Company: TCBI
Filing Date: 2025-07-17
Form Type: 10-Q
Source: 0001077428-25-000136
Chunk: 12

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-07-17
Form: 10-Q
Item: Part I, Item 2
Chunk 12
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5, 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.

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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)June 30, 2025December 31, 2024Non-accrual loans held for investmentCommercial:Business assets$81,916 $64,481 Accounts receivable and inventory5,077 6,315 Machinery and equipment2,858 2,729 Unsecured8 60 Highly liquid assets498 1,340 Other— 639 Total commercial90,357 75,564 Commercial real estate:Industrial buildings22,948 20,637 Office buildings— 14,000 Single family residences304 — Total commercial real estate23,252 34,637 Consumer:Single family residences— 964 Total consumer— 964 Total non-accrual loans held for investment113,609 111,165 Non-accrual loans held for sale— — Other real estate owned (“OREO”)— — Total non-performing assets$113,609 $111,165 Non-accrual loans held for investment to total loans held for investment0.47 %0.50 %Total non-performing assets to total assets0.36 %0.36 %Allowance for credit losses on loans to non-accrual loans held for investment2.4x2.4xLoans held for investment past due 90 days and accruing$2,068 $4,265 Loans held for investment past due 90 days to total loans held for investment0.01 %0.02 %Loans held for sale past due 90 days and accruing$— $— 

Summary of Credit Loss Experience

The provision for credit losses, comprised of a provision for loans and off-balance sheet credit losses, is a charge to earnings to maintain the allowance for credit losses at