Company: TCBI
Filing Date: 2025-07-17
Form Type: 10-Q
Source: 0001077428-25-000136
Chunk: 104

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-07-17
Form: 10-Q
Item: Part I, Item 8
Chunk 104
---
$100,435 $221,561 $— $565,376 Total$2,305,541 $2,161,134 $3,438,876 $1,314,739 $334,555 $1,055,959 $11,901,022 $30,997 $22,542,823 Gross charge-offs$994 $7,543 $550 $4,037 $537 $8,784 $23,566 $44 $46,055 

12

The following table details activity in the allowance for credit losses on loans. Allocation of a portion of the allowance to one category does not preclude its availability to absorb losses in other categories.(in thousands)CommercialMortgageFinanceCommercial Real EstateConsumerTotalSix Months Ended June 30, 2025Beginning balance$198,423 $2,755 $68,825 $1,706 $271,709 Provision for credit losses on loans31,737 7,875 (11,011)100 28,701 Charge-offs23,217 — 931 — 24,148 Recoveries969 — 413 4 1,386 Net charge-offs (recoveries)22,248 — 518 (4)22,762 Ending balance$207,912 $10,630 $57,296 $1,810 $277,648 Six Months Ended June 30, 2024Beginning balance$171,437 $4,173 $71,829 $2,534 $249,973 Provision for credit losses on loans26,200 1,445 12,245 153 40,043 Charge-offs17,541 — 5,436 — 22,977 Recoveries258 — — — 258 Net charge-offs (recoveries)17,283 — 5,436 — 22,719 Ending balance$180,354 $5,618 $78,638 $2,687 $267,297 The Company recorded a $28.7 million provision for credit losses on loans for the six months ended June 30, 2025, compared to $40.0 million for the same period of 2024. The $28.7 million provision