Company: TCBI
Filing Date: 2025-10-23
Form Type: 10-Q
Source: 0001077428-25-000145
Chunk: 58

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-10-23
Form: 10-Q
Item: Part I, Item 1
Chunk 58
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 table below provides an age analysis of gross loans held for investment as of September 30, 2025 and September 30, 2024 made to borrowers experiencing financial difficulty that were modified in the prior twelve months:(in thousands)30-89 DaysPast Due90+ DaysPast DueNon-AccrualCurrentTotalSeptember 30, 2025Commercial$758 $— $47,849 $18,157 $66,764 Commercial real estate— — 17,506 — 17,506 Total$758 $— $65,355 $18,157 $84,270 September 30, 2024Commercial$— $— $10,191 $4,474 $14,665 Commercial real estate— — — 15,831 15,831 Total$— $— $10,191 $20,305 $30,496 

(5) Short-Term Borrowings and Long-Term Debt

The table below presents a summary of short-term borrowings:(in thousands)September 30, 2025December 31, 2024Federal funds purchased$275,000 $— Federal Home Loan Bank borrowings— 885,000 Total short-term borrowings$275,000 $885,000 

The table below presents a summary of long-term debt:(in thousands)September 30, 2025December 31, 2024Bank-issued 5.25% fixed rate subordinated notes due 2026$134,459 $174,717 Company-issued 4.00% fixed rate subordinated notes due 2031372,551 372,223 Trust preferred floating rate subordinated debentures due 2032 to 2036113,406 113,406 Total long-term debt$620,416 $660,346 During the second quarter of 2025, the Company partially paid down $40.5 million of the bank-issued 5.25% fixed rate subordinated notes due 2026.

(6) Financial Instruments with Off-Balance Sheet Risk

The table below presents the Company’s financial instruments with off-balance sheet risk, as well as the activity in the allowance for off-balance sheet credit losses related to those financial instruments.(in thousands)CommercialMortgageFinanceCommercialReal EstateConsumerTotalNine Months Ended September 30,