Company: TCBI
Filing Date: 2025-10-23
Form Type: 10-Q
Source: 0001077428-25-000145
Chunk: 110

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-10-23
Form: 10-Q
Item: Part I, Item 8
Chunk 110
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 Bank had less than $15.0 billion in total consolidated assets as of December 31, 2009, it is allowed to continue to classify the trust preferred securities, all of which were issued prior to May 19, 2010, as Tier 1 capital.At the beginning of each of the last five years of the life of the Bank-issued fixed rate subordinated notes due 2026, the amount that is eligible to be included in Tier 2 capital is reduced by 20% of the original amount of the notes (net of redemptions). In 2025, the amount of the notes that qualify as Tier 2 capital has been reduced by 100%.The table below summarizes the Company’s and the Bank’s actual and required capital ratios under the Basel III Capital Rules and other standards. As shown in the table below, the Company’s and Bank’s capital ratios exceeded the regulatory definition of well capitalized as of September 30, 2025 and December 31, 2024.September 30, 2025December 31, 2024(dollars in thousands)Minimum Capital Required(2)Capital Required to be Well CapitalizedCapital AmountRatioCapital AmountRatioThe CompanyCET1 capital (to risk-weighted assets)7.00 %N/A$3,419,546 12.14 %$3,251,979 11.38 %Tier 1 capital (to risk-weighted assets)8.50 %6.00 %3,829,546 13.60 %3,661,979 12.82 %Total capital (to risk-weighted assets)10.50 %10.00 %4,534,636 16.10 %4,390,656 15.37 %Tier 1 capital (to average assets)(1)4.00 %N/A3,829,546 11.88 %3,661,979 11.33 %The BankCET1 capital (to risk-weighted assets)7.00 %6.50 %$3,509,504 12.53 %$3,611,714 12.75 %Tier 1 capital (to risk-weighted assets)8.50 %8.00 %3,509,504 12.53 %3,611,714 12.75 %Total capital (to risk-weight