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Texas Capital Bank

Dallas, TX · Cert 34383 · Texas Capital Bancshares Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

36

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Texas Capital Bank

Dallas, TX · Cert 34383 · Texas Capital Bancshares Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

$33.6BAssets
$24.9BLoans
$29.4BDeposits
$3.4BEquity
Loan mix
39%RE $5.6B61%C&I $8.8B1%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $21.3B27%Noninterest $8.0BQ2 2025Q2 2026

NIM

5.61%Q2 ’245.53%Q2 ’255.22%Q2 ’26+7%+1%

Non-interest income vs. expense

2.59%Q2 ’242.27%Q2 ’252.23%Q2 ’26-7%-9%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 2.1% share · #6 of 166 inst. · $15.6B of $732.8B

4.2% Dallas
19.0% Travis
1.1% Harris
2.5% Collin

Executive Summary

  • Earnings: ROA of 1.03%, up 17 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.50% of loans (+2 bps YoY), with net charge-offs at 0.27%.
  • Capital: tier 1 leverage ratio of 10.67%, down 20 bps from a year ago.
  • Funding: loans stand at 84.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+4 bps YoY

Efficiency Ratio (YTD, annualized)

59.29%-372 bps YoY

Tier 1 Leverage Ratio

10.67%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%1.02%1.10%0.96%1.03%+17 bps
Return on Equity7.97%9.49%10.10%8.63%9.55%+157 bps
Net Interest Margin3.19%3.23%3.23%3.36%3.23%+4 bps
Efficiency Ratio63.00%59.15%57.52%61.87%59.29%-372 bps
Non-Interest Burden1.86%1.73%1.67%1.87%1.70%-16 bps
Growth
Asset Growth (YoY)6.38%2.41%2.10%6.76%6.30%-9 bps
Loan Growth (YoY)9.67%8.47%7.10%12.61%4.27%-540 bps
Deposit Growth (YoY)10.67%7.43%5.18%9.63%10.73%+7 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.40%0.58%0.73%0.50%+2 bps
Net Charge-Offs / Loans0.19%0.20%0.20%0.28%0.27%+8 bps
Allowance / Loans1.16%1.13%1.13%1.07%1.08%-9 bps
Allowance Coverage of NPLs2.4x2.8x1.9x1.5x2.2x-0.2x
Capital
Tier 1 Leverage Ratio10.87%10.99%11.18%11.91%10.67%-20 bps
Total Risk-Based Capital12.97%13.72%14.20%14.35%13.53%+56 bps
Equity / Assets10.39%10.63%11.37%10.91%10.13%-26 bps
Liquidity & Funding
Loans / Deposits90.19%86.58%89.92%86.55%84.92%-526 bps
Liquid Assets / Assets9.82%10.72%7.88%9.87%11.92%+210 bps
CRE / Total Capitaln/a158.97%145.01%140.30%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Texas Capital Bank

Dallas, TX · Cert 34383 · Peer group: banks over $10B in assets (n=142-144) · Texas Capital Bancshares Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

$33.6BAssets
$24.9BLoans
$29.4BDeposits
$3.4BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 73% of banks over $10B in assets (rank 40 of 142).
  • Widest gap: return on assets trails 75% of banks over $10B in assets (rank 108 of 144).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.00%

Rank 108 of 144

Net Interest Margin

3.23%

Rank 81 of 144

Efficiency Ratio

59.29%

Rank 93 of 144

Equity / Assets

10.13%

Rank 96 of 144

Non-interest income vs. expense

$175.9M$732.6MINCOMEEXPENSE
Unfavorable gap of $556.7M · efficiency ratio beats 36% of banks over $10B in assets
Bank 59.29%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.00%1.00%1.26%1.54%Beats 25%108 / 144
Return on Equity9.89%8.98%11.34%14.40%Beats 35%93 / 144
Net Interest Margin3.23%2.82%3.31%3.68%Beats 44%81 / 144
Efficiency Ratio59.29%49.42%56.02%62.41%Beats 36%93 / 144
Asset Quality
Nonperforming Loans / Loans0.50%0.48%0.73%1.07%Beats 73%40 / 142
Net Charge-Offs / Loans0.14%0.05%0.11%0.22%Beats 42%83 / 142
Capital
Tier 1 Capital Ratio12.35%12.07%12.98%14.92%Beats 36%92 / 144
Total Risk-Based Capital Ratio13.53%13.39%14.14%16.25%Beats 29%102 / 144
Equity / Assets10.13%9.69%11.39%12.96%Beats 33%96 / 144
Liquidity & Funding
Loans / Deposits84.92%75.72%84.92%91.56%50th pctl72 / 143
Loans / Assets74.20%59.83%69.07%74.80%72nd pctl40 / 144
Brokered Deposits / Depositsn/aNot reported for this institution