Company: TCBI
Filing Date: 2025-07-17
Form Type: 10-Q
Source: 0001077428-25-000136
Chunk: 110

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-07-17
Form: 10-Q
Item: Part I, Item 8
Chunk 110
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 capital.At the beginning of each of the last five years of the life of the Bank-issued fixed rate subordinated notes due 2026, the amount that is eligible to be included in Tier 2 capital is reduced by 20% of the original amount of the notes (net of redemptions). In 2025, the amount of the notes that qualify as Tier 2 capital has been reduced by 100%.The table below summarizes the Company’s and the Bank’s actual and required capital ratios under the Basel III Capital Rules and other standards. As shown in the table below, the Company’s and Bank’s capital ratios exceeded the regulatory definition of well capitalized as of June 30, 2025 and December 31, 2024.June 30, 2025December 31, 2024(dollars in thousands)Minimum Capital Required(2)Capital Required to be Well CapitalizedCapital AmountRatioCapital AmountRatioThe CompanyCET1 capital (to risk-weighted assets)7.00 %N/A$3,321,203 11.45 %$3,251,979 11.38 %Tier 1 capital (to risk-weighted assets)8.50 %6.00 %3,731,203 12.86 %3,661,979 12.82 %Total capital (to risk-weighted assets)10.50 %10.00 %4,437,924 15.30 %4,390,656 15.37 %Tier 1 capital (to average assets)(1)4.00 %N/A3,731,203 11.84 %3,661,979 11.33 %The BankCET1 capital (to risk-weighted assets)7.00 %6.50 %$3,397,976 11.81 %$3,611,714 12.75 %Tier 1 capital (to risk-weighted assets)8.50 %8.00 %3,397,976 11.81 %3,611,714 12.75 %Total capital (to risk-weighted assets)10.50 %10.00 %3,732,255 12.97 %3,968,168 14.00 %Tier 1 capital (to average assets)(1)4.00 %5.00 %3