Short answer
TEXAS CAPITAL BANCSHARES INC/TX (TCBI) filed its Q3 2025 10-Q quarterly report on Oct 23, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $461M (up 1.8% year over year) with net income of $105M.
Q3 2025 key financials · XBRL
- Revenue
- $461M
- +1.8% YoY · +4.8% QoQ
- Net income
- $105M
- +271.6% YoY · +36.1% QoQ
- EPS (diluted)
- $2.18
- +256.8% YoY · +38.9% QoQ
Source: XBRL data from the TEXAS CAPITAL BANCSHARES INC/TX (TCBI) Q3 2025 10-Q on SEC EDGAR. USD.
TEXAS CAPITAL BANCSHARES INC/TX Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $340.4M Q3 2025 vs ($355.9M) Q3 2024; Net income $105.2M Q3 2025 vs loss $61.3M Q3 2024
- Net interest margin 3.47% Q3 2025 vs 3.16% Q3 2024; ROE 12.04% vs (8.87)%; efficiency ratio 56.0% vs 155.8%
- Best segment: Loans held for investment grew $1.7B to $24.2B; Commercial loans largest at $12.0B, up from $11.1B Dec ‘24
- Non-interest income $68.6M Q3 2025 vs loss $114.8M Q3 2024 driven by reversal of prior securities loss, service charges, trading income
- Deposits increased to $26.7B at Sep 2025 from $24.7B Dec 2024; Interest bearing cash decreased to $2.85B; Provision for credit losses $12.0M Q3 2025 vs $10.0M prior year
- Management highlights improving profitability, expects continued loan growth and margin benefit from lower funding costs, but notes exposure to Texas economy and regulatory risks
Risk Factors
- New share repurchase program authorized January 22, 2025 for $200M, replacing prior $ program, with $59.2M repurchased YTD at $73.44 average price
- Updated allowance for credit losses could increase by $134.7M under most severe downside macroeconomic scenario, reflecting heightened economic uncertainty
- Compliance risk from ongoing adherence to securities laws in repurchase transactions, including discretion based on regulatory requirements and capital position
- Debt and capital structure actively managed via liability transactions, including repurchases or exchanges of subordinated notes to optimize maturity and interest costs
- Equity capital averaged $3.5B for nine months ended September 30, 2025, up from $3.2B YoY with no dividends planned affecting liquidity and capital allocation
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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