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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.
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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