Company: TCBI
Filing Date: 2025-10-23
Form Type: 10-Q
Source: 0001077428-25-000145
Chunk: 104

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-10-23
Form: 10-Q
Item: Part I, Item 8
Chunk 104
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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 EstateConsumerTotalNine Months Ended September 30, 2025Beginning balance$198,423 $2,755 $68,825 $1,706 $271,709 Provision for credit losses on loans35,106 5,944 (2,306)75 38,819 Charge-offs37,011 — 931 — 37,942 Recoveries1,019 — 413 8 1,440 Net charge-offs (recoveries)35,992 — 518 (8)36,502 Ending balance$197,537 $8,699 $66,001 $1,789 $274,026 Nine Months Ended September 30, 2024Beginning balance$171,437 $4,173 $71,829 $2,534 $249,973 Allowance established for acquired PCD loans2,579 — — — 2,579 Provision for credit losses on loans54,529 1,290 (6,840)414 49,393 Charge-offs23,661 — 5,698 30 29,389 Recoveries587 — — — 587 Net charge-offs (recoveries)23,074 — 5,698 30