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Texas Capital Bancshares (TCBI) investor relations material
Texas Capital Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Achieved record net income of $105.2 million and diluted EPS of $2.18 in Q3 2025, with ROAA at 1.30% and ROAE at 12.04%, surpassing transformation targets and reversing prior year losses.
Book value and tangible book value per share reached record highs of $73.05 and $73.02, respectively.
Transformation since 2021 focused on building a resilient, scalable platform, reducing reliance on high-cost deposits and loan growth, and driving industry-leading fee income and balance sheet resilience.
Achieved structurally higher, more sustainable earnings with lower annual variability, driven by disciplined client engagement and expanded banking capabilities.
Treasury Solutions and investment banking platforms now drive significant non-interest income and client engagement.
Financial highlights
Net interest income for Q3 2025 was $271.8 million, up $18.4 million quarter-over-quarter and $31.7 million year-over-year, with net interest margin expanding to 3.47%.
Adjusted pre-provision net revenue reached a record $149.8 million, and non-interest income for Q3 2025 was $68.6 million, up significantly year-over-year.
Non-interest expense was $190.6 million, stable sequentially and down $4.7 million year-over-year.
Net income to common up 36% year-over-year; EPS up 37% year-over-year.
Total assets grew to $32.5 billion, up 2% sequentially and 3% year-over-year.
Outlook and guidance
Reaffirmed full-year 2025 revenue guidance of low double-digit percent growth and mid single-digit percent growth in adjusted non-interest expense.
CET1 ratio target remains above 11%, with provision/average LHI (excluding mortgage finance) guidance unchanged at 30–35bps.
Q4 net interest income expected at $255M–$260M, NIM around 3.3%; Q4 non-interest income expected at $60M–$65M, with $35M–$40M from investment banking.
Tax rate expected to be approximately 24% for 2025.
Management remains committed to long-term value creation and continued execution of strategic initiatives.
Analyze fee income growth drivers for Q3 2025
Evaluate changes in deposit costs and funding mix
Assess the trend in net charge-offs vs. criticized loans
Post-ROAA target, what are next strategic goals?
M&A strategy given 'yellow' status and capital?
NII outlook with expected future rate cuts?
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Next Texas Capital Bancshares earnings date
Q4 202523 Jan, 2026
Next Texas Capital Bancshares earnings date
Q4 202523 Jan, 2026
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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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