Company: TCBI
Filing Date: 2025-04-17
Form Type: 10-Q
Source: 0001077428-25-000078
Chunk: 59

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-04-17
Form: 10-Q
Item: Part I, Item 8
Chunk 59
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 Loans

Loans are summarized by portfolio segment as follows:(in thousands)March 31, 2025December 31, 2024Loans held for investment(1):Commercial$11,404,294 $11,145,591 Mortgage finance4,725,541 5,215,574 Commercial real estate5,823,987 5,616,282 Consumer521,253 565,376 Gross loans held for investment22,475,075 22,542,823 Unearned income (net of direct origination costs)(95,291)(92,757)Total loans held for investment22,379,784 22,450,066 Allowance for credit losses on loans(278,379)(271,709)Total loans held for investment, net$22,101,405 $22,178,357 (1)    Excludes accrued interest receivable of $102.1 million and $107.3 million at March 31, 2025 and December 31, 2024, respectively, that is recorded in accrued interest receivable and other assets on the consolidated balance sheets.

10

The following tables summarize gross loans held for investment by year of origination and internally assigned credit grades:(in thousands)202520242023202220212020and priorRevolving lines of creditRevolving lines of credit converted to term loansTotalMarch 31, 2025Commercial(1-7) Pass$246,092 $1,510,510 $1,053,890 $1,153,375 $278,453 $206,130 $6,376,270 $11,809 $10,836,529 (8) Special mention95 28,270 44,350 147,876 23,983 4,802 76,719 18,905 345,000 (9) Substandard - accruing24 580 40,449 37,731 7,274 3,228 73,691 — 162,977 (9+) Non-accrual— — 8,623 4,030 — 21,830 25,305 — 59,788 Total commercial$246,211 $1,539,360 $1,147,312 $1,343,012 $309,710 $235,