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Dec 31, 2025
Texas Capital Bancshares Q4 2025 Earnings Report
Texas Capital Bancshares reported solid results with strong net income growth and improved profitability metrics.
Key Takeaways
Texas Capital Bancshares delivered a strong Q4 2025 with $96.3M in net income, boosted by higher net interest income and strong capital ratios, despite a decline in non-interest income from the previous quarter.
Net income rose to $96.3M, up from $66.7M in Q4 2024
EPS reached $2.12, with adjusted EPS at $2.08
Book value and tangible book value per share reached record highs
Authorized a new $200M share repurchase program effective through 2026
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Texas Capital Bancshares is well-positioned to leverage its platform and deliver sustained value following a strong close to 2025.
Positive Outlook
- Record-high book and tangible book value per share
- Strong capital position with CET1 at 12.1%
- Positive trend in return on average assets and equity
- Decline in deposit costs enhancing margin stability
- New $200M share repurchase program authorized
Challenges Ahead
- Non-interest income declined quarter-over-quarter
- Provision for credit losses remained elevated at $11M
- Criticized loans increased to $634.9M
- Net interest income slightly down vs. Q3
- Net charge-offs totaled $10.7M in the quarter
Historical Earnings Impact
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Avg. Return Before/After Earnings
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