Company: TCBI
Filing Date: 2025-02-11
Form Type: 10-K
Source: 0001077428-25-000036
Chunk: 58

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-02-11
Form: 10-K
Item: Item 8
Chunk 58
---
accrual(1)CurrentTotalNon-accrual With No AllowanceDecember 31, 2024Commercial$7,635 $7,357 $3,483 $18,475 $75,564 $11,051,552 $11,145,591 $11,036 Mortgage finance— — — — — 5,215,574 5,215,574 — Commercial real estate337 472 782 1,591 34,637 5,580,054 5,616,282 85 Consumer6,536 — — 6,536 964 557,876 565,376 964 Total$14,508 $7,829 $4,265 $26,602 $111,165 $22,405,056 $22,542,823 $12,085 (1)As of December 31, 2024, $360,000 of non-accrual loans were earning interest income on a cash basis compared to $358,000 as of December 31, 2023. Additionally, $287,000 of interest income was recognized on non-accrual loans for the year ended December 31, 2024 compared to $37,000 for the same period in 2023. Accrued interest of $1.4 million and $3.0 million was reversed during the year ended December 31, 2024 and December 31, 2023, respectively.

69

Modifications to Borrowers Experiencing Financial DifficultyThe table below details gross loans held for investment as of December 31, 2024 and December 31, 2023 made to borrowers experiencing financial difficulty that were modified during the year ended December 31, 2024 and December 31, 2023, by type of modification granted and the financial effect of those modifications:Financial Statement Impact($ in thousands)PaymentDeferralTermExtensionPaymentDeferraland TermExtensionInterest RateReductionand TermExtensionTotalPercentage of Loans Held for InvestmentInterest Rate ReductionTerm Extension (in months)Payment DeferralsYear Ended December 31, 2024Commercial$36,853 $9,583 $9,273 $— $55,709 0.25 %—%6 to 13$2,060 Commercial real estate18,488