Texas Capital Bank
Total assets
$33.62B
▲ +6.3% YoY
Deposits
$29.38B
▲ +10.7% YoY
Loans
$24.68B
▲ +4.4% YoY
Offices
10
TEXAS CAPITAL BANCSHARES INC
ROA (annualized)
1.03%
peers 1.23%
ROE (annualized)
9.55%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Texas Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.9% | +0.4 pts |
| Deposit growth (YoY) | +10.7% | +5.7% | +5.0 pts |
| Loan growth (YoY) | +4.4% | +6.9% | -2.6 pts |
| ROA | 1.03% | 1.23% | -0.2 pts |
| ROE | 9.6% | 11.2% | -1.7 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
Profile
- Established
- 1997
- Charter
- State
- Primary regulator
- FED
- Holding company
- TEXAS CAPITAL BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 2000 Mckinney Ave, Dallas, TX, 75201
- County
- Dallas
- Metro area
- Dallas-Fort Worth-Arlington, TX
- Offices
- 10
- FDIC cert #
- 34383
- RSSD ID
- 2618780
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.62B | $29.38B | $24.68B | $3.41B | $168.4M | 1.03% | 3.35% | 0.37% |
| Q1 2026 | $33.21B | $29.12B | $24.93B | $3.62B | $77.5M | 0.96% | 3.35% | 0.56% |
| Q4 2025 | $31.26B | $26.74B | $23.77B | $3.56B | $344.3M | 1.10% | 3.45% | 0.45% |
| Q3 2025 | $32.25B | $27.94B | $23.92B | $3.43B | $240.1M | 1.02% | 3.40% | 0.30% |
| Q2 2025 | $31.63B | $26.53B | $23.65B | $3.29B | $133.7M | 0.86% | 3.32% | 0.37% |
| Q1 2025 | $31.10B | $26.56B | $22.10B | $3.18B | $53.3M | 0.69% | 3.23% | 0.30% |
| Q4 2024 | $30.62B | $25.42B | $22.18B | $3.60B | $97.7M | 0.33% | 3.22% | 0.38% |
| Q3 2024 | $31.49B | $26.01B | $22.03B | $3.58B | $21.8M | 0.10% | 3.23% | 0.30% |
Loan mix (Q2 2026): real estate $5.44B · commercial $9.10B · consumer $114.7M · securities $4.55B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Texas Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.23% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.3% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.55% | 44th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 54.9% | 71th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Texas Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Texas Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Texas Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Texas Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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