Company: TCBI
Filing Date: 2025-10-23
Form Type: 10-Q
Source: 0001077428-25-000145
Chunk: 75

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-10-23
Form: 10-Q
Item: Part I, Item 1
Chunk 75
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688 $15,972 3.20 %Savings deposits14,650,152 143,327 3.88 %12,240,616 147,770 4.80 %Time deposits2,158,228 23,465 4.31 %2,070,537 26,513 5.09 %Total interest bearing deposits19,059,597 180,779 3.76 %16,299,841 190,255 4.64 %Short-term borrowings44,022 534 4.82 %1,012,608 13,784 5.42 %Long-term debt620,348 7,531 4.82 %660,098 8,392 5.06 %Total interest bearing liabilities19,723,967 188,844 3.80 %17,972,547 212,431 4.70 %Non-interest bearing deposits8,351,524 9,439,020 Other liabilities463,034 558,368 Stockholders’ equity3,624,184 3,245,238 Total liabilities and stockholders’ equity$32,162,709 $31,215,173 Net interest income$272,284 $240,172 Net interest margin3.47 %3.16 %

(1)Taxable equivalent rates used where applicable.

(2)Yields on investment securities are calculated using available-for-sale securities at amortized cost.

(3)Average balances include non-accrual loans.

25

Taxable Equivalent Net Interest Income Analysis - Year to Date(1)

Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024(dollars in thousands)AverageBalanceRevenue /ExpenseYield /RateAverageBalanceRevenue /ExpenseYield /RateAssetsInvestment securities(2)$4,557,996 $141,965 4.05 %$4,346,957 $104,117 2.97 %Interest bearing cash and cash equivalents3,274,086 107,994 4.41 %3,761,901 150,325 5.34 %Loans held for sale110 2 2.97 %34,536 2,432 9.41 %Loans held for investment, mortgage finance4