Company: TCBI
Filing Date: 2025-07-17
Form Type: 10-Q
Source: 0001077428-25-000136
Chunk: 105

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-07-17
Form: 10-Q
Item: Part I, Item 8
Chunk 105
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 for credit losses on loans resulted primarily from an increase in total loans held for investment and $22.8 million in net charge-offs recorded during the six months ended June 30, 2025, partially offset by a decline in criticized loans. Criticized loans totaled $637.5 million at June 30, 2025, compared to $714.0 million at December 31, 2024.A loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. At June 30, 2025, the Company had $4.1 million in collateral-dependent commercial loans, collateralized by business assets, and $22.9 million in collateral-dependent commercial real estate loans, collateralized by real estate.The table below provides an age analysis of gross loans held for investment:(in thousands)30-59 DaysPast Due60-89 DaysPast Due90 Days or More Past DueTotal PastDueNon-accrual(1)CurrentTotalNon-accrual With No AllowanceJune 30, 2025Commercial$2,418 $4,278 $1,775 $8,471 $90,357 $11,831,840 $11,930,668 $5,628 Mortgage finance— — — — — 5,889,589 5,889,589 — Commercial real estate5,987 3,895 293 10,175 23,252 5,631,673 5,665,100 3,034 Consumer1,651 — — 1,651 — 539,186 540,837 — Total$10,056 $8,173 $2,068 $20,297 $113,609 $23,892,288 $24,026,194 $8,662 (1)As of June 30, 2025, $848,000 of non-accrual loans were earning interest income on a cash basis compared to $360,000 as of December 31, 2024. Additionally, $630,000 of interest income was recognized on non-accrual loans for the six months ended June 30, 2025 compared to $161,000 for the same period in 2024. Accrued interest of $919