Company: TCBI
Filing Date: 2025-02-11
Form Type: 10-K
Source: 0001077428-25-000036
Chunk: 12

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-02-11
Form: 10-K
Item: Item 7
Chunk 12
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, the Company 

40

retains the right to stop the use of interest reserves. As of December 31, 2024 and December 31, 2023, none of the loans with interest reserves were on non-accrual.

Large Credit Relationships

The Company originates and maintains large credit relationships with numerous customers in the ordinary course of business. The legal lending limit of the Bank is approximately $595.2 million. The Company, however, generally employs lower house limits which vary by assigned risk grade, product and collateral type. Such house limits, which generally range from $20 million to $60 million, may be exceeded with appropriate authorization for exceptionally strong borrowers and otherwise where business opportunity and assessed credit risk warrant a somewhat larger investment. The Company considers large credit relationships to be those with commitments equal to or in excess of $20.0 million. The following table provides additional information on large held for investment credit relationships outstanding at year-end:

 December 31, 2024December 31, 2023  Period End Balances Period End Balances(dollars in thousands)Number ofRelationshipsCommittedOutstandingNumber ofRelationshipsCommittedOutstanding$30.0 million and greater373$20,195,542 $13,965,661 344$18,053,123 $11,794,216 $20.0 million to $29.9 million2255,516,052 3,792,528 2155,245,658 3,493,601 

Loan Maturities and Interest Rate Sensitivity

The following table shows the contractual maturity distribution of loans held for investment on a gross basis as of December 31, 2024:

(in thousands)Within 1 Year1-5 Years5-15 YearsAfter 15 YearsTotalCommercial$1,945,669 $8,854,449 $332,219 $13,254 $11,145,591 Mortgage finance5,215,574 — — — 5,215,574 Commercial real estate1,941,802 3,405,219 225,391 43,870 5,616,282 Consumer222,541 13,551 4,180 325,104 565,376 Total loans held for investment$9,325,586 $12,273,219 $561,790 $382,228 $22,542,