Texas Capital Bank

What sets Texas Capital Bank apart

How large is Texas Capital Bank?

The balance sheet of Texas Capital Bank at Q2 2026: assets $33.6 bn, deposits $29.4 bn, net loans $24.7 bn (loans equal to 84.01% of deposits). Securities make up 13.5% of total assets at Texas Capital Bank. Since Q1 2016, when Texas Capital Bank held $20.2 bn, its assets grew 66.4%. In the year to Q2 2026, deposits at Texas Capital Bank rose 10.7% while its total assets rose 6.3%. At Q2 2026, Texas Capital Bank employed 1,743 full-time equivalent staff across 10 offices, about $19.3 mn of assets per employee and $2.9 bn of deposits per office.

How much funding at Texas Capital Bank is uninsured?

At Texas Capital Bank, uninsured deposits (above the FDIC limit) made up 37.66% of domestic deposits at Q2 2026 (-3.42 pp on a year earlier); Texas Capital Bank ranks 222nd of 500 on this measure. In dollars, Texas Capital Bank estimated $11.1 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Texas Capital Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Texas Capital Bank stood at 12.35% in Q2 2026, +0.54 pp year on year. Low and high at Texas Capital Bank since Q1 2016: 7.73% (Q2 2016) to 14.01% (Q4 2023). Equity capital of Texas Capital Bank at Q2 2026: $3.4 bn, or 10.1% of total assets. Texas Capital Bank also reported a total capital ratio of 13.53% for Q2 2026, and a tier 1 leverage ratio of 10.67%.

On held-to-maturity securities, Texas Capital Bank carried an unrealized loss of $75.5 mn at Q2 2026, equal to 2.2% of equity capital. The loss narrowed by $11.7 mn over the year. Its deepest point: $150.1 mn in Q3 2023. The available-for-sale portfolio of Texas Capital Bank showed an unrealized loss of $72.5 mn at Q2 2026; the loss narrowed by $28.0 mn over the year.

For the year to Q2 2026, Texas Capital Bank earned a return on equity of 9.55%; return on assets: 1.03%. Net interest margin at Texas Capital Bank: 3.35%, +0.03 pp in a year. Texas Capital Bank net income: $168.4 mn, up 25.9% year on year. The efficiency ratio of Texas Capital Bank was 59.29%: about 59 cents cost per revenue dollar, against 58 cents at the median peer.

At Q2 2026, noncurrent loans were 0.50% of total loans at Texas Capital Bank; net charge-offs: 0.27% of average loans. Gross loans and leases at Texas Capital Bank: $24.9 bn, up 4.3% in a year.

The peer group of Texas Capital Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Texas Capital Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Texas. Against them, Texas Capital Bank shows CET1 ratio 12.35% against a peer median of 13.02%, return on equity 9.55% against a peer median of 9.46% and uninsured deposit share 37.66% against a peer median of 36.13%.

No merger or acquisition by Texas Capital Bank appears in the FDIC history since Q1 2016, and its total assets never moved more than 25% in one quarter.