TEXAS CAPITAL BANCSHARES INC/TX (TCBI) FY2025 10-K Annual Report
TEXAS CAPITAL BANCSHARES INC/TX (TCBI) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 10, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
TEXAS CAPITAL BANCSHARES INC/TX FY2025 10-K Analysis
Business Overview
- • Core business: full-service financial services firm serving businesses, entrepreneurs, individuals via Texas Capital Bank and broker-dealer Texas Capital Securities
- • Regulatory change: effective Sept 19, 2025, Texas Capital Bank joined Federal Reserve System, shifting primary federal regulation from FDIC to Federal Reserve
Management Discussion & Analysis
- • Revenue $1.26B (net interest $1.03B + non-interest $227M) in 2025, vs $932.3M in 2024; net interest income up $127.3M YoY
- • Operating margin proxy: net income $330.2M vs $77.5M with ROE 9.59% vs 2.04%, net interest margin improved 3.35% vs 3.03%
Risk Factors
- • Regulatory risk: Compliance with SEC guidance on critical accounting estimates impacting allowance for credit losses under ASC 326
- • Macroeconomic threat: Credit loss allowance could rise $108.7 million under most severe downside economic scenario as of December 31, 2025
TEXAS CAPITAL BANCSHARES INC/TX FY2025 Key Financial MetricsXBRL
Revenue
$1.8B
▲ +2.4% YoY
Net Income
$330M
▲ +326.1% YoY
Net Margin
18.6%
▲ +1416bp YoY
ROE
9.1%
▲ +679bp YoY
Total Assets
$31.5B
▲ +2.6% YoY
EPS (Diluted)
$6.79
▲ +430.5% YoY
Operating Cash Flow
$360M
▼ -25.1% YoY
Source: XBRL data from TEXAS CAPITAL BANCSHARES INC/TX FY2025 10-K filing on SEC EDGAR. All figures in USD.
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