PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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