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Sep 30, 2025
Texas Capital Bancshares Q3 2025 Earnings Report
Texas Capital Bancshares reported record net income and EPS for Q3 2025, driven by strong net interest income and improved efficiency.
Key Takeaways
In the third quarter of 2025, Texas Capital Bancshares achieved record net income of $105.2 million and EPS of $2.18, supported by a net interest income of $271.8 million and a strong efficiency ratio of 56.0%. Key capital ratios improved, with CET1 reaching 12.1% and total assets totaling $32.5 billion.
Record net income of $105.2 million and diluted EPS of $2.18.
Net interest income grew to $271.8 million, supported by increased asset yields.
Efficiency ratio improved to 56.0%, reflecting strong cost control.
Capital strength improved, with CET1 ratio rising to 12.1% and total capital to 16.1%.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Texas Capital expects continued strength in net interest income, supported by disciplined cost control and robust capital levels, though macroeconomic headwinds may persist.
Positive Outlook
- Strong capital ratios support future growth.
- Improved efficiency through cost management.
- Continued growth in net interest income.
- Stable asset quality and reduced criticized loans.
- Momentum in fee income from advisory and trading services.
Challenges Ahead
- Potential pressure from higher funding costs.
- Economic uncertainty could affect loan demand.
- Non-interest expenses remain elevated.
- Volatility in trading and investment income.
- Regulatory and compliance risks remain present.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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