Texas Capital Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Dallas, TX, Texas Capital Bank operates as a regional commercial bank with multi-state coverage, in the Dallas–Fort Worth Metroplex. Texas Capital's Q2 2026 balance sheet shows $33.6B in assets funded primarily by $29.4B in customer deposits. Profitability tracks the broader industry: ROA 1.11%, ROE 10.35%, NIM 3.35%. Capital cushions are healthy: 12.35% CET1, 10.67% Tier 1 leverage. Credit metrics are in line with industry norms, 0.72% NPL ratio. It operates 10 branches, primarily in Texas.
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 0.72%, a Texas ratio of 4.88%, per financial data filed with the FFIEC.
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)
- Offices
- 10 domestic
- 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 |
|---|---|---|
| Holmes Rob C | CEO | Chairman, President and CEO |
| Scurlock John Matthew | CFO | Chief Financial Officer |
| Alvarado Anna M | GC | Chief Legal Officer |
| Oman David W | CRO | Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Texas Capital Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Texas Capital Bank, freeTexas Capital Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.35% | 1.11% | 0.72% | 4.88% | 3.35% |
| Q1 2026 | 13.18% | 1.00% | 0.73% | 5.18% | 3.45% |
| Q4 2025 | 13.01% | 1.29% | 0.57% | 4.06% | 3.45% |
| Q3 2025 | 12.53% | 1.33% | 0.47% | 3.09% | 3.53% |
| Q2 2025 | 11.81% | 1.03% | 0.60% | 4.12% | 3.37% |
| Q1 2025 | 11.90% | 0.69% | 0.66% | 4.29% | 3.19% |
| Q4 2024 | 12.75% | 0.94% | 0.70% | 4.16% | 3.02% |
| Q3 2024 | 12.65% | -0.72% | 0.49% | 2.98% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| 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
What the public regulatory sources show for Texas Capital Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in TX, rank 10 of 447 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.
- Consumer complaints
- 68 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Texas Capital Bank headquartered?
Texas Capital Bank is headquartered in Dallas, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Texas Capital Bank founded?
Texas Capital Bank was established in 1997, per the FDIC institution directory.
Is Texas Capital Bank FDIC-insured?
Yes. Texas Capital Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Texas Capital Bank's CET1 capital ratio?
Texas Capital Bank 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?
Texas Capital Bank 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?
Texas Capital Bank's Texas Ratio is 4.88% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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