Company: TCBI
Filing Date: 2025-04-17
Form Type: 10-Q
Source: 0001077428-25-000078
Chunk: 21

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-04-17
Form: 10-Q
Item: Part I, Item 1
Chunk 21
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 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 and the financial effect of those modifications:Financial Statement Impact($ in thousands)PaymentDeferralTermExtensionPaymentDeferraland TermExtensionInterest RateReductionand TermExtensionTotalPercentage of Loans Held for InvestmentInterest Rate ReductionTerm Extension (in months)Payment DeferralsThree Months Ended March 31, 2025Commercial$1,817 $— $788 $— $2,605 0.01 %—%6 to 12$135 Commercial real estate18,163 — — — 18,163 0.08 %—%—369 Total$19,980 $— $788 $— $20,768 0.09 %Three Months Ended March 31, 2024Commercial$11,575 $300 $— $— $11,875 0.06 %—%12$3,650 Total$11,575 $300 $— $— $11,875 0.06 %The table below details gross loans held for investment as of March 31, 2025 and March 31, 2024 that experienced a default during the periods presented subsequent to being granted a modification in the prior twelve months. Default is defined as movement to nonperforming status, foreclosure or charge-off, whichever occurs first.(in thousands)PaymentDeferralPayment Deferraland Term ExtensionTotalThree Months Ended March 31, 2025Commercial$2,996 $— $2,996 Commercial real estate— 13,500 13,500 Total$2,996 $13,500 $16,496 Three Months Ended March 31, 2024Commercial$3,129 $1,756 $4,885 Total$3,129 $1,756 $4,885 The table below provides an age analysis of gross loans held for investment as of March 31, 2025 and March 31, 202