Company: TCBI
Filing Date: 2025-07-17
Form Type: 10-Q
Source: 0001077428-25-000136
Chunk: 56

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-07-17
Form: 10-Q
Item: Part I, Item 1
Chunk 56
---
5,987 3,895 293 10,175 23,252 5,631,673 5,665,100 3,034 Consumer1,651 — — 1,651 — 539,186 540,837 — Total$10,056 $8,173 $2,068 $20,297 $113,609 $23,892,288 $24,026,194 $8,662 (1)As of June 30, 2025, $848,000 of non-accrual loans were earning interest income on a cash basis compared to $360,000 as of December 31, 2024. Additionally, $630,000 of interest income was recognized on non-accrual loans for the six months ended June 30, 2025 compared to $161,000 for the same period in 2024. Accrued interest of $919,000 and $668,000 was reversed during the six months ended June 30, 2025 and June 30, 2024, respectively.

13

Modifications to Borrowers Experiencing Financial DifficultyThe table below details gross loans held for investment made to borrowers experiencing financial difficulty that were modified during the three and six months ended June 30, 2025 and June 30, 2024, by type of modification granted and the financial effect of those modifications:Financial Statement Impact($ in thousands)PaymentDeferralTermExtensionPaymentDeferraland TermExtensionTotalPercentage of Loans Held for InvestmentInterest Rate ReductionTerm Extension (in months)Payment DeferralsThree Months Ended June 30, 2025Commercial$9,492 $11,002 $21,580 $42,074 0.18 %—%10 to 26$5,762 Total$9,492 $11,002 $21,580 $42,074 0.18 %Three Months Ended June 30, 2024Commercial$16,147 $253 $7,439 $23,839 0.11 %—%3 to 13$1,176 Commercial real estate— 15,831 — 15,831 0.07 %—%3— Total$16,147 $16,084 $7,439 $39,670 0.18 %Six Months Ended June