Company: TCBI
Filing Date: 2025-07-17
Form Type: 10-Q
Source: 0001077428-25-000136
Chunk: 129

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-07-17
Form: 10-Q
Item: Part I, Item 8
Chunk 129
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5 was 3.27%, compared to 3.02% for the same period of 2024. The increase was primarily due to a decrease in funding costs.

The yield on total loans held for investment decreased to 6.37% for the six months ended June 30, 2025, compared to 6.68% for the same period in 2024, and the yield on earning assets decreased to 5.78% for the six months ended June 30, 2025, compared to 5.87% for the same period in 2024. Total cost of deposits decreased to 2.70% for the six months ended June 30, 2025 from 2.98% for the same period in 2024 and total funding costs, including non-interest bearing deposits and stockholders' equity, decreased to 2.48% for the six months ended June 30, 2025, compared to 2.83% for the same period in 2024. 

Non-interest Income 

Three Months Ended June 30,Six Months Ended June 30,(in thousands)2025202420252024Service charges on deposit accounts$8,182 $5,911 $16,022 $12,250 Wealth management and trust fee income3,730 3,699 7,694 7,266 Brokered loan fees2,398 2,131 4,347 4,042 Investment banking and advisory fees24,109 25,048 40,587 43,472 Trading income7,896 5,650 13,835 10,362 Available-for-sale debt securities losses(1,886)— (1,886)— Other9,640 7,985 17,914 14,351 Total non-interest income$54,069 $50,424 $98,513 $91,743 

Non-interest income increased $3.6 million during the three months ended June 30, 2025, compared to the same period in 2024, primarily due to increases in service charges on deposit accounts, trading income and other non-interest income, partially offset by a $1.9 million loss on sale of available-for-sale debt securities recognized during the second quarter of 2025.

Non-interest income was $98.5 million for the six months June 30, 2025, a $6.8