Company: TCBI
Filing Date: 2025-04-17
Form Type: 10-Q
Source: 0001077428-25-000078
Chunk: 64

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-04-17
Form: 10-Q
Item: Part I, Item 8
Chunk 64
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 the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. At March 31, 2025, the Company had $21.0 million in collateral-dependent commercial loans, collateralized by business assets, and $33.8 million in collateral-dependent commercial real estate loans, collateralized by real estate.The table below provides an age analysis of gross loans held for investment:(in thousands)30-59 DaysPast Due60-89 DaysPast Due90 Days or More Past DueTotal PastDueNon-accrual(1)CurrentTotalNon-accrual With No AllowanceMarch 31, 2025Commercial$1,298 $2,726 $— $4,024 $59,788 $11,340,482 $11,404,294 $5,689 Mortgage finance— — — — — 4,725,541 4,725,541 — Commercial real estate5,103 — 791 5,894 33,777 5,784,316 5,823,987 — Consumer— — — — — 521,253 521,253 — Total$6,401 $2,726 $791 $9,918 $93,565 $22,371,592 $22,475,075 $5,689 (1)As of March 31, 2025, $349,000 of non-accrual loans were earning interest income on a cash basis compared to $360,000 as of December 31, 2024. Additionally, $64,000 of interest income was recognized on non-accrual loans for the three months ended March 31, 2025 compared to $18,000 for the same period in 2024. Accrued interest of $7,000 and $487,000 was reversed during the three months ended March 31, 2025 and March 31, 2024, respectively.

12

Modifications to Borrowers Experiencing Financial DifficultyThe table below details gross loans held for investment as of March 31, 2025 and March 31, 2024 made to borrowers experiencing financial difficulty that were modified during the three months ended March 31, 2025 and March 31, 2024, by type of modification granted