Company: TCBI
Filing Date: 2025-10-23
Form Type: 10-Q
Source: 0001077428-25-000145
Chunk: 125

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-10-23
Form: 10-Q
Item: Part I, Item 8
Chunk 125
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,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 finance4,929,539 156,838 4.25 %4,345,393 128,548 3.95 %Loans held for investment(3)17,935,710 922,154 6.87 %16,688,820 906,757 7.26 %Less: Allowance for credit losses on loans276,076 — — %260,024 — — %Loans held for investment, net22,589,173 1,078,992 6.39 %20,774,189 1,035,305 6.66 %Total earning assets30,421,365 1,328,953 5.82 %28,917,583 1,292,179 5.90 %Cash and other assets1,144,443 1,158,758 Total assets$31,565,