Texas Capital Bancshares, Inc. (TCBI) SEC Filings & Earnings Calls

Criticized loan growth

“Criticized loans totaled $782.4 million at September 30, 2026, compared to $634.9 million at December 31, 2025.” · word for word

Texas geographic concentration

“As of September 30, 2026, a majority of the loans held for investment, excluding mortgage finance and other national lines of business, were to businesses with headquarters or operations in Texas.” · word for word

Non-interest bearing deposit outflow

“Average non-interest bearing deposits for the three months ended September 30, 2026 decreased to $7.9 billion from $8.4 billion for the same period in 2025.” · word for word

Credit quality remains stable with low charge-offs and NPAs.

“Quarterly net charge-offs totaled $14.5mm, or 24bps, of average LHI; Total non-performing assets remain stable at 0.38% of total assets” · word for word

Potential reduced liquidity or index inclusion changes due to exchange transfer.

“Transfer from Nasdaq to a newer exchange may affect index membership and liquidity.”

Credit quality deterioration

“Criticized loans totaled $696.3 million at June 30, 2026, compared to $634.9 million at December 31, 2025.” · word for word

Net interest margin compression

“Net interest margin for the three months ended June 30, 2026 was 3.28%, compared to 3.35% for the same period in 2025.” · word for word

Net charge-offs of $16.1mm or 26bps of average LHI, indicating credit normalization.

“Quarterly net charge-offs totaled $16.1mm or 26bps of average LHI” · word for word

Net interest margin declined 7bps to 3.28%, reflecting rate environment pressure.

“Net Interest Margin 3.28% -7bps”

Credit quality deterioration

“Non-accrual loans held for investment increased to $144.9 million from $116.9 million, and criticized loans increased to $650.6 million from $634.9 million.”

Net charge-offs increase

“Net charge-offs increased to $17.4 million from $9.8 million YoY, with commercial net charge-offs rising to 0.57% from 0.35%.”

Litigation Risk from Redomestication

“It is possible that certain stockholders may file litigation against the Company in connection with the Texas Redomestication.” · word for word

Loss of Delaware Case Law Certainty

“The newly created Texas Business Court is already hearing cases but will need time to develop reputationally and build a body of case law that provides comparable levels of guidance to directors and officers.” · word for word

Shareholder Rights Dilution

“The proposed Texas Certificate of Formation includes a 1% threshold for individual shareholders or groups of shareholders to institute or maintain a derivative proceeding.” · word for word

Debt redemption reduces interest expense but may impact liquidity.

“Redemption of $375M subordinated notes.”

Credit quality improvement with criticized loans down 11% YoY, but net charge-offs of $47.2M (20bps) indicate ongoing credit costs.

“Criticized LHI declined $79mm or 11% YoY, with the percentage of total LHI declining 54bps to 2.64%” · word for word

Interest rate sensitivity remains a risk; changes in rates could impact securities portfolio and funding costs.

“changes in interest rates, including the impact of interest rates on TCBI’s securities portfolio and funding costs” · word for word

Share repurchase program may reduce capital buffer; however, the company maintains strong capital ratios.

“the extent to which the Company repurchases shares... will depend upon a variety of factors, including... alternative investment opportunities and the Company’s performance, liquidity and capital levels” · word for word

Standard forward-looking statement risks; no material new risks identified.

“Standard risk factor language”