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Texas Capital Bancshares (TCBI) investor relations material
Texas Capital Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Net income available to common stockholders rose 95% year-over-year to $73.0–$75.5 million in Q2 2025, with EPS up 98%–104% and adjusted EPS reaching $1.63.
Achieved record tangible book value per share of $70.14, up 13% year-over-year and 3% sequentially.
Net interest income increased to $253.4 million, up 17% year-over-year, driven by loan growth and lower funding costs.
Strategic transformation and new client acquisition enhanced earnings power and positioned the firm for durable, through-cycle results.
Asset quality improved, with criticized loans down 26% year-over-year and special mention loans down 30% sequentially.
Financial highlights
Adjusted total revenue increased $42.3 million (16%) year-over-year; net interest margin improved to 3.35%, up 16–34 bps sequentially and year-over-year.
Adjusted pre-provision net revenue up 52% year-over-year to $120.5 million, a record since transformation began.
Total assets reached $31.9 billion at June 30, 2025, up from $30.7 billion at year-end 2024.
Loans held for investment grew to $23.9 billion, a $1.5 billion increase since December 2024.
Efficiency ratio improved to 61.1%–61.9% from 70.6%–72.4% year-over-year.
Outlook and guidance
Reaffirmed low double-digit percent revenue growth guidance for the full year 2025.
Adjusted non-interest expense outlook reduced to mid-to-high single-digit percent growth.
Provision/average LHI (excluding mortgage finance) expected at 30–35 bps.
CET1 ratio target remains above 11%; expects quarterly ROAA of 1.10% in the second half of 2025.
Management expects strong balance sheet and breadth of capabilities to support durable results.
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Next Texas Capital Bancshares earnings date
Q3 202522 Oct, 2025
Next Texas Capital Bancshares earnings date
Q3 202522 Oct, 2025
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Frequently asked questions
Texas Capital Bancshares, Inc. operates as the holding company for Texas Capital Bank, offering a variety of banking and financial services to businesses, entrepreneurs, and individuals. The bank provides deposit products such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending services include commercial loans, real estate loans, and consumer loans. Additionally, the bank offers treasury management, wealth management, and investment banking services tailored to its clients' needs. The company is headquartered in Dallas, Texas, and its shares are listed on the NASDAQ.
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