Texas Capital Bancshares, Inc
Texas Capital Bancshares, Inc. is a U.S. bank holding company headquartered in Dallas that operates through Texas Capital Bank and Texas Capital Securities. It provides commercial banking, treasury, lending, deposit, and capital markets-related services to businesses, entrepreneurs, and individual customers, with primary banking offices across major Texas cities and a client network that extends beyond the state.
Fiscal year 2025 · change from previous year
Development 2020–2025
Business
Share of revenueLoans to businesses, entrepreneurs, and specialized borrowers including C&I and CRE.
Mortgage warehouse and related lending to mortgage finance counterparties.
Core deposit accounts, cash management, and treasury solutions for clients.
Personal banking, private banking, and related relationship services.
Broker-dealer and capital markets services through Texas Capital Securities.
Customers
The company serves businesses, entrepreneurs, and individual customers, with a strong emphasis on relationship banking for commercial clients. Its lending book includes Texas-based operating companies, real estate borrowers, mortgage finance counterparties, and energy-related borrowers, while deposits come from a mix of business and personal customers. Texas Capital Securities adds brokerage and capital markets services for clients that need execution and advisory capabilities alongside banking.
Businesses that use commercial loans, treasury services, and deposits for operating needs.
Property owners and developers financing apartments, industrial, office, and other CRE assets.
Mortgage lenders and related institutions that use mortgage finance lending facilities.
Individuals and owner-operators using deposit, lending, and private banking services.
Clients using Texas Capital Securities for brokerage and related transaction services.
Strategy
The company’s strategy centers on relationship banking, customized credit solutions, and a diversified funding base supported by customer deposits. It also emphasizes liquidity management, capital strength, and a broader product set that combines banking with brokerage and capital markets services. Geographic diversification outside Texas and across multiple loan categories helps balance its concentration in the Texas economy.
Relationship depth supports cross-sell, retention, and pricing power in a competitive market.
A broader geographic and borrower mix reduces dependence on Texas economic conditions.
Brokerage and securities services can deepen client relationships and broaden revenue sources.
Geography
Texas is the company’s core operating market, with primary banking offices in Dallas, Austin, Fort Worth, Houston, and San Antonio. The business also serves clients across the country, and management discloses that more than half of loan exposure and deposits are outside Texas even though Texas remains a significant concentration. Commercial real estate collateral is also heavily Texas-weighted, with about 52% located in the state.
Risks
The company is exposed to Texas economic conditions, especially through commercial lending and energy-related borrowers, and its credit performance can be affected by regional downturns and commodity cycles. It also faces typical bank risks such as interest rate risk, credit losses, liquidity pressure, regulatory capital requirements, cyber and vendor risk, and competition from both traditional and non-traditional financial providers. Because a large share of loans is collateralized and concentrated in commercial real estate, borrower and collateral values are important drivers of risk.
- Texas economic concentrationImpact: HighLikelihood: Medium
A majority of loans held for investment are tied to Texas businesses or operations, so regional weakness can affect credit quality and demand.
Exposure: Commercial lending and deposits
- Energy sector exposureImpact: HighLikelihood: Medium
Energy loans depend on oil and natural gas prices, drilling activity, and reserve values.
Exposure: Reserve-based lending and related energy borrowers
- Commercial real estate credit riskImpact: HighLikelihood: Medium
CRE collateral values and property cash flows can weaken in downturns or sector-specific stress.
Exposure - Interest rate and market riskImpact: MediumLikelihood: Medium
Rate moves affect securities valuations, funding costs, and the economics of lending and deposits.
Exposure: Securities portfolio and balance sheet management
- Cyber and operational riskImpact: MediumLikelihood: Medium
Banking operations rely on information systems, vendors, and secure transaction processing.
Exposure
Accounting
Judgemental itemsLoan loss estimates rely on judgment about borrower quality, collateral, and economic conditions.
Impact: Can materially affect provision expense and net income
Available-for-sale and trading securities are sensitive to interest rate movements and market pricing.
Impact: Affects OCI, earnings, and regulatory capital
Foreclosed real estate is carried at fair value less selling costs and may require write-downs.
Impact: Can create non-interest expense and asset value volatility
Goodwill is tested for recoverability when circumstances change.
Impact: Could lead to non-cash impairment charges
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Last updated: 24/09/2026