Company: TCBI
Filing Date: 2025-07-17
Form Type: 10-Q
Source: 0001077428-25-000136
Chunk: 58

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-07-17
Form: 10-Q
Item: Part I, Item 1
Chunk 58
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)30-89 DaysPast Due90+ DaysPast DueNon-AccrualCurrentTotalJune 30, 2025Commercial$758 $— $61,005 $15,100 $76,863 Commercial real estate— — 17,835 — 17,835 Total$758 $— $78,840 $15,100 $94,698 June 30, 2024Commercial$— $— $11,297 $30,757 $42,054 Commercial real estate— — — 15,831 15,831 Total$— $— $11,297 $46,588 $57,885 

(5) Short-Term Borrowings and Long-Term Debt

The table below presents a summary of short-term borrowings:(in thousands)June 30, 2025December 31, 2024Federal Home Loan Bank borrowings$1,250,000 $885,000 Total short-term borrowings$1,250,000 $885,000 

The table below presents a summary of long-term debt:(in thousands)June 30, 2025December 31, 2024Bank-issued 5.25% fixed rate subordinated notes due 2026134,408 174,717 Company-issued 4.00% fixed rate subordinated notes due 2031372,442 372,223 Trust preferred floating rate subordinated debentures due 2032 to 2036113,406 113,406 Total long-term debt$620,256 $660,346 

During the second quarter of 2025, the Company partially paid down $40.5 million of the bank-issued 5.25% fixed rate subordinated notes due 2026.

(6) Financial Instruments with Off-Balance Sheet Risk

The table below presents the Company’s financial instruments with off-balance sheet risk, as well as the activity in the allowance for off-balance sheet credit losses related to those financial instruments.(in thousands)CommercialMortgageFinanceCommercialReal EstateConsumerTotalSix Months Ended June 30, 2025Beginning balance$47,907 $23 $5,351 $51 $53,332 Provision for off-balance sheet credit losses4,075 7 (767)(16)3,299