Texas Capital Bancshares(US:TCBI)2026-01-22 14:00Financial Highlights - Full Year 2025 Net Income to common reached a record high for the firm[4], with adjusted Net Income to common at $3138 million[5, 73] - Full Year 2025 revenue was $12577 million, a record high for the firm[5, 67] - Full Year 2025 Tangible Book Value per Share was $7525, an increase of $893 or 13%[5] - Full Year 2025 Return on average assets was 104%[5] - Q4 2025 adjusted earnings per share grew 45% year-over-year[7] - Q4 2025 adjusted return on average assets was 120%[7] Loan Portfolio - Total LHI increased by $16 billion, or 7% year-over-year[18] - Ending period commercial loans increased by $11 billion, or 10% year-over-year[19] - Multifamily comprises $22 billion, or 40% of CRE loans[19] - Full year average mortgage finance loan balances increased 12% to $52 billion[19] Deposits and Funding - Total deposit balances increased $12 billion, or 5% year-over-year[24] - Non-interest bearing, excl MF10 deposits increased $233 million, or 8% quarter-over-quarter to $33 billion[25] - Average cost of interest bearing deposits declined 29bps to 347%[25] - Average MF10 non-interest bearing deposits increased $78 million linked quarter to $50 billion, representing 85% of average mortgage finance loans in Q4 2025 compared to 107% in Q4 of last year[25] Asset Quality - Criticized LHI declined $79 million, or 11% year-over-year, with the percentage of total LHI declining 54bps to 264%[56] - Special mention LHI declined $89 million, or 20% year-over-year[56] - Quarterly net charge-offs were $107 million, or 018% of average LHI[53, 56] Capital Position - Tangible common equity to tangible assets ended the quarter at 1056%, an improvement of 58bps year-over-year[5, 66] - Tangible book value per share expanded $223, or 3% quarter-over-quarter[66] - Repurchased 14 million shares in Q4 for a total of $125 million[66]