Company: TCBI
Filing Date: 2025-04-17
Form Type: 10-Q
Source: 0001077428-25-000078
Chunk: 115

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-04-17
Form: 10-Q
Item: Part I, Item 2
Chunk 115
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icated loans, whether the Company acts as agent or 

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participant, are underwritten to the same standards as all other loans the Company originates. As of March 31, 2025, approximately $34.0 million of the Company’s shared national credits were on non-accrual.

Portfolio Concentrations

Although more than 50% of the Company’s total loan exposure is outside of Texas and more than 50% of deposits are sourced outside of Texas, Texas concentration remains significant. As of March 31, 2025, a majority of the loans held for investment, excluding mortgage finance and other national lines of business, were to businesses with headquarters or operations in Texas. This geographic concentration subjects the Company’s loan portfolio to the general economic conditions within this state. The risks created by this concentration have been considered by management in determining the appropriateness of the allowance for credit losses.

Non-performing Assets

Non-performing assets include non-accrual loans and leases, and repossessed assets. The table below summarizes non-accrual loans by portfolio segment and by type of property securing the credit. 

(dollars in thousands)March 31, 2025December 31, 2024Non-accrual loans held for investmentCommercial:Business assets$52,318 $64,481 Accounts receivable and inventory3,914 6,315 Machinery and equipment2,333 2,729 Unsecured— 60 Highly liquid assets1,223 1,340 Other— 639 Total commercial59,788 75,564 Commercial real estate:Industrial buildings20,277 20,637 Office buildings13,500 14,000 Hotel/motel buildings— — Total commercial real estate33,777 34,637 Consumer:Single family residences— 964 Total consumer— 964 Total non-accrual loans held for investment93,565 111,165 Non-accrual loans held for sale— — Other real estate owned (“OREO”)— — Total non-performing assets$93,565 $111,165 Non-accrual loans held for investment to total loans held for investment0.42 %0.50 %Total non-performing assets to total assets0.30 %0.36 %Allowance for credit losses on loans to non-accrual loans held for investment3.