Inferra AI / Company / TCBI
Texas Capital Bancshares Inc./Tx
TCBI · Financials
Last earnings Oct 21, 2026
Key results
Record-level net incomequarter
$105.2 million
Record-level net income of $105.2 million, record-level net income available to common stockholders of $100.9 million and record-level diluted
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Net incomequarter
$100.9 million
Record-level net income of $105.2 million, record-level net income available to common stockholders of $100.9 million and record-level diluted
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
THIRD QUARTER 2025 COMPARED TO SECOND QUARTER 2025 For the third quarter of 2025, net income available to common stockholders was $100.9 million, or $2.18 per diluted share, compared to $73.0 million, or $1.58 per diluted share, for the second quarter of 2025.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
THIRD QUARTER 2025 COMPARED TO THIRD QUARTER 2024 Net income available to common stockholders was $100.9 million, or $2.18 net income per diluted share, for the third quarter of 2025, compared to net loss available to common stockholders of $65.6 million, or $1.41 net loss per diluted share, for the third quarter of 2024.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Total revenuequarter
12.5%
in 21 Where We Started Q3 2025 Q2 2025 Q1 2025 YTD 2025 FY 2024 FY 2020Performance Metrics YTD 2025 FY 2024 FY 2023 FY 2022 FY 2021 FY 2020Income Statement >1.10%1.30%0.99%0.61%0.97%0.25%0.18%Return on Average Assets~10%10.3%13.6%8.0%2.9%2.7%2.2% Investment Banking and Trading Income (% of Total Revenue) >12.5%12.0%9.2%5.6% 9.0% 2.0% 2.1%Return on Average Tangible Common Equity3~5%3.6%3.8%2.8%2.4%2.5%1.4%Treasury Product Fees1 (% of Total Revenue) >1.10%1.30%1.02%0.61%0.98%0.74%0.33%Adj.
SEC original ↗Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025
Return on Average Assets415% 20% 18.0%3.3%15.0%28.5%15.2%19.3%Non-Interest Income (% of Total Revenue) >12.5%12.0%9.5%5.6%9.1%7.1%4.2%Adj.
SEC original ↗Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025
Total revenueytd
13%
MF9 yields Net interest margin expanded by 12bps QoQ, and 54bps year to date Quarterly adjusted non-interest expense4 increased $0.5mm YoY to $190.6mm, reflecting maturation of the platform with expense aligned with growth objectives YTD net interest income increased 13% despite a 125bps reduction in short-term rates this easing cycle to date 9 9 9 9 37% % of Total Revenue, Adj.
SEC original ↗Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025
Total revenueQ3 2025
37%
MF9 yields Net interest margin expanded by 12bps QoQ, and 54bps year to date Quarterly adjusted non-interest expense4 increased $0.5mm YoY to $190.6mm, reflecting maturation of the platform with expense aligned with growth objectives YTD net interest income increased 13% despite a 125bps reduction in short-term rates this easing cycle to date 9 9 9 9 37% % of Total Revenue, Adj.
SEC original ↗Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025
AI analysis
Q3 2025 · reported Oct 22, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Record-level net income | $105.2 million | — | — |
| Net income | $100.9 million | — | — |
| Total revenue | 12.5% | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
Net interest income was $271.8 million for the third quarter of 2025, compared to $253.4 million for the second quarter of 2025, primarily due to increases in average earning assets and earning asset yields and a decrease in average short-term borrowings partially offset by an increase in average interest bearing deposits.
Non-interest income for the third quarter of 2025 increased $14.5 million compared to the second quarter of 2025 primarily due to the inclusion of a $1.9 million loss on sale of available-for-sale debt securities recognized during the second quarter of 2025 and increases in investment banking and advisory fees and other non-interest income.
Event summary
ANNOUNCES THIRD QUARTER 2025 RESULTS
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Net interest income was $271.8 million for the third quarter of 2025, compared to $253.4 million for the second quarter of 2025, primarily due to increases in average earning assets and earning asset yields and a decrease in average short-term borrowings partially offset by an increase in average interest bearing deposits.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Non-interest income for the third quarter of 2025 increased $14.5 million compared to the second quarter of 2025 primarily due to the inclusion of a $1.9 million loss on sale of available-for-sale debt securities recognized during the second quarter of 2025 and increases in investment banking and advisory fees and other non-interest income.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Non-interest income for the third quarter of 2025 increased $183.4 million compared to the third quarter of 2024 primarily due to the inclusion of a $179.6 million loss on sale of available-for-sale debt securities recognized during the third quarter of 2024, as well as increases in service charges on deposit accounts, trading income and other non-interest income.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
During the third quarter of 2025, the Company repurchased 87,087 shares of its common stock for an aggregate purchase price, including excise tax expense, of $7.1 million, at a weighted average price of $80.49 per share.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
(2) Net income (loss), less preferred stock dividends.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
On an adjusted basis, net income (loss), adjusted, less preferred stock dividends.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Strategy & priorities
Texas Capital delivered both the strategic and financial outcomes we set in our Strategic Update on September 1, 2021, resulting in the most successful bank transformation in the last 20 years, structurally elevating our earnings power and achieving industry-leading growth in fee income, return on assets and balance sheet resilience, said Rob C.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
These statements are not historical in nature and may often be identified by the use of words such as believes, projects, expects, may, estimates, should, plans, targets, intends could, would, anticipates, potential, confident, optimistic or the negative thereof, or other variations thereon, or comparable terminology, or by discussions of strategy, objectives, estimates, trends, guidance, expectations and future plans.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Risks & headwinds
Because forward-looking statements relate to future results and occurrences, they are subject to inherent and various uncertainties, risks, and changes in circumstances that are difficult to predict, may change over time, are based on management s expectations and assumptions at the time the statements are made and are not guarantees of future results.
SEC original ↗Texas Capital Bancshares Inc./Tx — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Earnings deck slides
0 decks with slide viewTexas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Texas Capital Bancshares Inc./Tx — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
30 documentsEarnings releases
11 documentsPresentations
12 documents
Transcripts
0 documentsNo transcripts for Texas Capital Bancshares Inc./Tx are held in this edition of the library.
See also the earnings calendar for every tracked company’s next earnings date.