# EDGAR Filing Document

**Accession Number:** 0001077428
**File Stem:** 0001077428-26-000023
**Filing Date:** 2026-2
**Character Count:** 7774
**Document Hash:** 80ede073bbb14b5e8a2236192ab9e4f1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001077428-26-000023.hdr.sgml**: 20260224

**ACCESSION NUMBER**: 0001077428-26-000023

**CONFORMED SUBMISSION TYPE**: FWP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260224

**DATE AS OF CHANGE**: 20260224

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TEXAS CAPITAL BANCSHARES INC/TX
- **CENTRAL INDEX KEY:** 0001077428
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 752679109
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** FWP
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-277061
- **FILM NUMBER:** 26672789

**BUSINESS ADDRESS:**
- **STREET 1:** 2000 MCKINNEY AVE
- **STREET 2:** SUITE 700
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75201
- **BUSINESS PHONE:** 2149326600

**MAIL ADDRESS:**
- **STREET 1:** 2000 MCKINNEY AVE
- **STREET 2:** SUITE 700
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75201
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TEXAS CAPITAL BANCSHARES INC/TX
- **CENTRAL INDEX KEY:** 0001077428
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 752679109
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** FWP

**BUSINESS ADDRESS:**
- **STREET 1:** 2000 MCKINNEY AVE
- **STREET 2:** SUITE 700
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75201
- **BUSINESS PHONE:** 2149326600

**MAIL ADDRESS:**
- **STREET 1:** 2000 MCKINNEY AVE
- **STREET 2:** SUITE 700
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75201

**Issuer Free Writing Prospectus**

**Filed Pursuant to Rule 433**

**Registration No. 333-277061**

**Texas Capital Bancshares, Inc.**

$400,000,000

5.301% Fixed-to-Floating Rate Senior Notes due 2032

<u>Pricing Term Sheet</u>

February 24, 2026

The following information relates only to Texas Capital Bancshares, Inc.'s offering (the "Offering") of its 5.301% Fixed-to-Floating Rate Senior Notes due 2032 (the "notes") and should be read together with the preliminary prospectus supplement dated February 24, 2026 relating to this Offering and the accompanying prospectus dated February 14, 2024, including the documents incorporated and deemed to be incorporated by reference therein.

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| | |
|:---|:---|
| Issuer | Texas Capital Bancshares, Inc. (Nasdaq: TCBI) |
| Title of Security | 5.301% Fixed-to-Floating Rate Senior Notes due 2032 |
| Type of Offering | SEC Registered |
| Expected Ratings (Moody's / S&P)\* | Baa3 (Stable) / BBB- (Positive) |
| Principal Amount | $400000000 |
| Trade Date | February 24, 2026 |
| Settlement Date (T+3\*\*) | February 27, 2026 (the "Issue Date") |
| Benchmark Treasury | UST 3.75% due January 31, 2031 |
| Benchmark Treasury Price and Yield | 100-21.25; 3.601% |
| Spread to Benchmark Treasury | 170 bps |
| Yield to Maturity | 5.301% |
| Fixed Interest Rate | 5.301% per annum. |
| Fixed Interest Rate Period | From, and including, the Issue Date to, but excluding, February 27, 2031. |

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| | |
|:---|:---|
| Fixed Interest Payment Dates | Interest during the fixed interest period will be payable semi-annually in cash in arrears on February 27 and August 27 of each year, commencing on August 27, 2026. |
| Floating Interest Rate | Compounded SOFR, determined as set forth under "Description of the Notes—Interest—Compounded SOFR" in the preliminary prospectus supplement, plus 1.94%. The interest rate on the notes will in no event be higher than the maximum rate permitted by New York law as the same may be modified by United States law of general application and will in no event be lower than zero. |
| Floating Interest Rate Period | From, and including, February 27, 2031 to, but excluding, the maturity date. |
| Floating Interest Payment Dates | Interest during the floating rate period will be payable quarterly in cash in arrears on May 27, 2031, August 27, 2031, November 27, 2031 and at the maturity date. |
| Maturity Date | February 27, 2032 |
| Reset Date | February 27, 2031 |
| Denominations | $2,000 x $1,000 |
| Optional Redemption | On the Reset Date, the Issuer may redeem the notes, in whole, but not in part, at a redemption price equal to 100% of the principal amount of the notes being redeemed, plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date. At any time and from time to time on or after January 28, 2032 (30 days prior to the maturity date), the Issuer may redeem the notes in whole or in part at a redemption price equal to 100% of the principal amount of the notes being redeemed, plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date. The notes will not be subject to repayment at the option of the holder at any time prior to maturity.<br>The Issuer may also redeem the notes at any time prior to their maturity, including prior to the Reset Date, in whole, but not in part at a |

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| | |
|:---|:---|
| | redemption price equal to 100% of the principal amount of the notes being redeemed plus accrued and unpaid interest to, but excluding, the redemption date upon the occurrence of a "Tax Event" or Texas Capital becoming required to register as an investment company pursuant to the 1940 Act as set forth under "Description of the Notes—Optional Redemption" in the prospectus supplement. |
| Coupon | 5.301% |
| Price to Public | 100.00% of principal amount |
| Underwriting Discount | 0.40% of principal amount |
| Proceeds, Before Expenses | $398400000 |
| Use of Proceeds | The Issuer intends to use the net proceeds of this offering for general corporate purposes, which may include, among other uses, funding the redemption of its Subordinated Notes due 2031. |
| CUSIP / ISIN | 88224Q AC1 / US88224QAC15 |
| Joint Book-Running Managers | Goldman Sachs & Co. LLC <br>Morgan Stanley & Co. LLC<br>TCBI Securities, Inc. |
| Co-Managers | J.P. Morgan Securities LLC<br>Keefe, Bruyette & Woods, Inc |

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**\* A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time.**

**\*\* The Issuer expects to deliver the notes against payment for the notes on or about February 27, 2026, which will be the third business day following the date of the pricing of the notes (this settlement cycle being referred to as "T+3"). Under Rule 15c6-1 of the Exchange Act, trades in the secondary market generally are required to settle in one business day, unless the parties to a trade expressly agree otherwise. Accordingly, purchasers who wish to trade notes on the date of pricing will be required, by virtue of the fact that the notes initially will settle in T+3, to specify alternative settlement arrangements to prevent a failed settlement.**

**The Issuer has filed a registration statement (including a prospectus and preliminary prospectus supplement) with the Securities and Exchange Commission** 

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**("SEC") for the offering to which this communication relates. Before you invest, you should read each of these documents and the other documents the Issuer has filed with the SEC and incorporated by reference in such documents for more complete information about the Issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the Issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by contacting Goldman Sachs & Co. LLC at 1-866-471-2526, Morgan Stanley & Co. LLC at 1-866-718-1649 or TCBI Securities, Inc. at 1-866-355-6329.**

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