Company: TCBI
Filing Date: 2025-02-11
Form Type: 10-K
Source: 0001077428-25-000036
Chunk: 13

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-02-11
Form: 10-K
Item: Item 7
Chunk 13
---
823 

The following table shows the interest rate composition of loans held for investment on a gross basis with a maturity date over one year as of December 31, 2024:

(in thousands)Fixed Interest RateFloating Interest RateTotalCommercial$667,754 $8,532,168 $9,199,922 Mortgage finance— — — Commercial real estate270,721 3,403,759 3,674,480 Consumer13,498 329,337 342,835 Total loans held for investment$951,973 $12,265,264 $13,217,237 

41

Non-performing Assets

Non-performing assets include non-accrual loans and leases, and repossessed assets. The table below summarizes non-accrual loans by portfolio segment and by type of property securing the credit. 

(dollars in thousands)December 31, 2024December 31, 2023Non-accrual loans held for investmentCommercial:Business assets$64,481 $63,094 Oil and gas properties— 2,543 Accounts receivable and inventory6,315 — Machinery and equipment2,729 3,332 Unsecured60 79 Highly liquid assets1,340 — Other639 — Total commercial75,564 69,048 Commercial real estate:Industrial buildings20,637 — Office buildings14,000 — Hotel/motel buildings— 12,350 Total commercial real estate34,637 12,350 Consumer:Single family residences964 — Total consumer964 — Total non-accrual loans held for investment111,165 81,398 Non-accrual loans held for sale— — Other real estate owned (“OREO”)— — Total non-performing assets$111,165 $81,398 Non-accrual loans held for investment to total loans held for investment0.50 %0.40 %Total non-performing assets to total assets0.36 %0.29 %Allowance for credit losses on loans to non-accrual loans held for investment2.4x3.1xLoans held for investment past due 90 days and accruing$4,265 $19,523 Loans held for investment past due 90 days to total loans held for