Company: TCBI
Filing Date: 2025-07-17
Form Type: 10-Q
Source: 0001077428-25-000136
Chunk: 54

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-07-17
Form: 10-Q
Item: Part I, Item 1
Chunk 54
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624,918 $893,956 $1,934,504 $901,744 $216,376 $752,164 $273,663 $18,957 $5,616,282 Consumer(1-7) Pass$44,352 $28,289 $54,148 $75,924 $40,667 $99,471 $220,561 $— $563,412 (8) Special mention— — — — — — — — — (9) Substandard - accruing— — — — — — 1,000 — 1,000 (9+) Non-accrual— — — — — 964 — — 964 Total Consumer$44,352 $28,289 $54,148 $75,924 $40,667 $100,435 $221,561 $— $565,376 Total$2,305,541 $2,161,134 $3,438,876 $1,314,739 $334,555 $1,055,959 $11,901,022 $30,997 $22,542,823 Gross charge-offs$994 $7,543 $550 $4,037 $537 $8,784 $23,566 $44 $46,055 

12

The following table details activity in the allowance for credit losses on loans. Allocation of a portion of the allowance to one category does not preclude its availability to absorb losses in other categories.(in thousands)CommercialMortgageFinanceCommercial Real EstateConsumerTotalSix Months Ended June 30, 2025Beginning balance$198,423 $2,755 $68,825 $1,706 $271,709 Provision for credit losses on loans31,737 7,875 (11,011)100 28,701 Charge-offs23,217 — 931 — 24,148 Recoveries969 — 413 4 1,386 Net charge-offs (recoveries)22,248 — 518 (4)22,762 Ending balance$207,912 $10,630 $57,296 $1,