Texas Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
Texas Capital Bank is an FDIC-insured commercial bank headquartered in Dallas, TX, established in 1997 (FDIC certificate 34383), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $33.62B, up 6.3% from Q2 2025, the 4th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.35% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34383
- Headquarters
- Dallas, TX
- Established
- 1997
- Total assets, Q2 2026
- $33.62B
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 12.35%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 111017979
- Latest call report
- Q2 2026, FFIEC 041 · Texas Capital Bank call report
- Holding company
- TEXAS CAPITAL BANCSHARES, INC.
- Asset rank in state
- 4th of 346 in Texas
Little in Texas Capital Bank's latest call report stands out. Its balance sheet stood at $33.6 billion at June 30, 2026, up 6.3% from a year earlier; it is based in Dallas, Texas. On most measures it sits near the middle of the 127 banks with $10 billion to $100 billion in assets.
Net income for the quarter rose 13% from a year earlier, to $91 million. Over the same year, loans grew 4.3% and deposits grew 10.7%.
As of June 30, 2026, Texas Capital Bank reported a CET1 capital ratio of 12.35%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 3.37%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Texas Capital Bank is the 4th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.3% to $33.62B, loans fell 1.0% and deposits rose 0.9%. Loans to nondepository financial institutions made up 38.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 36.5%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in TX; its Dallas 2 offices book 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, Texas Capital Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2000 Mckinney Ave, Dallas, TX 75201
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 3, 1997
- Former names
- Texas Capital Bank, National Association (1998-2021)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 1,743
- Domestic deposits
- $29.38B
- Allowance for credit losses
- $268.3M
- Net charge-offs (YTD)
- $33.4M
- Average total assets
- $32.83B
- Average total loans
- $24.60B
- Average interest-bearing deposits
- $19.84B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 3, 1997
- FDIC Cert
- 34383
- Fed RSSD
- 2618780
- SEC CIK
- 1077428 → filed by TEXAS CAPITAL BANCSHARES, INC.
- Website
- www.texascapitalbank.com →
- Parent Holding Company
- TEXAS CAPITAL BANCSHARES, INC. (RSSD 2706735) · TCBI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rob C Holmes | CEO | Chairman, President and CEO |
| Scurlock John Matthew | CFO | Chief Financial Officer |
| Anna M Alvarado | GC | Chief Legal Officer |
| David W Oman | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Texas Capital Bank's total assets moved between a low of $28.31B (Q4 2023) and a high of $33.62B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$33.62B total assets against $31.63B; $30.22B total liabilities against $28.34B.
$24.68B net loans and leases against $23.65B; $29.38B total deposits against $26.53B.
$4.55B securities against $4.57B; $3.48B cash and balances due against $2.50B.
$439.1M total interest income against $437.9M; $170.6M total interest expense against $180.5M.
$268.5M net interest income against $257.5M.
$44.8M total noninterest income against $33.6M; $177.8M total noninterest expense against $169.3M.
$18.0M provision for credit losses against $15.0M.
$90.9M net income against $80.4M.
1.11% return on assets against 1.03%; 3.35% net interest margin against 3.37%.
12.35% CET1 capital ratio against 11.81%; 10.67% tier 1 leverage ratio against 10.87%.
Inside the full Texas Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTexas Capital Bank rankings
Its closest position to the top of a national ranking is 65 of 4,196, for total assets; its furthest is 1,598 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.72% (Q3 2024) to 1.33% (Q3 2025) and its net interest margin ran from 3.02% (Q4 2024) to 3.53% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.35% | 1.11% | 0.50% | 3.37% | 3.35% |
| Q1 2026 | 13.18% | 1.00% | 0.73% | 4.72% | 3.45% |
| Q4 2025 | 13.01% | 1.29% | 0.58% | 3.66% | 3.45% |
| Q3 2025 | 12.53% | 1.33% | 0.40% | 2.59% | 3.53% |
| Q2 2025 | 11.81% | 1.03% | 0.48% | 3.24% | 3.37% |
| Q1 2025 | 11.90% | 0.69% | 0.42% | 2.72% | 3.19% |
| Q4 2024 | 12.75% | 0.94% | 0.51% | 2.97% | 3.02% |
| Q3 2024 | 12.65% | -0.72% | 0.42% | 2.42% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Texas Capital Bank (main office) | Dallas , TX | 75201 | $13.74B |
| Texas Capital Austin Downtown Financial Center Branch | Austin , TX | 78701 | $9.73B |
| Texas Capital Houston Galleria Financial Center Branch | Houston , TX | 77056 | $2.93B |
| Texas Capital Plano Financial Center Branch | Plano , TX | 75024 | $993.5M |
| Texas Capital Brackenridge Financial Center Branch | San Antonio , TX | 78212 | $756.2M |
| Texas Capital Fort Worth Dowtown Financial Center Branch | Fort Worth , TX | 76102 | $653.3M |
| Texas Capital Northwest Houston Financial Center Branch | Houston , TX | 77041 | $336.4M |
| Texas Capital Southlake Financial Center Branch | Southlake , TX | 76092 | $155.6M |
| Texas Capital Trinity Groves Financial Center Branch | Dallas , TX | 75212 | $83.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.9% of deposits in TX, rank 10 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 50 applications, 43 loans originated, $714.2M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 38 loans, $59.7M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 72 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Texas Capital Bank
What are Texas Capital Bank's total assets?
As of the Q2 2026 filing, Texas Capital Bank reported total assets of $33.62 billion in its FFIEC call report.
Where is Texas Capital Bank headquartered?
It is headquartered in Dallas, TX, United States.
When was Texas Capital Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Texas Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34383). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Capital Bank?
Texas Capital Bank's primary federal regulator is the Federal Reserve.
What is Texas Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.35% in its Q2 2026 call report, above regulatory requirements.
How many branches does Texas Capital Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Capital Bank's Texas Ratio?
Its Texas Ratio is 3.37% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Texas Capital Bank previously called?
The charter now named Texas Capital Bank has also operated as Texas Capital Bank, National Association (1998-2021), per FDIC structure-change records.
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