance for credit losses - loans was $160.3 million, or 1.37% of total loans receivable, at December 31, 2025[24]. Capital Ratios - Banner's estimated common equity Tier 1 capital ratio was 12.81% at December 31, 2025[23]. - Total capital to risk-weighted assets ratio for Banner Corporation was 14.69%, exceeding the minimum requirement for "Well Capitalized" status[39]. - Tier 1 capital to risk-weighted assets ratio for Banner Corporation was 13.44%, also above the minimum threshold for "Well Capitalized" classification[39]. Efficiency and Performance Ratios - The efficiency ratio was 62.11% for Q4 2025, compared to 59.76% in the previous quarter, reflecting increased expenses[16]. - Return on average assets improved to 1.21% in 2025 from 1.07% in 2024, indicating enhanced asset efficiency[41]. - The adjusted return on average equity was 10.97% for the quarter ended December 31, 2025, compared to 11.18% for the previous quarter[40].