Dallas, TX · Cert 34383 · Texas Capital Bancshares Inc.
State charter, Fed member · FED · 9 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 2.1% share · #6 of 166 inst. · $15.6B of $732.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | 0.98% | 0.69% | 1.03% | 1.33% | 1.31% | 0.96% | 1.09% | +6 bps | |
| Return on Equity | -6.47% | 8.46% | 6.29% | 9.95% | 12.67% | 11.94% | 8.63% | 10.35% | +40 bps | |
| Net Interest Margin | 3.16% | 2.95% | 3.11% | 3.29% | 3.46% | 3.36% | 3.36% | 3.27% | -2 bps | |
| Efficiency Ratio | 62.93% | 58.86% | 68.21% | 58.15% | 52.27% | 53.00% | 61.87% | 56.78% | -138 bps | |
| Non-Interest Burden | 1.69% | 1.45% | 2.00% | 1.74% | 1.57% | 1.53% | 1.87% | 1.62% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.44% | 8.17% | 6.91% | 6.38% | 2.41% | 2.10% | 6.76% | 6.30% | -9 bps | |
| Loan Growth (YoY) | 7.39% | 10.13% | 7.24% | 9.67% | 8.47% | 7.10% | 12.61% | 4.27% | -540 bps | |
| Deposit Growth (YoY) | 7.33% | 12.16% | 9.88% | 10.67% | 7.43% | 5.18% | 9.63% | 10.73% | +7 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.51% | 0.42% | 0.48% | 0.40% | 0.58% | 0.73% | 0.50% | +2 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.22% | 0.18% | 0.22% | 0.23% | 0.18% | 0.28% | 0.26% | +4 bps | |
| Allowance / Loans | 1.22% | 1.21% | 1.24% | 1.16% | 1.13% | 1.13% | 1.07% | 1.08% | -9 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.4x | 3.0x | 2.4x | 2.8x | 1.9x | 1.5x | 2.2x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.44% | 11.27% | 10.70% | 10.87% | 10.99% | 11.18% | 11.91% | 10.67% | -20 bps | |
| Total Risk-Based Capital | 13.89% | 14.00% | 13.09% | 12.97% | 13.72% | 14.20% | 14.35% | 13.53% | +56 bps | |
| Equity / Assets | 11.36% | 11.75% | 10.22% | 10.39% | 10.63% | 11.37% | 10.91% | 10.13% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.74% | 88.30% | 84.26% | 90.19% | 86.58% | 89.92% | 86.55% | 84.92% | -526 bps | |
| Liquid Assets / Assets | 14.88% | 12.34% | 13.57% | 9.82% | 10.72% | 7.88% | 9.87% | 11.92% | +210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 158.97% | 145.01% | 140.30% | n/a | n/a | |