TEXAS CAPITAL BANCSHARES INC/TX's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), TEXAS CAPITAL BANCSHARES INC/TX reported net income of $330.2M (+326.1% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and fees on loans | $1.4B | $1.4B | $1.3B | $983.8M |
| Investment securities | $189.0M | $148.2M | $108.3M | $63.2M |
| Interest bearing cash and cash equivalents | $137.8M | $203.4M | $221.0M | $97.3M |
| Total interest income | $1.8B | $1.7B | $1.6B | $1.1B |
| Deposits | $697.8M | $736.2M | $587.8M | $190.7M |
| Short-term borrowings | $14.4M | $50.0M | $70.6M | $29.1M |
| Long-term debt | $31.0M | $42.1M | $57.4M | $48.7M |
| Total interest expense | $743.1M | $828.3M | $715.8M | $268.5M |
| Net interest income | $1.0B | $901.3M | $914.1M | $875.8M |
| Provision for credit losses | $55.0M | $67.0M | $72.0M | $66.0M |
| Net interest income after provision for credit losses | $973.6M | $834.3M | $842.1M | $809.8M |
| Service charges on deposit accounts | $32.5M | $25.5M | $20.9M | $22.9M |
| Wealth management and trust fee income | $15.9M | $15.3M | $14.0M | $15.0M |
| Brokered loan fees | $9.2M | $9.0M | $8.9M | $14.2M |
| Investment banking and advisory fees | $104.6M | $105.0M | — | — |
| Trading income | $27.1M | $21.6M | — | — |
| Available-for-sale debt securities gains/(losses) | ($1.9M) | ($179.6M) | — | — |
| Other | $39.7M | $34.2M | $31.5M | $14.0M |
| Total non-interest income | $227.1M | $31.0M | $161.4M | $349.5M |
| Salaries and benefits | $480.5M | $466.6M | $459.7M | $436.8M |
| Occupancy expense | $47.6M | $45.3M | $38.5M | $44.2M |
| Marketing | $17.4M | $22.3M | $25.9M | $32.4M |
| Legal and professional | $50.1M | $53.8M | $64.9M | $75.9M |
| Communications and technology | $98.9M | $93.1M | $81.3M | $69.3M |
| Federal Deposit Insurance Corporation insurance assessment | $17.9M | $23.4M | $36.8M | $14.3M |
| Other | $55.6M | $53.9M | $49.9M | $54.7M |
| Total non-interest expense | $768.1M | $758.3M | $756.9M | $727.5M |
| Income before income taxes | $432.7M | $107.1M | $246.6M | $431.8M |
| Income tax expense | $102.5M | $29.6M | $57.5M | $99.3M |
| Net income | $330.2M | $77.5M | $189.1M | $332.5M |
| Preferred stock dividends | ($17.3M) | ($17.3M) | ($17.3M) | ($17.3M) |
| Net income available to common stockholders | $313.0M | $60.3M | $171.9M | $315.2M |
| Change in unrealized gain/(loss) | $123.0M | ($31.6M) | $3.8M | ($479.8M) |
| Amounts reclassified into net income | $29.6M | $253.3M | $68.2M | $9.9M |
| Other comprehensive income | $152.6M | $221.7M | $72.1M | ($469.9M) |
| Income tax expense | $34.1M | $42.8M | $15.1M | ($98.7M) |
| Other comprehensive income, net of tax | $118.5M | $178.9M | $56.9M | ($371.2M) |
| Comprehensive income | $448.8M | $256.4M | $246.1M | ($38.8M) |
| Basic earnings/(loss) per common share (in usd per share) | $6.86 | $1.29 | $3.58 | $6.25 |
| Diluted earnings/(loss) per common share (in usd per share) | $6.79 | $1.28 | $3.54 | $6.18 |
| Line item | Sep 30, 2026 · Q3 | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 |
|---|---|---|---|---|
| Interest and fees on loans | $379.3M | $368.4M | $348.0M | $379.0M |
| Debt and equity securities | $50.9M | $46.3M | $49.6M | $49.4M |
| Interest bearing cash and cash equivalents | $26.9M | $25.2M | $21.5M | $32.2M |
| Total interest income | $457.2M | $439.9M | $419.1M | $460.6M |
| Deposits | $174.5M | $167.0M | $153.9M | $180.8M |
| Short-term borrowings | $84.0K | $3.6M | $2.4M | $534.0K |
| Long-term debt | $7.6M | $9.0M | $8.1M | $7.5M |
| Total interest expense | $182.2M | $179.6M | $164.4M | $188.8M |
| Net interest income | $275.0M | $260.4M | $254.7M | $271.8M |
| Provision for credit losses | $17.0M | $18.0M | $16.0M | $12.0M |
| Net interest income after provision for credit losses | $258.0M | $242.4M | $238.7M | $259.8M |
| Service charges on deposit accounts | $9.4M | $8.9M | $9.2M | $8.1M |
| Wealth management and trust fee income | $4.6M | $5.1M | $4.4M | $4.0M |
| Brokered loan fees | $2.1M | $2.1M | $2.0M | $2.4M |
| Investment banking and advisory fees | $35.3M | $31.5M | $32.0M | $34.0M |
| Trading income | $11.4M | $11.3M | $10.3M | $7.2M |
| Other | $18.9M | $16.2M | $11.4M | $12.8M |
| Total non-interest income | $81.6M | $75.1M | $69.3M | $68.6M |
| Salaries and benefits | $121.6M | $123.3M | $139.3M | $119.9M |
| Occupancy expense | $13.2M | $12.4M | $12.4M | $11.8M |
| Marketing | $4.3M | $4.8M | $5.0M | $3.4M |
| Legal and professional | $12.0M | $14.7M | $12.0M | $12.5M |
| Communications and technology | $32.0M | $28.5M | $27.2M | $24.6M |
| Federal Deposit Insurance Corporation insurance assessment | $5.2M | $4.6M | $4.9M | $5.2M |
| Available-for-sale debt securities gains/(losses) | $0 | $0 | — | $0 |
| Other | $15.5M | $17.2M | $12.8M | $13.2M |
| Total non-interest expense | $203.9M | $205.5M | $213.6M | $190.6M |
| Income before income taxes | $135.7M | $112.0M | $94.4M | $137.8M |
| Income tax expense | $32.0M | $27.1M | $20.6M | $32.6M |
| Net income | $103.7M | $84.9M | $73.8M | $105.2M |
| Preferred stock dividends | ($4.3M) | ($4.3M) | ($4.3M) | ($4.3M) |
| Net income available to common stockholders | $99.4M | $80.6M | $69.5M | $100.9M |
| Change in unrealized gain/(loss) | ($199.8M) | ($18.4M) | ($31.3M) | $30.9M |
| Amounts reclassified into net income | $2.8M | $2.6M | $2.6M | $6.2M |
| Other comprehensive income/(loss) | ($197.1M) | ($15.8M) | ($28.8M) | $37.1M |
| Income tax expense/(benefit) | ($45.3M) | ($3.6M) | ($6.6M) | $8.4M |
| Other comprehensive income/(loss), net of tax | ($151.7M) | ($12.1M) | ($22.2M) | $28.7M |
| Comprehensive income/(loss) | ($48.0M) | $72.8M | $51.6M | $133.9M |
| Basic earnings/(loss) per common share (in usd per share) | $2.30 | $1.85 | $1.58 | $2.21 |
| Diluted earnings/(loss) per common share (in usd per share) | $2.28 | $1.83 | $1.56 | $2.18 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and due from banks | $201.3M | $176.5M | $200.5M | $233.6M |
| Interest bearing cash and cash equivalents | $1.9B | $3.0B | $3.0B | $4.8B |
| Available-for-sale debt securities | $4.0B | $3.5B | $3.2B | $2.6B |
| Held-to-maturity debt securities | $725.7M | $796.2M | $865.5M | $935.5M |
| Equity securities | $42.0M | $75.3M | $51.8M | $34.0M |
| Trading securities | $3.9M | — | — | — |
| Investment securities | $4.7B | $4.4B | $4.1B | $3.6B |
| Loans held for investment, mortgage finance | $6.1B | $5.2B | $4.0B | $4.1B |
| Loans held for investment | $18.0B | $17.2B | $16.4B | $15.2B |
| Less: Allowance for credit losses on loans | $270.6M | $271.7M | ($250.0M) | ($253.5M) |
| Loans held for investment, net | $23.8B | $22.2B | $20.1B | $19.0B |
| Premises and equipment, net | $88.0M | $85.4M | $32.4M | $26.4M |
| Accrued interest receivable and other assets | $854.6M | $881.7M | $801.7M | $719.2M |
| Goodwill and intangibles, net | $1.5M | $1.5M | $1.5M | $1.5M |
| Total assets | $31.5B | $30.7B | $28.4B | $28.4B |
| Non-interest bearing deposits | $7.0B | $7.5B | $7.3B | $9.6B |
| Interest bearing deposits | $19.5B | $17.8B | $15.0B | $13.2B |
| Total deposits | $26.4B | $25.2B | $22.4B | $22.9B |
| Accrued interest payable | $6.7M | $23.7M | $33.2M | $24.0M |
| Other liabilities | $502.8M | $556.3M | $392.9M | $345.8M |
| Short-term borrowings | $330.0M | $885.0M | $1.5B | $1.2B |
| Long-term debt | $620.6M | $660.3M | $859.1M | $931.4M |
| Total liabilities | $27.9B | $27.4B | $25.2B | $25.4B |
| Preferred stock | $300.0M | $300.0M | $300.0M | $300.0M |
| Common stock | $518.0K | $515.0K | $511.0K | $509.0K |
| Additional paid-in capital | $1.1B | $1.1B | $1.0B | $1.0B |
| Retained earnings | $2.8B | $2.5B | $2.4B | $2.3B |
| Treasury stock - 7,532,768 and 5,286,503 shares at cost at December 31, 2025 and December 31, 2024, respectively | -487.7M | -301.8M | -220.3M | -115.3M |
| Accumulated other comprehensive loss, net of taxes | ($64.6M) | ($183.1M) | ($362.0M) | ($418.9M) |
| Total stockholders’ equity | $3.6B | $3.4B | $3.2B | $3.1B |
| Total liabilities and stockholders’ equity | $31.5B | $30.7B | $28.4B | $28.4B |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 |
|---|---|---|---|---|
| Cash and due from banks | $195.1M | $209.5M | $254.4M | $212.4M |
| Interest bearing cash and cash equivalents | $2.5B | $3.5B | $2.7B | $2.9B |
| Available-for-sale debt securities | $4.1B | $3.8B | $3.9B | $3.8B |
| Held-to-maturity debt securities | $672.9M | $692.3M | $709.6M | $743.1M |
| Equity securities | $42.0M | $43.4M | $42.0M | $55.1M |
| Trading debt securities | $0 | $2.5M | $7.9M | $2.2M |
| Debt and equity securities | $4.8B | $4.6B | $4.7B | $4.6B |
| Loans held for sale | $28.7M | $0 | $21.3M | — |
| Loans held for investment, mortgage finance | $5.4B | $6.4B | $7.0B | $6.1B |
| Loans held for investment | $18.6B | $18.6B | $18.2B | $18.1B |
| Allowance for credit losses on loans | $270.3M | $268.3M | $270.4M | $274.0M |
| Loans held for investment, net | $23.8B | $24.7B | $24.9B | $23.9B |
| Premises and equipment, net | $89.0M | $91.9M | $85.7M | $88.3M |
| Accrued interest receivable and other assets | $928.4M | $878.2M | $838.8M | $862.8M |
| Goodwill and intangibles, net | $1.5M | $1.5M | $1.5M | $1.5M |
| Total assets | $32.3B | $33.9B | $33.5B | $32.5B |
| Non-interest bearing deposits | $7.0B | $7.6B | $7.6B | $7.7B |
| Interest bearing deposits | $20.7B | $21.3B | $20.9B | $19.8B |
| Total deposits | $27.7B | $28.9B | $28.5B | $27.5B |
| Accrued interest payable | $8.6M | $19.3M | $9.4M | $9.4M |
| Other liabilities | $646.0M | $484.1M | $475.9M | $489.7M |
| Short-term borrowings | $0 | $350.0M | $0 | $275.0M |
| Long-term debt | $487.3M | $500.9M | $878.3M | $620.4M |
| Total liabilities | $28.9B | $30.3B | $29.9B | $28.9B |
| Preferred stock | $300.0M | $300.0M | $300.0M | $300.0M |
| Common stock | $520.0K | $520.0K | $520.0K | $518.0K |
| Additional paid-in capital | $1.1B | $1.1B | $1.1B | $1.1B |
| Retained earnings | $3.0B | $3.0B | $2.9B | $2.7B |
| Treasury stock - 9,594,199 and 7,532,768 shares at cost at September 30, 2026 and December 31, 2025, respectively | -689.4M | -586.4M | -562.8M | -361.1M |
| Accumulated other comprehensive loss, net of taxes | ($250.6M) | ($98.9M) | ($86.7M) | ($84.2M) |
| Total stockholders’ equity | $3.5B | $3.6B | $3.6B | $3.6B |
| Total liabilities and stockholders’ equity | $32.3B | $33.9B | $33.5B | $32.5B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income | $330.2M | $77.5M | $189.1M | $332.5M |
| Provision for credit losses | $55.0M | $67.0M | $72.0M | $66.0M |
| Deferred tax expense/(benefit) | $15.9M | ($16.1M) | ($17.8M) | ($17.4M) |
| Depreciation and amortization | $52.2M | $54.2M | $40.5M | $45.3M |
| Net loss on available-for-sale debt securities | $1.9M | $174.0M | ($4.1M) | — |
| Debt and Equity Securities, Unrealized Gain (Loss) | $1.2M | — | — | — |
| Sales/(purchases) of trading securities, net | ($3.9M) | — | — | — |
| Stock-based compensation expense | $36.8M | $24.7M | $24.2M | $21.4M |
| Purchases and originations of loans held for sale | $0 | $0 | ($15.7M) | ($37.5M) |
| Proceeds from sales and repayments of loans held for sale | $0 | $62.5M | $134.9M | $8.1M |
| Accrued interest receivable and other assets | ($57.8M) | ($1.6M) | ($78.6M) | ($25.5M) |
| Accrued interest payable and other liabilities | ($68.9M) | $38.9M | $29.1M | $2.5M |
| Net cash provided by operating activities | $360.2M | $481.1M | $373.7M | $148.0M |
| Purchases of available-for-sale debt securities | ($1.1B) | ($2.0B) | ($849.4M) | ($920.2M) |
| Proceeds from sales of available-for-sale debt securities | $280.4M | $1.1B | $56.9M | — |
| Proceeds from maturities, redemptions and pay-downs of available-for-sale debt securities | $548.2M | $638.9M | $225.0M | $432.2M |
| Proceeds from maturities, redemptions and pay-downs of held-to-maturity debt securities | $73.8M | $72.8M | $73.8M | $87.9M |
| Sales/(purchases) of equity securities, net | $34.4M | ($17.9M) | ($14.3M) | — |
| Originations of loans held for investment, mortgage finance | ($98.7B) | ($83.7B) | ($75.7B) | ($102.4B) |
| Proceeds from pay-offs of loans held for investment, mortgage finance | $97.8B | $82.4B | $75.8B | $105.8B |
| Net increase in loans held for investment, excluding mortgage finance loans | ($793.3M) | ($929.0M) | ($1.3B) | ($3.0B) |
| Purchase of premises and equipment, net | ($12.6M) | ($64.8M) | ($16.4M) | ($11.3M) |
| Net cash used in investing activities | ($1.9B) | ($2.5B) | ($1.8B) | $3.3B |
| Net increase/(decrease) in deposits | $1.2B | $2.9B | ($485.0M) | ($5.3B) |
| Issuance of stock related to stock-based awards | ($7.4M) | ($9.1M) | ($4.2M) | ($4.2M) |
| Preferred stock dividends paid | ($17.3M) | ($17.3M) | ($17.3M) | ($17.3M) |
| Repurchase of common stock | ($185.8M) | ($81.5M) | ($105.0M) | ($115.3M) |
| Net increase/(decrease) in short-term borrowings | ($555.0M) | ($615.0M) | $298.9M | ($1.0B) |
| Redemption of long-term debt | ($40.4M) | ($200.0M) | ($75.0M) | $0 |
| Net cash provided by/(used in) financing activities | $404.3M | $1.9B | ($387.7M) | ($6.4B) |
| Net decrease in cash and cash equivalents | ($1.1B) | ($54.0M) | ($1.8B) | ($2.9B) |
| Cash and cash equivalents at beginning of period | $3.2B | $3.2B | $5.0B | $7.9B |
| Cash and cash equivalents at end of period | $2.1B | $3.2B | $3.2B | $5.0B |
| Cash paid during the period for interest | $760.1M | $837.8M | $773.0M | $252.2M |
| Cash paid during the period for income taxes: | $70.2M | $52.8M | $71.9M | $128.4M |
| Transfers of loans from held for investment to held for sale | $4.4M | $18.4M | $127.0M | — |
| Line item | Sep 30, 2026 · YTD | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | $262.4M | $158.7M | $73.8M | $229.6M |
| Provision for credit losses | $51.0M | $34.0M | $16.0M | $44.0M |
| Depreciation and amortization | $40.1M | $28.4M | $12.8M | $36.3M |
| Net loss on available-for-sale debt securities | $0 | $0 | — | $1.9M |
| Debt and Equity Securities, Unrealized Gain (Loss) | $4.8M | $3.5M | $1.6M | $2.3M |
| Sales/(purchases) of trading debt securities, net | ($3.9M) | ($1.4M) | ($4.0M) | ($2.2M) |
| Loss on redemption of long-term debt | $2.2M | $2.2M | — | — |
| Stock-based compensation expense | $35.1M | $27.3M | $17.5M | $28.6M |
| Sales/(purchases) of loans held for sale, net | ($3.0M) | $21.3M | — | — |
| Accrued interest receivable and other assets | ($32.3M) | ($29.3M) | $16.1M | ($39.9M) |
| Accrued interest payable and other liabilities | $43.6M | ($49.4M) | ($43.1M) | ($66.3M) |
| Net cash provided by operating activities | $398.3M | $191.0M | $87.5M | $229.7M |
| Purchases of available-for-sale debt securities | ($877.8M) | ($249.5M) | ($134.5M) | ($843.2M) |
| Proceeds from sales of available-for-sale debt securities | $0 | $0 | — | $280.4M |
| Proceeds from maturities, redemptions and pay-downs of available-for-sale debt securities | $534.0M | $348.4M | $153.5M | $385.7M |
| Proceeds from maturities, redemptions and pay-downs of held-to-maturity debt securities | $55.2M | $34.9M | $16.9M | $55.6M |
| Sales/(purchases) of equity securities, net | $4.8M | $2.1M | $1.6M | $22.5M |
| Originations of loans held for investment, mortgage finance | ($74.4B) | ($51.4B) | ($23.6B) | ($71.1B) |
| Proceeds from pay-offs of loans held for investment, mortgage finance | $75.0B | $51.1B | $22.7B | $70.3B |
| Decrease/(increase) in loans held for investment, excluding mortgage finance, net | ($734.4M) | ($642.4M) | ($280.5M) | ($936.1M) |
| Purchase of premises and equipment, net | ($10.5M) | ($11.4M) | ($1.4M) | ($12.9M) |
| Net cash used in investing activities | ($406.5M) | ($837.2M) | ($1.1B) | ($1.9B) |
| Net increase/(decrease) in deposits, net | $1.3B | $2.5B | $2.1B | $2.3B |
| Issuance of stock related to stock-based awards | ($9.7M) | ($9.2M) | ($9.6M) | ($7.6M) |
| Dividends, Common Stock, Stock | $17.3M | $8.7M | — | — |
| Preferred stock dividends paid | ($12.9M) | ($8.6M) | ($4.3M) | ($12.9M) |
| Repurchase of common stock | ($201.7M) | ($98.7M) | ($75.1M) | ($59.2M) |
| Net increase/(decrease) in short-term borrowings, net | ($330.0M) | $20.0M | ($330.0M) | ($610.0M) |
| Redemption of long-term debt | ($509.5M) | ($509.5M) | ($134.5M) | ($40.4M) |
| Excess tax benefits from stock-based compensation arrangements | $397.5M | $397.5M | $397.6M | — |
| Net cash provided by financing activities | $583.2M | $2.2B | $1.9B | $1.5B |
| Net increase/(decrease) in cash and cash equivalents | $575.0M | $1.6B | $857.5M | ($124.0M) |
| Cash and cash equivalents at beginning of period | $2.1B | $2.1B | $2.1B | $3.2B |
| Cash and cash equivalents at end of period | $2.7B | $3.7B | $3.0B | $3.1B |
| Cash paid during the period for interest | $541.4M | $369.9M | $180.5M | $580.6M |
| Cash paid during the period for income taxes | $100.2M | $67.2M | $1.6M | $67.4M |
| Transfers of loans from held for investment to held for sale | $21.3M | $21.3M | $21.3M | $0 |
TEXAS CAPITAL BANCSHARES INC/TX score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.