Form 8-K

8-K — TEXAS CAPITAL BANCSHARES INC/TX

Accession: 0001077428-26-000078

Filed: 2026-10-21

Period: 2026-10-21

CIK: 0001077428

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — tcbi-20261021.htm (Primary)

EX-99.1 — EX-99.1 EARNINGS RELEASE (a10212026exhibit991.htm)

EX-99.2 — EX-99.2 EARNINGS PRESENTATION (texascapitalq32026earnin.htm)

GRAPHIC (tcbicolorlogoforrelease.jpg)

GRAPHIC (texascapitalq32026earnin001.jpg)

GRAPHIC (texascapitalq32026earnin002.jpg)

GRAPHIC (texascapitalq32026earnin003.jpg)

GRAPHIC (texascapitalq32026earnin004.jpg)

GRAPHIC (texascapitalq32026earnin005.jpg)

GRAPHIC (texascapitalq32026earnin006.jpg)

GRAPHIC (texascapitalq32026earnin007.jpg)

GRAPHIC (texascapitalq32026earnin008.jpg)

GRAPHIC (texascapitalq32026earnin009.jpg)

GRAPHIC (texascapitalq32026earnin010.jpg)

GRAPHIC (texascapitalq32026earnin011.jpg)

GRAPHIC (texascapitalq32026earnin012.jpg)

GRAPHIC (texascapitalq32026earnin013.jpg)

GRAPHIC (texascapitalq32026earnin014.jpg)

GRAPHIC (texascapitalq32026earnin015.jpg)

GRAPHIC (texascapitalq32026earnin016.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: tcbi-20261021.htm · Sequence: 1

tcbi-20261021

TEXAS CAPITAL BANCSHARES INC/TX0001077428false00010774282026-10-212026-10-210001077428us-gaap:CommonStockMember2026-10-212026-10-210001077428us-gaap:SeriesBPreferredStockMember2026-10-212026-10-21

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 21, 2026

TEXAS CAPITAL BANCSHARES, INC.

(Exact name of registrant as specified in its charter)

Delaware 001-34657 75-2679109

(State or other jurisdiction of

incorporation) (Commission

File Number) (I.R.S. Employer

Identification Number)

2000 McKinney Avenue, Suite 700, Dallas, Texas, U.S.A.

(Address of principal executive offices)

75201

(Zip Code)

Registrant’s telephone number, including area code: (214) 932-6600

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, par value $0.01 per share TCBI Texas Stock Exchange LLC

Depositary Shares Each Representing a 1/40th Interest in a Share of 5.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series B par value $0.01 per share

TCBI PRB Texas Stock Exchange LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02.    Results of Operations and Financial Condition.

On October 21, 2026, Texas Capital Bancshares, Inc. issued a press release and made available presentation slides regarding its operating and financial results for its fiscal quarter ended September 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1. A copy of the presentation is attached hereto as Exhibit 99.2.

The information in Item 2.02 of this report (including Exhibits 99.1 and 99.2) shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act of 1934, as amended, except as expressly set forth by specific reference in such a filing.

Item 9.01.    Financial Statements and Exhibits.

(d)    Exhibits

99.1    Press Release, dated October 21, 2026 announcing Texas Capital Bancshares, Inc.'s operating and financial results for its fiscal quarter ended September 30, 2026

99.2    Presentation dated October 21, 2026 discussing Texas Capital Bancshares, Inc.’s operating and financial results for its fiscal quarter ended September 30, 2026

104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 21, 2026 TEXAS CAPITAL BANCSHARES, INC.

By: /s/ J. Matthew Scurlock

J. Matthew Scurlock

Chief Financial Officer

EX-99.1 — EX-99.1 EARNINGS RELEASE

EX-99.1

Filename: a10212026exhibit991.htm · Sequence: 2

Document

Exhibit 99.1

INVESTOR CONTACT

Jocelyn Kukulka, 469.399.8544

jocelyn.kukulka@texascapital.com

Dallas, TX - October 21, 2026

TEXAS CAPITAL BANCSHARES, INC. ANNOUNCES THIRD QUARTER 2026 RESULTS

Third quarter 2026 net income available to common stockholders of $99.4 million

Record-level net interest income of $275.0 million

Record-level fee income(5), up 14% year-over-year

Capital ratios continue to be strong, achieving 12.2% CET1 and 14.8% Total Capital

“Third quarter results exemplify a steadily improving, and increasingly diversified earnings profile, supported by a business model intentionally built to be resilient to market and rate cycles,” said Rob C. Holmes, Chairman, President & CEO. “We continue to effectively serve and grow our client base, leveraging our unique capabilities to support sustained momentum across the platform, despite the challenging economic backdrop.”

3rd Quarter 2nd Quarter 3rd Quarter

(dollars in thousands except per share data) 2026 2026 2025

Summary Income Statement

Net interest income $ 274,983  $ 260,377  $ 271,771

Non-interest income 81,643  75,118  68,583

Total revenue 356,626  335,495  340,354

Non-interest expense 203,924  205,493  190,575

Pre-provision net revenue(1)

$ 152,702  $ 130,002  $ 149,779

Provision for credit losses $ 17,000  $ 18,000  $ 12,000

Net income available to common stockholders $ 99,392  $ 80,636  $ 100,897

Non-interest expense, adjusted(2)

$ 199,581  $ 202,772  $ 190,575

Pre-provision net revenue, adjusted(1)(2)

157,045  132,723  149,779

Net income available to common stockholders, adjusted(2)

102,700  82,698  100,897

Key Metrics

Diluted earnings per common share $ 2.28  $ 1.83  $ 2.18

Diluted earnings per common share, adjusted(2)

$ 2.35  $ 1.88  $ 2.18

Return on average assets 1.25  % 1.03  % 1.30  %

Return on average assets, adjusted(2)

1.29  % 1.06  % 1.30  %

Return on average common equity 11.57  % 9.56  % 12.04  %

Return on average common equity, adjusted(2)

11.95  % 9.80  % 12.04  %

Efficiency ratio(3)

57.2  % 61.3  % 56.0  %

Efficiency ratio, adjusted(2)(3)

56.0  % 60.4  % 56.0  %

Net interest margin 3.44  % 3.28  % 3.47  %

Book value per share $ 75.13  $ 77.01  $ 73.05

Tangible book value per share(4)

$ 75.09  $ 76.98  $ 73.02

Common Equity Tier 1 ratio

12.2  % 12.1  % 12.1  %

Balance Sheet

Total assets $ 32,345,107  $ 33,913,361  $ 32,536,980

Loans held for investment 18,641,301  18,563,845  18,134,059

Loans held for investment, mortgage finance 5,441,689  6,383,381  6,057,804

Total deposits 27,715,655  28,911,388  27,505,398

Stockholders’ equity 3,487,590  3,647,707  3,637,098

(1)    Net interest income plus non-interest income, less non-interest expense.

(2)    These adjusted measures are non-GAAP measures. Please refer to “GAAP to Non-GAAP Reconciliations” for the computations of these adjusted measures and the reconciliation of these non-GAAP measures to the most directly comparable GAAP measure.

(3)    Non-interest expense divided by the sum of net interest income and non-interest income.

(4)    Stockholders’ equity excluding preferred stock, less goodwill and intangibles, divided by shares outstanding at period end.

(5)    Includes service charges on deposit accounts, wealth management and trust fee income, investment banking and advisory fees and trading income.

THIRD QUARTER 2026 COMPARED TO SECOND QUARTER 2026

For the third quarter of 2026, Texas Capital Bancshares, Inc. (the “Company”) reported net income available to common stockholders of $99.4 million, or $2.28 per diluted share, compared to $80.6 million, or $1.83 per diluted share, for the second quarter of 2026.

Provision for credit losses for the third quarter of 2026 was $17.0 million, compared to $18.0 million for the second quarter of 2026. The $17.0 million provision for credit losses recorded in the third quarter of 2026 resulted primarily from an increase in criticized loans and $14.5 million in net charge-offs.

Net interest income increased to $275.0 million for the third quarter of 2026, compared to $260.4 million for the second quarter of 2026, primarily due to an increase in average earning asset yields and decreases in short-term and long-term borrowings, partially offset by an increase in funding costs. Net interest margin for the third quarter of 2026 was 3.44%, an increase of 16 basis points from the second quarter of 2026. Loans held for investment (“LHI”), excluding mortgage finance, yields increased 14 basis points from the second quarter of 2026 and LHI, mortgage finance, yields increased 10 basis points from the second quarter of 2026. Total cost of deposits was 2.45% for the third quarter of 2026, a 5 basis point increase from the second quarter of 2026.

Non-interest income for the third quarter of 2026 increased $6.5 million compared to the second quarter of 2026 primarily due to increases in investment banking and advisory fees and other non-interest income.

Non-interest expense for the third quarter of 2026 decreased $1.6 million compared to the second quarter of 2026, primarily due to decreases in salaries and benefits, legal and professional and other non-interest expense, partially offset by an increase in communications and technology expense primarily resulting from restructuring expenses recognized in the third quarter of 2026.

THIRD QUARTER 2026 COMPARED TO THIRD QUARTER 2025

Net income available to common stockholders was $99.4 million, or $2.28 per diluted share, for the third quarter of 2026, compared to $100.9 million, or $2.18 per diluted share, for the third quarter of 2025.

The third quarter of 2026 included a $17.0 million provision for credit losses, reflecting a linked-quarter increase in criticized loans and $14.5 million in net charge-offs, compared to a $12.0 million provision for credit losses for the third quarter of 2025.

Net interest income increased to $275.0 million for the third quarter of 2026, compared to $271.8 million for the third quarter of 2025, primarily due to an increase in average earning assets and a decrease in funding costs, partially offset by a decrease in earning asset yields and an increase in average interest bearing deposits. Net interest margin decreased 3 basis points to 3.44% for the third quarter of 2026, as compared to the third quarter of 2025. LHI, excluding mortgage finance, yields decreased 19 basis points compared to the third quarter of 2025 and LHI, mortgage finance yields decreased 16 basis points from the third quarter of 2025. Total cost of deposits decreased 17 basis points to 2.45%, as compared to the third quarter of 2025.

Non-interest income for the third quarter of 2026 increased $13.1 million compared to the third quarter of 2025 primarily due to increases in service charges on deposit accounts, investment banking and advisory fees, trading income and other non-interest income.

Non-interest expense for the third quarter of 2026 increased $13.3 million compared to the third quarter of 2025, primarily due to increases in salaries and benefits, occupancy and communications and technology expense, primarily as a result of the restructuring expenses discussed above, as well as an increase in other non-interest expense.

CREDIT QUALITY

Net charge-offs of $14.5 million were recorded during the third quarter of 2026, compared to net charge-offs of $16.1 million and $13.7 million during the second quarter of 2026 and the third quarter of 2025, respectively. Criticized loans totaled $782.4 million at September 30, 2026, compared to $696.3 million at June 30, 2026 and $529.7 million at September 30, 2025. Non-accrual LHI totaled $122.3 million at September 30, 2026, compared to $124.0 million at June 30, 2026 and $96.1 million at September 30, 2025. The ratio of non-accrual LHI to total LHI for the third quarter of 2026 was 0.51%, compared to 0.50% for the second quarter of 2026 and 0.40% for the third quarter of 2025. The ratio of total allowance for credit losses to total LHI was 1.39% at September 30, 2026, compared to 1.34% and 1.37% at June 30, 2026 and September 30, 2025, respectively.

REGULATORY RATIOS AND CAPITAL

All regulatory ratios continue to be in excess of “well capitalized” requirements as of September 30, 2026. CET1, tier 1 capital, total capital and leverage ratios were 12.2%, 13.7%, 14.8% and 11.7%, respectively, at September 30, 2026, compared to 12.1%, 13.5%, 14.7% and 11.6%, respectively, at June 30, 2026 and 12.1%, 13.6%, 16.1% and 11.9%, respectively, at September 30, 2025. At September 30, 2026, the Company’s ratio of tangible common equity to total tangible assets was 9.9%, compared to 9.9% at June 30, 2026 and 10.3% at September 30, 2025.

During the third quarter of 2026, the Company repurchased 1,051,660 shares of its common stock for an aggregate purchase price, including excise tax expense, of $103.0 million, at a weighted average price of $96.99 per share.

Effective October 20, 2026, the Company’s board of directors authorized a new share repurchase program under which the Company may repurchase up to $200.0 million in shares of its outstanding common stock through October 31, 2027. Remaining repurchase authorization under the December 12, 2025 share repurchase program was terminated upon authorization of this new program.

PREFERRED AND COMMON DIVIDENDS

The Company’s board of directors declared a cash dividend of $14.375 per share of the 5.75% Fixed Rate Non-Cumulative Perpetual

2

Preferred Stock, Series B (the “Series B Preferred Stock”), equivalent to $0.359375 per depositary share, each representing a 1/40th interest in a share of the Series B Preferred Stock. The depositary shares are traded on the Texas Stock Exchange LLC (“TXSE”) under the symbol “TCBI PRB.” The dividend is payable on December 15, 2026, to holders of record at the close of business on December 1, 2026.

The Company’s board of directors declared a cash dividend of $0.20 per common share. The common shares are traded on the TXSE under the symbol “TCBI.” The dividend is payable on December 15, 2026, to holders of record at the close of business on December 1, 2026.

About Texas Capital Bancshares, Inc.

Texas Capital Bancshares, Inc. (TXSE®: TCBI), a member of the Russell 2000® Index and the S&P MidCap 400®, is the parent company of Texas Capital Bank (“TCB”). Texas Capital is the collective brand name for TCB and its separate, non-bank affiliates and wholly owned subsidiaries. Texas Capital is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs and individual customers. Founded in 1998, the institution is headquartered in Dallas with offices in Austin, Houston, San Antonio and Fort Worth, and has built a network of clients across the country. With the ability to service clients through their entire lifecycles, Texas Capital has established commercial banking, consumer banking, investment banking and wealth management capabilities. All services are subject to applicable laws, regulations and service terms. Deposit and lending products and services are offered by TCB. For deposit products, member FDIC. For more information, please visit www.texascapital.com.

Forward-Looking Statements

This communication contains “forward-looking statements” within the meaning of and pursuant to the Private Securities Litigation Reform Act of 1995 regarding, among other things, TCBI’s financial condition, results of operations, business plans and future performance. These statements are not historical in nature and may often be identified by the use of words such as “believes,” “projects,” “expects,” “may,” “estimates,” “should,” “plans,” “targets,” “intends,” “could,” “would,” “anticipates,” “potential,” “confident,” “optimistic” or the negative thereof, or other variations thereon, or comparable terminology, or by discussions of strategy, objectives, estimates, trends, guidance, expectations and future plans.

Because forward-looking statements relate to future results and occurrences, they are subject to inherent and various uncertainties, risks, and changes in circumstances that are difficult to predict, may change over time, are based on management’s expectations and assumptions at the time the statements are made and are not guarantees of future results. Numerous risks and other factors, many of which are beyond management’s control, could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. While there can be no assurance that any list of risks is complete, important risks and other factors that could cause actual results to differ materially from those contemplated by forward-looking statements include, but are not limited to: economic or business conditions in Texas, the United States or globally that impact TCBI or its customers; negative credit quality developments arising from the foregoing or other factors, including trade policies, geopolitical conflicts, inflation, including increased energy costs, unemployment rates and interest rates; TCBI’s ability to innovate, to anticipate the needs of our current and future customers and to manage increased or expanded competition from banks and other financial service providers in TCBI’s markets; TCBI’s ability to effectively manage its liquidity and maintain adequate regulatory capital to support its businesses; TCBI’s ability to pursue and execute upon growth plans, whether as a function of capital, liquidity or other limitations; TCBI’s ability to successfully execute its business strategy, including its strategic plan and developing and executing new lines of business, products and services; risks related to potential strategic acquisitions, including the risk that TCBI may not be able to consummate acquisitions on favorable terms, if at all, and the risk that TCBI may not realize the anticipated benefits from acquisitions; the extensive regulations to which TCBI is subject and its ability to comply with applicable governmental regulations, including legislative and regulatory changes; TCBI’s ability to effectively manage information technology systems, including third-party vendors, cyber or data privacy incidents or other failures, outages, disruptions or security breaches; TCBI’s ability to use technology to provide products and services to its customers; risks related to the development and use of artificial intelligence; changes in interest rates, including the impact of interest rates on TCBI’s securities portfolio and funding costs, as well as related balance sheet implications stemming from the fair value of our assets and liabilities; the effectiveness of TCBI’s risk management processes, strategies and monitoring; fluctuations in commercial and residential real estate values, especially as they relate to the value of collateral supporting TCBI’s loans; TCBI’s ability to manage any unexpected outflows of uninsured deposits and avoid selling investment securities or other assets at an unfavorable time or at a loss; adverse developments in the banking industry and the potential impact of such developments on customer confidence, liquidity and regulatory responses to these developments, including in the context of regulatory examinations and related findings and actions; negative press and social media attention with respect to the banking industry or TCBI, in particular; claims, litigation or regulatory investigations and actions that TCBI may become subject to; the failure to identify, attract and retain key personnel and other employees and to engage in adequate succession planning; the transfer of the listing of TCBI’s securities to TXSE, a newly operational exchange, and its effect on the trading market, liquidity and price of TCBI’s securities; severe weather, natural disasters, climate change, acts of war, terrorism, global or other geopolitical conflicts, or other external events, as well as related legislative and regulatory initiatives; and the risks and factors more fully described in TCBI’s most recent Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and other documents and filings with the Securities and Exchange Commission. The information contained in this communication speaks only as of its date. Except to the extent required by applicable law or regulation, we disclaim any obligation to update such factors or to publicly announce the results of any revisions to any of the forward-looking statements included herein to reflect future events or developments.

3

TEXAS CAPITAL BANCSHARES, INC.

SELECTED FINANCIAL HIGHLIGHTS (UNAUDITED)

(dollars in thousands except per share data)

3rd Quarter 2nd Quarter 1st Quarter 4th Quarter 3rd Quarter

2026 2026 2026 2025 2025

CONSOLIDATED STATEMENTS OF INCOME

Interest income $ 457,160  $ 439,930  $ 419,094  $ 444,314  $ 460,615

Interest expense 182,177  179,553  164,375  176,877  188,844

Net interest income 274,983  260,377  254,719  267,437  271,771

Provision for credit losses 17,000  18,000  16,000  11,000  12,000

Net interest income after provision for credit losses 257,983  242,377  238,719  256,437  259,771

Non-interest income 81,643  75,118  69,266  60,046  68,583

Non-interest expense 203,924  205,493  213,568  184,198  190,575

Income before income taxes 135,702  112,002  94,417  132,285  137,779

Income tax expense 31,997  27,054  20,629  31,626  32,569

Net income 103,705  84,948  73,788  100,659  105,210

Preferred stock dividends 4,313  4,312  4,313  4,312  4,313

Net income available to common stockholders $ 99,392  $ 80,636  $ 69,475  $ 96,347  $ 100,897

Diluted earnings per common share $ 2.28  $ 1.83  $ 1.56  $ 2.12  $ 2.18

Diluted common shares 43,614,271  44,062,419  44,601,129  45,509,370  46,233,167

CONSOLIDATED BALANCE SHEET DATA

Total assets $ 32,345,107  $ 33,913,361  $ 33,486,484  $ 31,540,274  $ 32,536,980

Loans held for investment 18,641,301  18,563,845  18,217,976  17,976,183  18,134,059

Loans held for investment, mortgage finance 5,441,689  6,383,381  6,961,686  6,064,019  6,057,804

Loans held for sale 28,676  —  21,333  4,361  —

Interest bearing cash and cash equivalents 2,479,073  3,488,756  2,702,183  1,897,803  2,852,387

Debt and equity securities

4,810,743  4,564,584  4,673,355  4,723,099  4,601,654

Non-interest bearing deposits 7,006,314  7,573,788  7,634,618  6,959,097  7,689,598

Total deposits 27,715,655  28,911,388  28,516,688  26,448,767  27,505,398

Short-term borrowings —  350,000  —  330,000  275,000

Long-term debt 487,270  500,859  878,293  620,575  620,416

Stockholders’ equity 3,487,590  3,647,707  3,606,207  3,631,382  3,637,098

End of period shares outstanding 42,429,657  43,470,167  43,671,305  44,253,688  45,679,863

Book value per share $ 75.13  $ 77.01  $ 75.71  $ 75.28  $ 73.05

Tangible book value per share(1)

$ 75.09  $ 76.98  $ 75.67  $ 75.25  $ 73.02

SELECTED FINANCIAL RATIOS

Net interest margin 3.44  % 3.28  % 3.43  % 3.38  % 3.47  %

Return on average assets 1.25  % 1.03  % 0.95  % 1.22  % 1.30  %

Return on average assets, adjusted(4)

1.29  % 1.06  % 0.97  % 1.20  % 1.30  %

Return on average common equity 11.57  % 9.56  % 8.35  % 11.18  % 12.04  %

Return on average common equity, adjusted(4)

11.95  % 9.80  % 8.48  % 10.98  % 12.04  %

Efficiency ratio(2)

57.2  % 61.3  % 65.9  % 56.2  % 56.0  %

Efficiency ratio, adjusted(2)(4)

56.0  % 60.4  % 65.5  % 56.9  % 56.0  %

Non-interest income to average earning assets 1.02  % 0.95  % 0.93  % 0.76  % 0.88  %

Non-interest expense to average earning assets 2.55  % 2.59  % 2.87  % 2.33  % 2.44  %

Non-interest expense to average earning assets, adjusted(4)

2.49  % 2.55  % 2.85  % 2.35  % 2.44  %

Common equity to total assets 9.9  % 9.9  % 9.9  % 10.6  % 10.3  %

Tangible common equity to total tangible assets(3)

9.9  % 9.9  % 9.9  % 10.6  % 10.3  %

Common Equity Tier 1 ratio

12.2  % 12.1  % 12.0  % 12.1  % 12.1  %

Tier 1 capital ratio

13.7  % 13.5  % 13.4  % 13.6  % 13.6  %

Total capital ratio

14.8  % 14.7  % 15.9  % 16.1  % 16.1  %

Leverage ratio

11.7  % 11.6  % 12.1  % 11.7  % 11.9  %

(1)    Stockholders’ equity excluding preferred stock, less goodwill and intangibles, divided by shares outstanding at period end.

(2)    Non-interest expense divided by the sum of net interest income and non-interest income.

(3)    Stockholders’ equity excluding preferred stock, less goodwill and intangibles, divided by total assets, less goodwill and intangibles.

(4)    These adjusted measures are non-GAAP measures. Please refer to “GAAP to Non-GAAP Reconciliations” for the computations of these adjusted measures and the reconciliation of these non-GAAP measures to the most directly comparable GAAP measure.

4

TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED BALANCE SHEETS (UNAUDITED)

(dollars in thousands)

September 30,

2026 June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025

Assets

Cash and due from banks $ 195,086  $ 209,512  $ 254,428  $ 201,315  $ 212,438

Interest bearing cash and cash equivalents 2,479,073  3,488,756  2,702,183  1,897,803  2,852,387

Available-for-sale debt securities 4,095,855  3,826,284  3,913,855  3,951,455  3,801,261

Held-to-maturity debt securities 672,881  692,332  709,594  725,722  743,120

Equity securities 42,007  43,429  42,024  41,998  55,054

Trading debt securities

—  2,539  7,882  3,924  2,219

Debt and equity securities

4,810,743  4,564,584  4,673,355  4,723,099  4,601,654

Loans held for sale 28,676  —  21,333  4,361  —

Loans held for investment, mortgage finance 5,441,689  6,383,381  6,961,686  6,064,019  6,057,804

Loans held for investment 18,641,301  18,563,845  18,217,976  17,976,183  18,134,059

Less: Allowance for credit losses on loans 270,333  268,268  270,441  270,557  274,026

Loans held for investment, net 23,812,657  24,678,958  24,909,221  23,769,645  23,917,837

Premises and equipment, net 89,012  91,852  85,698  88,003  88,348

Accrued interest receivable and other assets 928,364  878,203  838,770  854,552  862,820

Goodwill and intangibles, net 1,496  1,496  1,496  1,496  1,496

Total assets $ 32,345,107  $ 33,913,361  $ 33,486,484  $ 31,540,274  $ 32,536,980

Liabilities and Stockholders’ Equity

Liabilities:

Non-interest bearing deposits $ 7,006,314  $ 7,573,788  $ 7,634,618  $ 6,959,097  $ 7,689,598

Interest bearing deposits 20,709,341  21,337,600  20,882,070  19,489,670  19,815,800

Total deposits 27,715,655  28,911,388  28,516,688  26,448,767  27,505,398

Accrued interest payable 8,556  19,291  9,420  6,716  9,360

Other liabilities 646,036  484,116  475,876  502,834  489,708

Short-term borrowings —  350,000  —  330,000  275,000

Long-term debt 487,270  500,859  878,293  620,575  620,416

Total liabilities 28,857,517  30,265,654  29,880,277  27,908,892  28,899,882

Stockholders’ equity:

Preferred stock, $.01 par value, $1,000 liquidation value:

Authorized shares - 10,000,000

Issued shares(1)

300,000  300,000  300,000  300,000  300,000

Common stock, $.01 par value:

Authorized shares - 100,000,000

Issued shares(2)

520  520  520  518  518

Additional paid-in capital 1,086,246  1,082,419  1,077,139  1,074,496  1,069,582

Retained earnings 3,040,853  2,950,049  2,878,120  2,808,645  2,712,298

Treasury stock(3)

(689,410) (586,401) (562,833) (487,692) (361,076)

Accumulated other comprehensive loss, net of taxes (250,619) (98,880) (86,739) (64,585) (84,224)

Total stockholders’ equity 3,487,590  3,647,707  3,606,207  3,631,382  3,637,098

Total liabilities and stockholders’ equity $ 32,345,107  $ 33,913,361  $ 33,486,484  $ 31,540,274  $ 32,536,980

(1) Preferred stock - issued shares

300,000  300,000  300,000  300,000  300,000

(2) Common stock - issued shares

52,023,856  52,012,706  51,974,496  51,786,456  51,767,419

(3) Treasury stock - shares at cost

9,594,199  8,542,539  8,303,191  7,532,768  6,087,556

5

TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

(dollars in thousands except per share data)

3rd Quarter 2026 2nd Quarter 2026 1st Quarter 2026 4th Quarter

2025 3rd Quarter

2025 3rd Quarter YTD 2026 3rd Quarter YTD 2025

Interest income

Interest and fees on loans $ 379,297  $ 368,416  $ 348,020  $ 367,481  $ 379,017  $ 1,095,733  $ 1,077,525

Debt and equity securities

50,927  46,307  49,590  47,012  49,396  146,824  141,952

Interest bearing cash and cash equivalents 26,936  25,207  21,484  29,821  32,202  73,627  107,994

Total interest income 457,160  439,930  419,094  444,314  460,615  1,316,184  1,327,471

Interest expense

Deposits 174,517  167,027  153,904  167,259  180,779  495,448  530,513

Short-term borrowings 84  3,552  2,360  2,153  534  5,996  12,224

Long-term debt 7,576  8,974  8,111  7,465  7,531  24,661  23,534

Total interest expense 182,177  179,553  164,375  176,877  188,844  526,105  566,271

Net interest income 274,983  260,377  254,719  267,437  271,771  790,079  761,200

Provision for credit losses 17,000  18,000  16,000  11,000  12,000  51,000  44,000

Net interest income after provision for credit losses 257,983  242,377  238,719  256,437  259,771  739,079  717,200

Non-interest income

Service charges on deposit accounts 9,418  8,853  9,223  8,411  8,111  27,494  24,133

Wealth management and trust fee income 4,562  5,136  4,388  4,216  3,989  14,086  11,683

Brokered loan fees 2,075  2,103  2,006  2,467  2,419  6,184  6,766

Investment banking and advisory fees 35,294  31,522  32,016  30,015  33,985  98,832  74,572

Trading income 11,417  11,313  10,251  6,020  7,238  32,981  21,073

Available-for-sale debt securities gains/(losses), net —  —  —  —  —  —  (1,886)

Other 18,877  16,191  11,382  8,917  12,841  46,450  30,755

Total non-interest income 81,643  75,118  69,266  60,046  68,583  226,027  167,096

Non-interest expense

Salaries and benefits 121,625 123,339 139,347 108,851 119,856  384,311 371,651

Occupancy expense 13,230 12,359 12,405 12,803 11,828  37,994 34,816

Marketing 4,266  4,786  4,972  5,404  3,412  14,024  12,045

Legal and professional 12,000 14,700 11,980 11,580 12,474  38,680 38,532

Communications and technology 32,029 28,494 27,172 26,303 24,594  87,695 72,550

Federal Deposit Insurance Corporation insurance assessment 5,234 4,586 4,877 2,276 5,198  14,697 15,635

Other 15,540 17,229 12,815 16,981 13,213  45,584 38,642

Total non-interest expense 203,924 205,493 213,568 184,198 190,575 622,985 583,871

Income before income taxes 135,702  112,002  94,417  132,285  137,779  342,121  300,425

Income tax expense 31,997  27,054  20,629  31,626  32,569  79,680  70,840

Net income 103,705  84,948  73,788  100,659  105,210  262,441  229,585

Preferred stock dividends 4,313 4,312 4,313 4,312 4,313  12,938 12,938

Net income available to common stockholders $ 99,392  $ 80,636  $ 69,475  $ 96,347  $ 100,897  $ 249,503  $ 216,647

Basic earnings per common share $ 2.30  $ 1.85  $ 1.58  $ 2.14  $ 2.21  $ 5.72  $ 4.72

Diluted earnings per common share $ 2.28  $ 1.83  $ 1.56  $ 2.12  $ 2.18  $ 5.66  $ 4.67

6

TEXAS CAPITAL BANCSHARES, INC.

SUMMARY OF CREDIT LOSS EXPERIENCE

(dollars in thousands)

3rd Quarter 2nd Quarter 1st Quarter 4th Quarter 3rd Quarter

2026 2026 2026 2025 2025

Allowance for credit losses on loans:

Beginning balance $ 268,268  $ 270,441  $ 270,557  $ 274,026  $ 277,648

Loans charged-off:

Commercial 14,851  9,998  17,489  14,417  13,794

Commercial real estate —  7,098  —  524  —

Total charge-offs 14,851  17,096  17,489  14,941  13,794

Recoveries:

Commercial 313  822  131  4,202  50

Commercial real estate —  184  —  —  —

Consumer —  7  —  12  4

Total recoveries 313  1,013  131  4,214  54

Net charge-offs 14,538  16,083  17,358  10,727  13,740

Provision for credit losses on loans 16,603  13,910  17,242  7,258  10,118

Ending balance $ 270,333  $ 268,268  $ 270,441  $ 270,557  $ 274,026

Allowance for off-balance sheet credit losses:

Beginning balance $ 65,103  $ 61,013  $ 62,255  $ 58,513  $ 56,631

Provision for off-balance sheet credit losses 397  4,090  (1,242) 3,742  1,882

Ending balance $ 65,500  $ 65,103  $ 61,013  $ 62,255  $ 58,513

Total allowance for credit losses $ 335,833  $ 333,371  $ 331,454  $ 332,812  $ 332,539

Total provision for credit losses $ 17,000  $ 18,000  $ 16,000  $ 11,000  $ 12,000

Allowance for credit losses on loans to total loans held for investment 1.12  % 1.08  % 1.07  % 1.13  % 1.13  %

Allowance for credit losses on loans to average total loans held for investment 1.10  % 1.08  % 1.16  % 1.12  % 1.15  %

Net charge-offs to average total loans held for investment(1)

0.24  % 0.26  % 0.30  % 0.18  % 0.23  %

Net charge-offs to average total loans held for investment for last 12 months(1)

0.24  % 0.24  % 0.23  % 0.20  % 0.21  %

Total provision for credit losses to average total loans held for investment(1)

0.27  % 0.29  % 0.28  % 0.18  % 0.20  %

Total allowance for credit losses to total loans held for investment

1.39  % 1.34  % 1.32  % 1.38  % 1.37  %

(1)Interim period ratios are annualized.

7

TEXAS CAPITAL BANCSHARES, INC.

NON-PERFORMING ASSETS, PAST DUE LOANS AND CRITICIZED LOANS

(dollars in thousands)

3rd Quarter 2nd Quarter 1st Quarter 4th Quarter 3rd Quarter

2026 2026 2026 2025

2025

NON-PERFORMING ASSETS

Non-accrual loans held for investment $ 122,337  $ 123,981  $ 144,947  $ 116,880  $ 96,084

Non-accrual loans held for sale(1)

—  —  21,333  4,361  —

Other real estate owned —  —  —  —  —

Total non-performing assets $ 122,337  $ 123,981  $ 166,280  $ 121,241  $ 96,084

Non-accrual loans held for investment to total loans held for investment 0.51  % 0.50  % 0.58  % 0.49  % 0.40  %

Total non-performing assets to total assets 0.38  % 0.37  % 0.50  % 0.38  % 0.30  %

Allowance for credit losses on loans to non-accrual loans held for investment 2.2x 2.2x 1.9x 2.3x 2.9x

Total allowance for credit losses to non-accrual loans held for investment 2.7x 2.7x 2.3x 2.8x 3.5x

LOANS PAST DUE

Loans held for investment past due 90 days and still accruing

$ 53,207  $ 451  $ 18,030  $ 19,353  $ 126

Loans held for investment past due 90 days to total loans held for investment 0.22  % —  % 0.07  % 0.08  % —  %

Loans held for sale past due 90 days and still accruing

$ —  $ —  $ —  $ —  $ —

CRITICIZED LOANS

Criticized loans $ 782,408  $ 696,326  $ 650,615  $ 634,919  $ 529,732

Criticized loans to total loans held for investment 3.25  % 2.79  % 2.58  % 2.64  % 2.19  %

Special mention loans $ 526,290  $ 479,341  $ 366,422  $ 346,643  $ 249,592

Special mention loans to total loans held for investment 2.19  % 1.92  % 1.46  % 1.44  % 1.03  %

(1)First quarter 2026 and fourth quarter 2025 includes non-accrual loans previously reported in loans held for investment that were transferred at fair value to held for sale as of March 31, 2026 and December 31, 2025, respectively.

8

TEXAS CAPITAL BANCSHARES, INC.

TAXABLE EQUIVALENT NET INTEREST INCOME ANALYSIS (UNAUDITED)(1)

(dollars in thousands)

3rd Quarter 2026 2nd Quarter 2026 3rd Quarter 2025 YTD September 30, 2026 YTD September 30, 2025

Average

Balance Income/

Expense Yield/

Rate Average

Balance Income/

Expense Yield/

Rate Average

Balance Income/

Expense Yield/

Rate Average

Balance Income/

Expense Yield/

Rate Average

Balance Income/

Expense Yield/

Rate

Assets

Debt and equity securities(2)

$ 4,582,191  $ 50,936  4.31  % $ 4,544,249  $ 46,317  4.03  % $ 4,635,066  $ 49,401  4.14  % $ 4,587,108  $ 146,851  4.22  % $ 4,557,996  $ 141,965  4.05  %

Interest bearing cash and cash equivalents 2,905,372  26,936  3.68  % 2,777,654  25,207  3.64  % 2,920,102  32,202  4.38  % 2,702,628  73,627  3.64  % 3,274,086  107,994  4.41  %

Loans held for sale(3)

11,434  213  7.39  % 3,080  4  0.54  % —  —  —  % 5,901  217  4.92  % 110  2  2.97  %

Loans held for investment, mortgage finance 5,769,930  60,493  4.16  % 6,309,596  63,862  4.06  % 5,472,467  59,604  4.32  % 5,774,820  175,928  4.07  % 4,929,539  156,838  4.25  %

Loans held for investment(3)

18,759,118  319,511  6.76  % 18,490,750  305,403  6.62  % 18,253,451  319,921  6.95  % 18,476,249  922,266  6.67  % 17,935,710  922,154  6.87  %

Less: Allowance for credit losses on loans

267,448  —  —  % 271,925  —  —  277,385  —  —  % 269,261  —  —  276,076  —  —

Loans held for investment, net 24,261,600  380,004  6.21  % 24,528,421  369,265  6.04  % 23,448,533  379,525  6.42  % 23,981,808  1,098,194  6.12  % 22,589,173  1,078,992  6.39  %

Total earning assets 31,760,597  458,089  5.70  % 31,853,404  440,793  5.54  % 31,003,701  461,128  5.88  % 31,277,445  1,318,889  5.63  % 30,421,365  1,328,953  5.82  %

Cash and other assets 1,171,805  1,190,251  1,159,008  1,178,643  1,144,443

Total assets $ 32,932,402  $ 33,043,655  $ 32,162,709  $ 32,456,088  $ 31,565,808

Liabilities and Stockholders’ Equity

Transaction deposits $ 3,830,036  $ 27,428  2.84  % $ 2,762,965  $ 16,865  2.45  % $ 2,251,217  $ 13,987  2.46  % $ 3,070,779  $ 59,273  2.58  % $ 2,209,490  $ 41,626  2.52  %

Savings deposits 14,159,289  123,103  3.45  % 13,902,996  118,592  3.42  % 14,650,152  143,327  3.88  % 14,070,148  360,390  3.42  % 13,916,232  411,176  3.95  %

Time deposits 2,396,968  23,986  3.97  % 3,172,354  31,570  3.99  % 2,158,228  23,465  4.31  % 2,531,404  75,785  4.00  % 2,282,419  77,711  4.55  %

Total interest bearing deposits 20,386,293  174,517  3.40  % 19,838,315  167,027  3.38  % 19,059,597  180,779  3.76  % 19,672,331  495,448  3.37  % 18,408,141  530,513  3.85  %

Short-term borrowings 8,804  84  3.75  % 378,022  3,552  3.77  % 44,022  534  4.82  % 214,026  5,996  3.75  % 364,641  12,224  4.48  %

Long-term debt 497,635  7,576  6.04  % 642,689  8,974  5.60  % 620,348  7,531  4.82  % 604,715  24,661  5.45  % 643,274  23,534  4.89  %

Total interest bearing liabilities 20,892,732  182,177  3.46  % 20,859,026  179,553  3.45  % 19,723,967  188,844  3.80  % 20,491,072  526,105  3.43  % 19,416,056  566,271  3.90  %

Non-interest bearing deposits 7,875,652  8,058,149  8,351,524  7,809,264  8,141,135

Other liabilities 454,891  442,543  463,034  466,648  496,644

Stockholders’ equity 3,709,127  3,683,937  3,624,184  3,689,104  3,511,973

Total liabilities and stockholders’ equity $ 32,932,402  $ 33,043,655  $ 32,162,709  $ 32,456,088  $ 31,565,808

Net interest income

$ 275,912  $ 261,240  $ 272,284  $ 792,784  $ 762,682

Net interest margin 3.44  % 3.28  % 3.47  % 3.38  % 3.34  %

(1)    Taxable equivalent rates used where applicable.

(2)    Yields are calculated using available-for-sale debt securities at amortized cost.

(3)    Average balances include non-accrual loans.

9

GAAP TO NON-GAAP RECONCILIATIONS

The following items are non-GAAP financial measures: adjusted non-interest expense, adjusted income tax expense, adjusted net income, adjusted net income available to common stockholders, adjusted pre-provision net revenue (“PPNR”), adjusted diluted earnings per common share, adjusted return on average assets, adjusted return on average common equity, adjusted efficiency ratio, adjusted non-interest income to average earning assets and adjusted non-interest expense to average earning assets. These are not measures recognized under GAAP and therefore are considered non-GAAP financial measures. The table below provides a reconciliation of these non-GAAP financial measures to the most directly comparable GAAP measures.

These non-GAAP financial measures are adjusted for certain items, listed below, that management believes are non-operating in nature and not representative of its actual operating performance. Management believes that these non-GAAP financial measures provide meaningful additional information about the Company to assist management and investors in evaluating operating results, financial strength, business performance and capital position. Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. As such, these non-GAAP financial measures should not be considered in isolation or as a substitute for analyses of operating results or capital position as reported under GAAP.

Reconciliation of Non-GAAP Financial Measures

(dollars in thousands except per share data) 3rd Quarter

2026 2nd Quarter

2026 1st Quarter

2026 4th Quarter

2025 3rd Quarter

2025

Net interest income $ 274,983  $ 260,377  $ 254,719  $ 267,437  $ 271,771

Non-interest income 81,643  75,118  69,266  60,046  68,583

Total revenue 356,626  335,495  323,985  327,483  340,354

Non-interest expense 203,924  205,493  213,568  184,198  190,575

FDIC special assessment —  —  —  2,242  —

Restructuring expenses (4,343) (564) (1,401) —  —

Debt extinguishment expense —  (2,157) —  —  —

Non-interest expense, adjusted 199,581  202,772  212,167  186,440  190,575

Provision for credit losses 17,000  18,000  16,000  11,000  12,000

Income tax expense 31,997  27,054  20,629  31,626  32,569

Tax effect of adjustments 1,035  659  339  (526) —

Income tax expense, adjusted

33,032  27,713  20,968  31,100  32,569

Net income(1)

$ 103,705  $ 84,948  $ 73,788  $ 100,659  $ 105,210

Net income, adjusted(1)

$ 107,013  $ 87,010  $ 74,850  $ 98,943  $ 105,210

Preferred stock dividends 4,313  4,312  4,313  4,312  4,313

Net income available to common stockholders(2)

$ 99,392  $ 80,636  $ 69,475  $ 96,347  $ 100,897

Net income available to common stockholders, adjusted(2)

$ 102,700  $ 82,698  $ 70,537  $ 94,631  $ 100,897

PPNR(3)

$ 152,702  $ 130,002  $ 110,417  $ 143,285  $ 149,779

PPNR, adjusted(3)

$ 157,045  $ 132,723  $ 111,818  $ 141,043  $ 149,779

Weighted average common shares outstanding, diluted 43,614,271  44,062,419  44,601,129  45,509,370  46,233,167

Diluted earnings per common share $ 2.28  $ 1.83  $ 1.56  $ 2.12  $ 2.18

Diluted earnings per common share, adjusted $ 2.35  $ 1.88  $ 1.58  $ 2.08  $ 2.18

Average total assets $ 32,932,402  $ 33,043,655  $ 31,375,093  $ 32,606,318  $ 32,162,709

Return on average assets 1.25  % 1.03  % 0.95  % 1.22  % 1.30  %

Return on average assets, adjusted 1.29  % 1.06  % 0.97  % 1.20  % 1.30  %

Average common equity

$ 3,409,127  $ 3,383,937  $ 3,373,860  $ 3,419,967  $ 3,324,184

Return on average common equity 11.57  % 9.56  % 8.35  % 11.18  % 12.04  %

Return on average common equity, adjusted 11.95  % 9.80  % 8.48  % 10.98  % 12.04  %

Efficiency ratio(4)

57.2  % 61.3  % 65.9  % 56.2  % 56.0  %

Efficiency ratio, adjusted(4)

56.0  % 60.4  % 65.5  % 56.9  % 56.0  %

Average earning assets $ 31,760,597  $ 31,853,404  $ 30,201,198  $ 31,413,694  $ 31,003,701

Non-interest income to average earning assets 1.02  % 0.95  % 0.93  % 0.76  % 0.88  %

Non-interest income to average earning assets, adjusted 1.02  % 0.95  % 0.93  % 0.76  % 0.88  %

Non-interest expense to average earning assets 2.55  % 2.59  % 2.87  % 2.33  % 2.44  %

Non-interest expense to average earning assets, adjusted 2.49  % 2.55  % 2.85  % 2.35  % 2.44  %

(1)    Net interest income plus non-interest income, less non-interest expense, provision for credit losses and income tax expense. On an adjusted basis, net interest income plus non-interest income less non-interest expense, adjusted, provision for credit losses and income tax expense, adjusted.

(2)    Net income, less preferred stock dividends. On an adjusted basis, net income, adjusted, less preferred stock dividends.

(3)    Net interest income plus non-interest income, less non-interest expense. On an adjusted basis, net interest income plus non-interest income, less non-interest expense, adjusted.

(4)    Non-interest expense divided by the sum of net interest income and non-interest income. On an adjusted basis, non-interest expense, adjusted, divided by the sum of net interest income and non-interest income.

10

EX-99.2 — EX-99.2 EARNINGS PRESENTATION

EX-99.2

Filename: texascapitalq32026earnin.htm · Sequence: 3

texascapitalq32026earnin

© 2026 Texas Capital Bank Member FDIC October 21, 2026 Q3-2026 Earnings

2 Forward-Looking Statements This communication contains “forward-looking statements” within the meaning of and pursuant to the Private Securities Litigation Reform Act of 1995 regarding, among other things, TCBI’s financial condition, results of operations, business plans and future performance. These statements are not historical in nature and may often be identified by the use of words such as “believes,” “projects,” “expects,” “may,” “estimates,” “should,” “plans,” “targets,” “intends,” “could,” “would,” “anticipates,” “potential,” “confident,” “optimistic” or the negative thereof, or other variations thereon, or comparable terminology, or by discussions of strategy, objectives, estimates, trends, guidance, expectations and future plans. Because forward-looking statements relate to future results and occurrences, they are subject to inherent and various uncertainties, risks, and changes in circumstances that are difficult to predict, may change over time, are based on management’s expectations and assumptions at the time the statements are made and are not guarantees of future results. Numerous risks and other factors, many of which are beyond management’s control, could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. While there can be no assurance that any list of risks is complete, important risks and other factors that could cause actual results to differ materially from those contemplated by forward- looking statements include, but are not limited to: economic or business conditions in Texas, the United States or globally that impact TCBI or its customers; negative credit quality developments arising from the foregoing or other factors, including trade policies, geopolitical conflicts, inflation, including increased energy costs, unemployment rates and interest rates; TCBI’s ability to innovate, to anticipate the needs of our current and future customers and to manage increased or expanded competition from banks and other financial service providers in TCBI’s markets; TCBI’s ability to effectively manage its liquidity and maintain adequate regulatory capital to support its businesses; TCBI’s ability to pursue and execute upon growth plans, whether as a function of capital, liquidity or other limitations; TCBI’s ability to successfully execute its business strategy, including its strategic plan and developing and executing new lines of business, products and services; risks related to potential strategic acquisitions, including the risk that TCBI may not be able to consummate acquisitions on favorable terms, if at all, and the risk that TCBI may not realize the anticipated benefits from acquisitions; the extensive regulations to which TCBI is subject and its ability to comply with applicable governmental regulations, including legislative and regulatory changes; TCBI’s ability to effectively manage information technology systems, including third-party vendors, cyber or data privacy incidents or other failures, outages, disruptions or security breaches; TCBI’s ability to use technology to provide products and services to its customers; risks related to the development and use of artificial intelligence; changes in interest rates, including the impact of interest rates on TCBI’s securities portfolio and funding costs, as well as related balance sheet implications stemming from the fair value of our assets and liabilities; the effectiveness of TCBI’s risk management processes, strategies and monitoring; fluctuations in commercial and residential real estate values, especially as they relate to the value of collateral supporting TCBI’s loans; TCBI’s ability to manage any unexpected outflows of uninsured deposits and avoid selling investment securities or other assets at an unfavorable time or at a loss; adverse developments in the banking industry and the potential impact of such developments on customer confidence, liquidity and regulatory responses to these developments, including in the context of regulatory examinations and related findings and actions; negative press and social media attention with respect to the banking industry or TCBI, in particular; claims, litigation or regulatory investigations and actions that TCBI may become subject to; the failure to identify, attract and retain key personnel and other employees and to engage in adequate succession planning; the transfer of the listing of TCBI’s securities to TXSE, a newly operational exchange, and its effect on the trading market, liquidity and price of TCBI’s securities; severe weather, natural disasters, climate change, acts of war, terrorism, global or other geopolitical conflicts, or other external events, as well as related legislative and regulatory initiatives; and the risks and factors more fully described in TCBI’s most recent Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and other documents and filings with the Securities and Exchange Commission. The information contained in this communication speaks only as of its date. Except to the extent required by applicable law or regulation, we disclaim any obligation to update such factors or to publicly announce the results of any revisions to any of the forward-looking statements included herein to reflect future events or developments.

3 Q3 2026 Highlights (Compared to Q3 20251) GAAP $99.4 -$1.5 or -1% Adjusted2 $102.7 +$1.8 or +2% GAAP $152.7 +$2.9 or +2% Adjusted2 $157.0 +$7.3 or +5% Investment Banking, Private Wealth, and Treasury Product Fees5 $64.1 +$7.8 or +14% Book Value per Share $75.13 +$2.08 or 3% Tangible Book Value per Share6 $75.09 +$2.07 or 3% Credit Quality Balance Sheet & Capital Financial Results 3.44% -3bps ◼ Adjusted earnings per share2 grew $0.17, or 8%, YoY to $2.35 ◼ Sustained YoY operating leverage for the 9th consecutive quarter with adjusted PPNR2, 3 increasing $7.3mm, or 5% ◼ Fee income from areas of focus increased $7.8mm, or 14%, YoY to $64.1mm, driven by record fee income across investment banking and trading and treasury product fees5 ◼ Average commercial loan balances increased $580mm, or 5%, QoQ and $1.5bn, or 12%, YoY ◼ Average non-interest bearing deposits, excluding mortgage finance increased $134mm, or 4%, QoQ and $250mm, or 7%, YoY ◼ Tangible book value per share6 grew 3% YoY to $75.09 ◼ Total ACL as a percentage of LHI of 1.39% and 1.78% when excluding mortgage finance ◼ Quarterly net charge-offs totaled $14.5mm, or 24bps, of average LHI ◼ Total non-performing assets remain stable at 0.38% of total assets while migration trends continued as expected Net Income to Common ($mm) Net Interest Margin Capital Fee Income From Areas of Focus ($mm) Book Value per Share Common Equity / Total Assets 9.85% -41bps Tangible Common Equity / Tangible Assets4 9.85% -40bps PPNR3 ($mm) $2.28 +$0.10 or 5% 1.25% -5bps 11.6% -47bps 57.2% +119bps $2.35 +$0.17 or 8% 1.29% -1bps 12.0% -9bps 56.0% -3bps EPS ROAA ROACE Efficiency Ratio8 Q3 2026 Key Metrics GAAP Adjusted2 11.6% -48bps 12.0% -9bps ROATCE7 Record high in the history of the Firm

4 Non-GAAP2 Adjustments ($mm) 2025 YTD 2026 Non-Interest Income 227.1 226.0 Loss on AFS Securities Sale 1.9 0.0 Non-Interest Income, Adj. 229.0 226.0 Non-Interest Expense 768.1 623.0 Debt Extinguishment Expense 0.0 (2.2) FDIC Special Assessment 2.2 0.0 Restructuring Expenses (1.4) (6.3) Non-Interest Expense, Adj. 768.9 614.5 Financial Performance // Income Statement Financial Highlights ($mm) Adjusted (Non-GAAP2) Adjusted (Non-GAAP2) 2025 YTD 2026 2025 YTD 2026 Q3 2025 Q2 2026 Q3 2026 Q2 2026 Q3 2026 Net Interest Income 1,028.6 $790.1 1,028.6 $790.1 $271.8 $260.4 $275.0 $260.4 $275.0 Non-Interest Income 227.1 226.0 229.0 226.0 68.6 75.1 81.6 75.1 81.6 Total Revenue 1,255.8 1,016.1 1,257.7 1,016.1 340.4 335.5 356.6 335.5 356.6 Non-Interest Expense 768.1 623.0 768.9 614.5 190.6 205.5 203.9 202.8 199.6 PPNR3 487.7 393.1 488.8 401.6 149.8 130.0 152.7 132.7 157.0 Provision for Credit Losses 55.0 51.0 55.0 51.0 12.0 18.0 17.0 18.0 17.0 Income Tax Expense 102.5 79.7 102.7 81.7 32.6 27.1 32.0 27.7 33.0 Net Income 330.2 262.4 331.0 268.9 105.2 84.9 103.7 87.0 107.0 Preferred Stock Dividends 17.3 12.9 17.3 12.9 4.3 4.3 4.3 4.3 4.3 Net Income to Common 313.0 249.5 313.8 255.9 100.9 80.6 99.4 82.7 102.7 Performance Metrics 2025 YTD 2026 2025 YTD 2026 Q3 2025 Q2 2026 Q3 2026 Q2 2026 Q3 2026 Return on Average Assets 1.04% 1.08% 1.04% 1.11% 1.30% 1.03% 1.25% 1.06% 1.29% PPNR3 / Average Assets 1.53% 1.62% 1.54% 1.65% 1.85% 1.58% 1.84% 1.61% 1.89% Efficiency Ratio8 61.2% 61.3% 61.1% 60.5% 56.0% 61.3% 57.2% 60.4% 56.0% Return on Average Common Equity 9.6% 9.8% 9.6% 10.1% 12.0% 9.6% 11.6% 9.8% 12.0% Earnings Per Share $6.79 $5.66 $6.80 $5.81 $2.18 $1.83 $2.28 $1.88 $2.35 Non-GAAP2 Adjustments ($mm) Q2 2026 Q3 2026 Non-Interest Income 75.1 81.6 Loss on AFS Securities Sale 0.0 0.0 Non-Interest Income, Adj. 75.1 81.6 Non-Interest Expense 205.5 203.9 Debt Extinguishment Expense (2.2) 0.0 FDIC Special Assessment 0.0 0.0 Restructuring Expenses (0.6) (4.3) Non-Interest Expense, Adj. 202.8 199.6

5 Balance Sheet Highlights ($mm) Ending Balances Q3 2025 Q2 2026 Q3 2026 QoQ YoY Assets Cash and Equivalents 3,065 3,698 2,674 (28%) (13%) Debt & Equity Securities 4,602 4,565 4,811 5% 5% Commercial Loans 11,916 13,006 13,428 3% 13% CRE Loans 5,679 5,128 4,787 (7%) (16%) Consumer Loans 540 429 426 (1%) (21%) Mortgage Finance Loans 6,058 6,383 5,442 (15%) (10%) Total LHI 24,192 24,947 24,083 (3%) 0% Allowance for Credit Losses on Loans (274) (268) (270) 1% (1%) Total Assets 32,537 33,913 32,345 (5%) (1%) Financial Performance // Quarterly Balance Sheet Highlights Performance Metrics Q3 2025 Q2 2026 Q3 2026 Cash & Securities % of Assets 24% 24% 23% Commercial Loans % of Total LHI 49% 52% 56% Total Allowance for Credit Losses ($mm) (333) (333) (336) Total ACL / Total LHI 1.37% 1.34% 1.39% Q3 2025 Q2 2026 Q3 2026 QoQ YoY Liabilities Non-Interest Bearing Deposits 7,690 7,574 7,006 (7%) (9%) Interest Bearing Deposits 19,816 21,338 20,709 (3%) 5% Total Deposits 27,505 28,911 27,716 (4%) 1% Short-Term Borrowings 275 350 0 (100%) (100%) Total Liabilities 28,900 30,266 28,858 (5%) 0% Equity Common Equity, Excl. AOCI 3,421 3,447 3,438 0% 0% AOCI (84) (99) (251) 154% 199% Total Shareholders’ Equity 3,637 3,648 3,488 (4%) (4%) Common Shares Outstanding 45,679,863 43,470,167 42,429,657 (2%) (7%) Q3 2025 Q2 2026 Q3 2026 Total LHI % of Deposits 88% 86% 87% Non-Interest Bearing % of Deposits 28% 26% 25% Book Value Per Share $73.05 $77.01 $75.13 Tangible Book Value Per Share6 $73.02 $76.98 $75.09 Common Stock Dividend Per Share9 -- $0.20 $0.20

6 $5.4 $4.0 $5.3 $5.5 $5.9 $5.2 $6.3 $5.8 4% 15% 29% 54% 59% 67% 69% 76% $5.2 $4.7 $5.9 $6.1 $6.1 $7.0 $6.4 $5.4 $5.7 $5.4 $5.3 $5.1 $4.8 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 $11.9 $12.2 $12.5 $13.0 $13.4 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 ◼ Ending period commercial loans increased $422mm, or 3%, QoQ and $1.5bn, or 13%, YoY to $13.4bn ◼ Growth driven by continued success winning new client relationships across the Firm ◼ Commercial real estate loans declined $341mm to $4.8bn, or 7%, QoQ and 11% year to date ◼ Expectations for elevated payoff activity in the remainder of 2026 have moderated given the rate environment ◼ Average mortgage finance loans decreased 9% QoQ to $5.8bn; period end down $941mm to $5.4bn as overall mortgage market originations have contracted with the rise in mortgage rates ◼ Enhanced credit structures represented 76% of period end balances, compared to 54% in Q3 last year, resulting in a current blended risk weighting of 48% on mortgage finance loans ◼ Credits in the enhanced structures at quarter end carry a blended 31% risk weight ◼ Total LHI decreased $109mm YoY to $24.1bn, as continued commercial loan growth was offset by lower commercial real estate and mortgage finance balances Loan Portfolio Composition Mortgage Finance Loans ($bn) Commercial Loans ($bn) Commercial Real Estate Loans ($bn) Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Average Period End Enhanced Credit Structures % of Total Period End

7 2.62% 2.41% 2.38% 2.40% 2.45% 2.36% 2.18% 2.16% 2.21% 2.23% 3.76% 3.47% 3.32% 3.38% 3.40% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 $3.4 $3.5 $3.3 $3.5 $3.7 $3.4 $4.9 $5.0 $4.2 $4.5 $4.2 $3.6 $19.0 $19.1 $18.4 $18.0 $18.5 $19.0 $0.0 $0.0 $0.4 $1.9 $1.9 $1.7 $27.4 $27.6 $26.3 $27.9 $28.3 $27.7 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q3 2026 Q3 2026 EOP Deposit and Funding Composition ◼ Period end total deposit balances increased $210mm, or 1%, YoY and decreased $1.2bn, or 4%, QoQ ◼ Period end interest bearing brokered deposits declined $1.6bn, or 49%, QoQ ◼ Period end interest bearing deposits excluding brokered increased $1.0bn, or 6%, QoQ ◼ Average non-interest bearing deposits, excl. MF10 deposits increased $134mm, or 4%, QoQ and $250mm, or 7%, YoY ◼ Ending non-interest bearing deposits, excl. MF10 decreased $228mm QoQ, but remain up $319mm, or 10%, since Q3 2025 ◼ Average MF10 non-interest bearing deposits declined $726mm YoY to $4.2bn, representing 73% of average mortgage finance loans in Q3 2026 compared to 90% in Q3 2025 ◼ The majority of MF10 non-interest bearing deposits are compensated through relationship pricing which results in application of an interest credit to either the client’s mortgage finance or commercial loan yield ◼ Average cost of interest bearing deposits increased by 2bps QoQ to 3.40% Average Deposit Trends ($bn) Mortgage Finance Self Funding Ratio Funding Costs Avg Cost of Total Deposits Total Cost of Funds Avg Cost of Int. Bearing Deposits Non-Interest Bearing, Excl. MF10 MF10 Non-Interest Bearing Interest Bearing Interest Bearing Brokered Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 YoY Change Average MF10 Non-Interest Bearing Deposits ($bn) $4.9 $5.0 $4.2 $4.5 $4.2 ($0.7) Average MF10 Loans ($bn) $5.5 $5.9 $5.2 $6.3 $5.8 $0.3 MF10 Self Funding Ratio 90% 85% 80% 71% 73% (17%)

8 (10.8%) (8.8%) (5.8%) (4.3%) 2.6% 1.7% 5.1% 3.4% (10.0%) (8.0%) (6.0%) (4.0%) (2.0%) 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% Q2 2026 Q3 2026 -200bps Shock -100bps Shock +100bps Shock +200bps Shock Net Interest Income Sensitivity Standard Model Assumptions11 100bp & 200bp Parallel Shocks ◼ Loan Balances: Static ◼ Deposit Balances: Static ◼ Loan Spreads: Current Levels ◼ Up Scenario Int. Bearing Deposit Beta: ~80% ◼ Down Scenario Int. Bearing Deposit Beta: ~65% ◼ Investment Portfolio: Ratio held constant Net Interest Income Sensitivity – Static Balance Sheet ($mm) Base NII12 $1,050mm $1,153mm Q2 2026 Q3 2026 Balance ($mm) Yield Balance ($mm) Yield Interest Bearing Cash and Equivalents $2,778 3.64% $2,905 3.68% Debt & Equity Securities 4,544 4.03% 4,582 4.31% Loans Held for Sale 3 0.54% 11 7.39% LHI Excl. Mortgage Finance LHI 18,491 6.62% 18,759 6.76% Mortgage Finance LHI 6,310 4.06% 5,770 4.16% ACL on Loans (272) -- (267) -- Earning Assets $31,853 5.54% $31,761 5.70% ◼ 94% of LHI excl. mortgage finance LHI is variable rate ◼ $1.1bn of loans are fixed rate with 15% maturing or repricing in the next 12 months ◼ During Q3 added $600mm of 2 year receive-fixed swaps with a weighted avg receive rate of 4.16% against 1-mo SOFR ◼ In October added $200mm of 2 year receive-fixed swaps with a receive rate of 4.72% against 1-mo SOFR Impacts of Mortgage Finance ◼ Mortgage finance LHI represents 24% of the average total LHI portfolio with the majority tied to 1-month SOFR ◼ The average SOFR rate for the quarter increased by 9bps compared to last quarter ◼ Given the current outlook and observed seasonality, the average mortgage finance self funding ratio is expected to be between 80% - 85% in the medium term ◼ Firm’s overall net interest income sensitivity (per the chart above) is inclusive of mortgage finance NII impact on a flat balance sheet and does not account for changes in mortgage finance loan volumes in either a lower or higher rate environment $53 $27 ($60) ($113) $39$20 ($50) ($102) Average Notional Balance ($bn) Receive Rate Q3 2026 2.9 3.59% Q4 2026 3.2 3.65% Q1 2027 3.2 3.65% Q2 2027 3.2 3.65% Q3 2027 3.0 3.63% Q4 2027 2.5 3.65% Q1 2028 1.8 3.76% Cash Flow Hedging Profile Earning Assets Profile (Average)

9 $260.4 $4.3 $5.3 ($5.6) $2.2 $4.6 $6.3 ($4.6) ($2.8) $4.9 $275.0 Q2 2026 Loans Excl MF Volume Loans Excl MF Yield MF Loan Volume MF Yield Loan Fees Investment Securities & Cash Interest Bearing Deposits Volume Interest Bearing Deposit Cost Borrowings Q3 2026 $119.9 $108.9 $137.9 $122.8 $121.3 $70.7 $77.6 $74.2 $80.0 $78.3 ($2.2) $1.4 $2.7 $4.3 $190.6 $184.2 $213.6 $205.5 $203.9 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 $271.8 $267.4 $254.7 $260.4 $275.0 $68.6 $60.0 $69.3 $75.1 $81.6 $340.4 $327.5 $324.0 $335.5 $356.6 3.47% 3.38% 3.43% 3.28% 3.44% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 63% 59% 64% 60% Q3-2026 Earnings Overview Net Interest Income ($mm) Total Revenue ($mm) Non-Interest Expense ($mm) 60% 10 10 10 10 38% 42% 35% Salaries & Benefits Other NIE Non-Recurring Items2Net Interest Income 37% 39% 1% 1% Non-Interest Income Net Interest Margin ◼ Net interest margin expanded 16bps QoQ to 3.44% as net interest income increased $14.6mm, with strong commercial loan growth and higher earning-asset yields more than offsetting lower MF10 volumes and higher deposit funding costs ◼ Non-interest income increased $13.0mm, or 19%, to $81.6mm compared to non- interest income in Q3 2025 ◼ Total revenue grew $21.0mm, or 6%, QoQ to $357mm ◼ Quarterly adjusted non-interest expense2 increased $9.0mm YoY to $199.6mm, reflecting sustained investments in client- facing capabilities (1%) 2% $190.6 $186.4 $212.2 $202.8 $199.6 Adj. Non-Interest Expense

10 $68.6 $60.0 $69.3 $75.1 $81.6 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 57% Investment Banking & Trading 6% Wealth 16% Treasury5 21% Other ◼ Non-interest income increased $13.0mm, or 19%, YoY to a record $81.6mm representing 23% of total revenue compared to 20% in Q3 2025 ◼ Fee income from areas of focus reached a record $64.1mm, as strengthened client partnerships continue translating into broad firm engagement ◼ Record investment banking and trading income of $46.7mm, with increased granularity across the entire platform ◼ Record treasury product fees5 of $12.9mm, with continued success onboarding and growing operating relationships ◼ Wealth management fees of $4.6mm, driven by AUM growth of 13% YoY Non-Interest Income Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 YoY Growth Assets Under Management13 ($bn) $4.2 $4.2 $4.4 $4.8 $4.8 13% Wealth Management & Trust Fee Income ($mm) $4.0 $4.2 $4.4 $5.1 $4.6 14% Treasury Product Fees5 ($mm) $11.1 $11.1 $12.1 $12.5 $12.9 16% Investment Banking & Trading Income ($mm) $41.2 $36.0 $42.3 $42.8 $46.7 13% Fee Income from Areas of Focus ($mm) $56.3 $51.3 $58.8 $60.5 $64.1 14% Non-Interest Income ($mm) % of Total Revenue 20% 18% 21% 22% 23% Non-Interest Income Composition

11 3.5x 2.7x 2.7x 1.37% 1.34% 1.39% 1.79% 1.78% 1.78% Q3 2025 Q2 2026 Q3 2026 0.30% 0.38% 0.50% 0.37% 0.38% 0.23% 0.18% 0.30% 0.26% 0.24% 2.19% 2.64% 2.58% 2.79% 3.25% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 91% 84% 70% 82% 84% 9% 16% 30% 18% 16% $280.1 $288.3 $284.2 $217.0 $256.1 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 51% 40% 29% 50% 59% 48% 60% 71% 50% 41% 1% $249.6 $346.6 $366.4 $479.3 $526.3 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Asset Quality Trends Allowance for Credit Loss Reserve Ratios Asset Quality Ratios Special Mention Composition ($mm) Substandard Composition ($mm) Net Charge-Offs ($mm) $13.7 $10.7 $17.4 $16.1 $14.5 Total ACL / Non- accrual Loans HFI ◼ Total ACL of $335.8mm ◼ Total ACL, excl. MF10 increased $2.2mm QoQ to $332.4mm ◼ Total ACL, excl. MF10 to LHI, excl. MF10 is in the top decile among Peers14 Total ACL to LHI ratio ◼ $14.5mm of quarterly net charge-offs, 0.24% of average LHI, primarily related to previously identified problem credits ◼ Quarterly provision expense as a percentage of average LHI of 27bps ◼ Quarterly provision expense as a percentage of average LHI excl. MF10 of 36bps ◼ Total non-performing assets of $122mm remain stable at 0.38% of total assets ◼ Total criticized LHI increased $86mm, or 12%, QoQ, to 3.25% of total LHI, in line with historical experience and provision expectations Commercial Mortgage Finance Real Estate ConsumerCommercial Mortgage Finance Real Estate Consumer Total ACL / LHI Total ACL, Excl. MF10 / LHI Excl. MF10 Q3 2025 Q2 2026 Q3 2026 Criticized / LHI NPAs / Total Assets NCOs / Avg. LHI

12 12.14% 12.13% 11.99% 12.07% 12.20% >11.00% 1.46% 1.47% 1.45% 1.44% 1.45% 2.50% 2.52% 2.49% 1.17% 1.19% 16.10% 16.12% 15.93% 14.68% 14.84% Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 2026 Guidance 73.02 75.25 75.67 76.98 75.09 73.05 75.28 75.71 77.01 75.13 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 10.25 10.56 9.87 9.87 9.8510.26 10.56 9.87 9.87 9.85 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Tangible Common Equity / Tangible Assets4 Common Equity / Total Assets 2026 Guidance Capital Position and Trends ◼ Regulatory capital ratios remain strong ◼ Total capital ratio of 14.84% and CET1 ratio of 12.20% ◼ Tangible common equity to tangible assets4 of 9.85%, an important characteristic of our financially resilient business model and a key metric as we manage the balance sheet through-cycle ◼ Tangible common equity to tangible assets4 in top quartile of peer group14 ◼ Tangible book value per share6 expanded $2.07, or 3%, YoY driven by income generated and lower outstanding shares, offset by repurchases and decline in AOCI ◼ Down $1.89 QoQ, primarily from a $152mm AOCI decline ◼ Repurchased 1.05 million shares for $103mm in Q3 2026 at approximately 126% of prior month tangible book value per share,6 exhausting the authorization ◼ New $200mm program authorized effective late Oct 2026 ◼ Quarterly common stock cash dividend of $0.20 declared and payable in Q4 Regulatory Capital Levels Tangible Common Equity / Tangible Assets4 (%) Period End AOCI ($mm) (84) (65) (87) (99) (251) AOCI per Share ($) (1.84) (1.46) (1.99) (2.27) (5.91) Peer14 Tangible Common Equity / Tangible Assets4 (%) 8.55 8.73 8.63 8.72 CET1 Tier 1 Capital Tier 2 Capital Tangible Book Value per Share6 Book Value per Share Tangible Book Value per Share6 ($)

13 Full Year 2025 Adjusted (Non-GAAP2) Full Year 2026 Guidance Total Revenue, Adjusted2 $1,257.7mm High single-digit % growth Non-Interest Expense, Adjusted2 $768.9mm Mid to high single-digit % growth Provision / Avg LHI, Excl. Mortgage Finance LHI 31bps 35bps - 40bps CET1 Ratio 12.13% >11% Full Year 2026 Guidance ◼ Forward curve15 assumes 25bps hike in December with an exit rate of 4.25% at year end 2026 ◼ Total revenue, adjusted2 revised up to high single-digit % growth, from mid to high single-digit % growth previously ◼ Non-interest expense, adjusted2 revised up to mid to high single-digit % growth, from mid single-digit % growth previously ◼ Tax rate expected to be approximately 25% for the full year in 2026 Guidance Commentary

14 1. Comparisons vs. Q3 2025 GAAP and adjusted metrics unless otherwise noted 2. See slide: Non-GAAP Reconciliation // Adjusted Earnings & Ratios 3. “PPNR” used as an abbreviation for Pre-Provision Net Revenue which is the sum of net interest income and non-interest income, less non-interest expense 4. Stockholders’ equity excluding preferred stock, less goodwill and intangibles, divided by total assets, less goodwill and intangibles 5. Includes service charges on deposit accounts, as well as fees related to our commercial card program, merchant transactions, and non-trading FX transactions, all of which are included in other non-interest income and totaled $3.0mm, $2.6mm, $2.9mm, $3.7mm, and $3.5mm for Q3 2025, Q4 2025, Q1 2026, Q2 2026, and Q3 2026 respectively 6. Stockholders’ equity excluding preferred stock, less goodwill and intangibles, divided by shares outstanding at period end 7. See slide: Non-GAAP Reconciliation // Return on Average Tangible Common Equity (ROATCE) 8. Non-interest expense divided by the sum of net interest income and non-interest income 9. Common stock cash dividend program initiated in Q2 2026 10. “MF” used as abbreviation for Mortgage Finance 11. Model assumptions are only for Q3 2026; See prior TCBI Earnings Materials for prior model assumptions 12. Baseline scenarios hold constant balances, market rates, and assumptions as of period end reporting 13. Assets Under Management includes non-discretionary brokerage assets that the Firm earns wealth management and trust fee income on 14. Major exchange traded US peer banks with $20-100bn in total assets, excluding PR headquartered banks and merger targets; Source: S&P Capital IQ Pro; peer data as of Q2 2026 15. Forward curve as of September 17, 2026 Appendix // Footnotes

15 Non-GAAP Reconciliation // Return on Average Tangible Common Equity (ROATCE) ROATCE is a non-GAAP financial measure. ROATCE represents the measure of net income available to common shareholders as a percentage of average tangible common equity. ROATCE is used by management in assessing financial performance and use of equity. A reconcilement of ROATCE to the most directly comparable U.S. GAAP measure, ROACE, for all periods is presented below. (1) See slide Non-GAAP Reconciliation // Adjusted Earnings & Ratios Q3 2025 Q3 2026 YoY Change ($mm, unless noted otherwise) As Reported Adjusted1 As Reported Adjusted1 As Reported Adjusted1 Net Income to Common $100.9 $100.9 $99.4 $102.7 ($1.5) $1.8 Average Common Equity $3,324.2 $3,324.2 $3,409.1 $3,409.1 $84.9 $84.9 Less: Average Goodwill & Intangibles 1.5 1.5 1.5 1.5 0.0 0.0 Average Tangible Common Equity $3,322.7 $3,322.7 $3,407.6 $3,407.6 $84.9 $84.9 ROACE 12.0% 12.0% 11.6% 12.0% (0.4%) 0.0% ROATCE 12.0% 12.0% 11.6% 12.0% (0.4%) 0.0%

16 Non-GAAP Reconciliation // Adjusted Earnings & Ratios ($mm, except per share) Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 YoY Change FY 2025 YTD 2026 Net Interest Income $271.8 $267.4 $254.7 $260.4 $275.0 $3.2 $1,028.6 $790.1 Non-Interest Income 68.6 60.0 69.3 75.1 81.6 13.0 227.1 226.0 Adjustments for Non-Recurring Items: Loss on AFS Debt Securities Sale - - - - - - 1.9 - Non-Interest Income, Adjusted 68.6 60.0 69.3 75.1 81.6 13.0 229.0 226.0 Total Revenue1 340.4 327.5 324.0 335.5 356.6 16.2 1,255.8 1,016.1 Total Revenue, Adjusted1 340.4 327.5 324.0 335.5 356.6 16.2 1,257.7 1,016.1 Non-Interest Expense 190.6 184.2 213.6 205.5 203.9 13.3 768.1 623.0 Adjustments: Debt Extinguishment Expense - - - (2.2) - - - (2.2) FDIC Special Assessment - 2.2 - - - - 2.2 - Restructuring Expense - - (1.4) (0.6) (4.3) (4.3) (1.4) (6.3) Non-Interest Expense, Adjusted 190.6 186.4 212.2 202.8 199.6 9.0 768.9 614.5 PPNR2 149.8 143.3 110.4 130.0 152.7 2.9 487.7 393.1 PPNR, Adjusted2 149.8 141.0 111.8 132.7 157.0 7.2 488.8 401.6 Provision for Credit Losses 12.0 11.0 16.0 18.0 17.0 5.0 55.0 51.0 Income Tax Expenses 32.6 31.6 20.6 27.1 32.0 (0.6) 102.5 79.7 Tax Impact of Adjustments Above - (0.5) 0.3 0.7 1.0 1.0 0.2 2.0 Income Tax Expenses, Adjusted 32.6 31.1 21.0 27.7 33.0 0.4 102.7 81.7 Net Income3 105.2 100.7 73.8 84.9 103.7 (1.5) 330.2 262.4 Net Income, Adjusted3 105.2 98.9 74.8 87.0 107.0 1.8 331.0 268.9 Preferred Stock Dividends 4.3 4.3 4.3 4.3 4.3 - 17.3 12.9 Net Income to Common4 100.9 96.3 69.5 80.6 99.4 (1.5) 313.0 249.5 Net Income to Common, Adjusted4 100.9 94.6 70.5 82.7 102.7 1.8 313.8 255.9 Average Assets $32,162.7 $32,606.3 $31,375.1 $33,043.7 $32,932.4 $769.7 $31,828.1 $32,456.1 Return on Average Assets 1.30% 1.22% 0.95% 1.03% 1.25% (0.05%) 1.04% 1.08% Return on Average Assets, Adjusted 1.30% 1.20% 0.97% 1.06% 1.29% (0.01%) 1.04% 1.11% PPNR2 / Average Assets 1.85% 1.74% 1.43% 1.58% 1.84% (0.01%) 1.53% 1.62% PPNR, Adjusted2 / Average Assets 1.85% 1.72% 1.45% 1.61% 1.89% 0.04% 1.54% 1.65% Average Common Equity $3,324.2 $3,420.0 $3,373.9 $3,383.9 $3,409.1 $84.9 $3,264.4 $3,389.1 Return on Average Common Equity 12.04% 11.18% 8.35% 9.56% 11.57% (0.47%) 9.59% 9.84% Return on Average Common Equity, Adjusted 12.04% 10.98% 8.48% 9.80% 11.95% (0.09%) 9.61% 10.10% Diluted Common Shares 46,233,167 45,509,370 44,601,129 44,062,419 43,614,271 (2,618,896) 46,127,375 44,065,967 Earnings per Share $2.18 $2.12 $1.56 $1.83 $2.28 $0.10 $6.79 $5.66 Earnings per Share, Adjusted $2.18 $2.08 $1.58 $1.88 $2.35 $0.17 $6.80 $5.81 Efficiency Ratio5 56.0% 56.2% 65.9% 61.3% 57.2% 1.19% 61.2% 61.3% Efficiency Ratio, Adjusted5 56.0% 56.9% 65.5% 60.4% 56.0% (0.03%) 61.1% 60.5% Adjusted line items are non-GAAP financial measures that management believes aid in the discussion of results. A reconcilement of these adjusted items to the most directly comparable U.S. GAAP measures for all periods is presented below. Periods not presented below did not have adjustments. 1. Net interest income plus non-interest income. On an adjusted basis, net interest income plus non- interest income, adjusted 2. Net interest income plus non-interest income, less non-interest expense. On an adjusted basis, net interest income plus non-interest income, adjusted, less non-interest expense, adjusted 3. Net interest income plus non-interest income, less non-interest expense, provision for credit losses and income tax expense. On an adjusted basis, net interest income plus non-interest income, adjusted, less non-interest expense, adjusted, provision for credit losses and income tax expense, adjusted 4. Net income, less preferred stock dividends. On an adjusted basis, net income, adjusted, less preferred stock dividends 5. Non-interest expense divided by the sum of net interest income and non-interest income. On an adjusted basis, non-interest expense, adjusted, divided by the sum of net interest income and noninterest income, adjusted

GRAPHIC

GRAPHIC

Filename: tcbicolorlogoforrelease.jpg · Sequence: 8

Binary file (15413 bytes)

Download tcbicolorlogoforrelease.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin001.jpg · Sequence: 9

Binary file (34043 bytes)

Download texascapitalq32026earnin001.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin002.jpg · Sequence: 10

Binary file (290609 bytes)

Download texascapitalq32026earnin002.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin003.jpg · Sequence: 11

Binary file (169922 bytes)

Download texascapitalq32026earnin003.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin004.jpg · Sequence: 12

Binary file (153287 bytes)

Download texascapitalq32026earnin004.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin005.jpg · Sequence: 13

Binary file (147672 bytes)

Download texascapitalq32026earnin005.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin006.jpg · Sequence: 14

Binary file (127001 bytes)

Download texascapitalq32026earnin006.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin007.jpg · Sequence: 15

Binary file (147744 bytes)

Download texascapitalq32026earnin007.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin008.jpg · Sequence: 16

Binary file (155940 bytes)

Download texascapitalq32026earnin008.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin009.jpg · Sequence: 17

Binary file (123560 bytes)

Download texascapitalq32026earnin009.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin010.jpg · Sequence: 18

Binary file (115825 bytes)

Download texascapitalq32026earnin010.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin011.jpg · Sequence: 19

Binary file (131044 bytes)

Download texascapitalq32026earnin011.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin012.jpg · Sequence: 20

Binary file (145941 bytes)

Download texascapitalq32026earnin012.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin013.jpg · Sequence: 21

Binary file (84760 bytes)

Download texascapitalq32026earnin013.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin014.jpg · Sequence: 22

Binary file (72703 bytes)

Download texascapitalq32026earnin014.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin015.jpg · Sequence: 23

Binary file (72388 bytes)

Download texascapitalq32026earnin015.jpg

GRAPHIC

GRAPHIC

Filename: texascapitalq32026earnin016.jpg · Sequence: 24

Binary file (151532 bytes)

Download texascapitalq32026earnin016.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 26

v3.26.3

Document And Entity Information Document

Oct. 21, 2026

Entity Information [Line Items]

Entity Registrant Name

TEXAS CAPITAL BANCSHARES INC/TX

Entity Emerging Growth Company

false

Entity Incorporation, State or Country Code

DE

Written Communications

false

Document Type

8-K

Document Period End Date

Oct. 21, 2026

Entity Address, Address Line One

2000 McKinney Avenue

Entity Address, Address Line Two

Suite 700

Entity Address, City or Town

Dallas

Entity Address, State or Province

TX

Entity Address, Postal Zip Code

75201

City Area Code

(214)

Local Phone Number

932-6600

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Entity File Number

001-34657

Entity Tax Identification Number

75-2679109

Entity Central Index Key

0001077428

Amendment Flag

false

Common Stock [Member]

Entity Information [Line Items]

Title of 12(b) Security

Common Stock, par value $0.01 per share

Trading Symbol

TCBI

Series B Preferred Stock

Entity Information [Line Items]

Title of 12(b) Security

Depositary Shares Each Representing a 1/40th Interest in a Share of 5.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series B

Trading Symbol

TCBI PRB

X

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Address Line 2 such as Street or Suite number

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine2

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

na

Period Type:

duration

X

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

No definition available.

+ Details

Name:

dei_EntityInformationLineItems

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Details

Name:

us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember

Namespace Prefix:

Data Type:

na

Balance Type:

Period Type:

X

- Details

Name:

us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember

Namespace Prefix:

Data Type:

na

Balance Type:

Period Type: