Company: TCBI
Filing Date: 2025-10-23
Form Type: 10-Q
Source: 0001077428-25-000145
Chunk: 106

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-10-23
Form: 10-Q
Item: Part I, Item 8
Chunk 106
---
 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 nine months ended September 30, 2025 compared to $272,000 for the same period in 2024. Accrued interest of $1.5 million and $917,000 was reversed during the nine months ended September 30, 2025 and September 30, 2024, respectively.

13

Modifications to Borrowers Experiencing Financial DifficultyThe table below details gross loans held for investment made to borrowers experiencing financial difficulty that were modified during the three and nine months ended September 30, 2025 and September 30, 2024, by type of modification granted and the financial effect of those modifications:Financial Statement Impact($ in thousands)PaymentDeferralTermExtensionPaymentDeferraland TermExtensionTotalPercentage of Loans Held for InvestmentInterest Rate ReductionTerm Extension (in months)Payment DeferralsThree Months Ended September 30, 2025Commercial$791 $8,948 $758 $10,497 0.04 %—%3 to 6$814 Commercial real estate— — 17,505 17,505 0.07 %—%6737 Total$791 $8,948 $18,263 $28,002 0.12 %Three Months Ended September 30, 2024Commercial$360 $— $— $360 — %—%0$42 Total$360 $— $— $360 — %Nine Months Ended September 30, 2025Commercial$12,100 $19,950 $23,126 $55,176 0.23 %—%3 to 26$6,711 Commercial real estate18,163 — 17,505 35,668 0.15 %—%61,106 Total$30,263 $19,950 $40,631 $90,844 0.37 %Nine Months Ended September 30, 2024Commercial$28,082 $553 $7,439 $36,074 0.16 %—%3 to 13$4,868 Commercial real estate— 15,831