Texas Capital Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 100.0% in Q2 2026, from $21.3M to $0. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas Capital Bank is 94th of 346 on loan-to-deposit ratio, 84.92% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio; Texas Capital Bank reported 84.92% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $24.95B |
| Net loans and leases | $24.68B |
| Loans held for sale | $0 |
| Loans to total assets | 74.20% |
| Loan-to-deposit ratio | 84.92% |
| Net loans to equity capital | 7.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.39% |
| Multifamily (5+ residential) | 6.13% |
| Commercial and industrial | 36.49% |
| Consumer | 0.46% |
| Credit cards | 0.00% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 124.93% |
| Construction concentration (Tier 1 capital + allowance) | 23.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.95% |
| Interest income on loans | $364.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $20.77B | $24.23B | 11.50% | 33.21% | 1.15% |
| Q4 2023 | $20.38B | $22.67B | 12.08% | 33.59% | 1.19% |
| Q1 2024 | $20.87B | $24.17B | 12.36% | 33.60% | 1.23% |
| Q2 2024 | $21.82B | $23.97B | 11.19% | 31.79% | 1.55% |
| Q3 2024 | $22.30B | $26.01B | 10.34% | 33.16% | 1.31% |
| Q4 2024 | $22.45B | $25.42B | 11.24% | 34.40% | 1.03% |
| Q1 2025 | $22.38B | $26.56B | 11.40% | 36.19% | 0.87% |
| Q2 2025 | $23.93B | $26.53B | 10.52% | 35.42% | 0.88% |
| Q3 2025 | $24.19B | $27.94B | 10.40% | 35.41% | 0.84% |
| Q4 2025 | $24.04B | $26.74B | 9.76% | 34.98% | 0.42% |
| Q1 2026 | $25.20B | $29.12B | 9.93% | 34.99% | 0.42% |
| Q2 2026 | $24.95B | $29.38B | 10.39% | 36.49% | 0.46% |
Texas Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Capital Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Texas Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34383) · FFIEC NIC profile (RSSD 2618780)