Company: TCBI
Filing Date: 2025-07-17
Form Type: 10-Q
Source: 0001077428-25-000136
Chunk: 5

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-07-17
Form: 10-Q
Item: Part I, Item 2
Chunk 5
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 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.

26

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

Six Months Ended June 30, 2025Six Months Ended June 30, 2024(dollars in thousands)AverageBalanceRevenue /ExpenseYield /RateAverageBalanceRevenue /ExpenseYield /RateAssetsInvestment securities(2)$4,518,822 $92,564 4.01 %$4,363,195 $65,728 2.79 %Interest bearing cash and cash equivalents3,454,011 75,792 4.43 %3,662,348 97,588 5.36 %Loans held for sale167 2 2.97 %39,966 1,867 9.40 %Loans held for investment, mortgage finance4,653,577 97,234 4.21 %3,937,498 74,177 3.79 %Loans held for investment(3)17,774,206 602,233 6.83 %16,636,438 600,216 7.26 %Less: Allowance for credit losses on loans275,411 — — %256,541 — — %Loans held for investment, net22,152,372 699,467 6.37 %20,317,395 674,393 6.68 %Total earning assets30,125,372 867,825 5.78 %28,382,904 839,576 5.87 %Cash and other assets1,137,040 1,117,763 Total assets$31,262,412 $29,500,667 Liabilities and Stockholders’ EquityTransaction deposits$2,188,282 $27,639 2.55 %$2,034,057 $33,840 3.35 %Savings deposits13,543,190 267,849 3.99 %11,695,673 279,963 4.81 %Time deposits2,345,543 54,246 4.66 %1,689,112 43,077