Texas Capital Bancshares, Inc. · NASDAQ:TCBI
Texas Capital Bancshares — Q3 2026 Earnings Presentation
16 slides from Texas Capital Bancshares's earnings presentation, Oct 21, 2026
Slide 1: Q3-2026 Earnings
Q3-2026 Earnings October 21, 2026 © 2026 Texas Capital Bank Member FDIC
Slide 2: Forward-Looking Statements
Forward-Looking Statements This communication contains “forward-looking statements” within the meaning of and pursuant to the Private Securities Litigation Reform Act of 1995 regarding, among other things, TCBI’s financial condition, results of operations, business plans and future performance. Thes
Slide 3: Q3 2026 Highlights (Compared to Q3 2025)
Q3 2026 Highlights (Compared to Q3 2025 ) 1 Record high in the history of the Firm Net Income to Common ($mm) PPNR3 ($mm) Capital Common Equity / Total Tangible Common Equity / GAAP Adjusted2 GAAP Adjusted2 Assets Tangible Assets4 $99.4 $102.7 $152.7 $157.0 9.85% 9.85% -$1.5 or -1% +$1.8 or +2% +$2.
Slide 4: Financial Performance // Income Statement
Financial Performance // Income Statement Adjusted Adjusted Non-GAAP2 Adjustments 2025 YTD 2026 (Non-GAAP2) (Non-GAAP2) ($mm) Financial Highlights ($mm) 2025 YTD 2026 2025 YTD 2026 Q3 2025 Q2 2026 Q3 2026 Q2 2026 Q3 2026 Non-Interest Income 227.1 226.0 Loss on AFS Securities Sale 1.9 0.0 Net Interes
Slide 5: Financial Performance // Quarterly Balance Sheet Highlights
Financial Performance // Quarterly Balance Sheet Highlights Balance Sheet Highlights ($mm) Ending Balances Q3 2025 Q2 2026 Q3 2026 QoQ YoY Q3 2025 Q2 2026 Q3 2026 QoQ YoY Assets Liabilities Cash and Equivalents 3,065 3,698 2,674 (28%) (13%) Non-Interest Bearing Deposits 7,690 7,574 7,006 (7%) (9%) D
Slide 6: Loan Portfolio Composition
Loan Portfolio Composition Commercial Loans ($bn) Commercial Real Estate Loans ($bn) ◼ Ending period commercial loans increased $422mm, or 3%, QoQ and $1.5bn, or 13%, YoY to $13.4bn ◼ Growth driven by continued success $13.0 $13.4 winning new client relationships $12.2 $12.5 $11.9 across the Firm ◼
Slide 7: Deposit and Funding Composition
Deposit and Funding Composition Average Deposit Trends ($bn) Q3 2026 EOP ◼ Period end total deposit balances increased $210mm, or 1%, YoY and $27.4 $27.6 $27.9 $28.3 $27.7 $26.3 decreased $1.2bn, or 4%, QoQ $0.0 $0.0 $1.9 ◼ Period end interest bearing brokered $0.4 $1.9 $1.7 deposits declined $1.6bn
Slide 8: Net Interest Income Sensitivity
Net Interest Income Sensitivity Net Interest Income Sensitivity – Static Balance Sheet ($mm) ◼ 94% of LHI excl. mortgage finance LHI is Standard Model Assumptions11 variable rate 100bp & 200bp Parallel Shocks 10.0% 8.0% $53 ◼ $1.1bn of loans are fixed rate with 6.0% $20 $39 ◼ Loan Balances: Static 4
Slide 9: Q3-2026 Earnings Overview
Q3-2026 Earnings Overview Net Interest Income ($mm) ◼ Net interest margin expanded 16bps QoQ $5.3 $2.2 $4.6 $6.3 $4.9 to 3.44% as net interest income increased $4.3 ($4.6) $14.6mm, with strong commercial loan ($5.6) ($2.8) growth and higher earning-asset yields more than offsetting lower MF10 volume
Slide 10: Non-Interest Income
Non-Interest Income Non-Interest Income ($mm) Non-Interest Income Composition % of Total Revenue 6% 20% 18% 21% 22% 23% Wealth 16% Treasury5 $81.6 57% $68.6 $69.3 $75.1 Investment $60.0 21% Banking & Other Trading Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 YoY ◼ Non-interest income increased $13.0mm, o
Slide 11: Asset Quality Trends
Asset Quality Trends Allowance for Credit Loss Reserve Ratios Asset Quality Ratios ◼ Total ACL of $335.8mm Criticized / LHI 3.25% 2.79% ◼ Total ACL, excl. MF10 increased $2.2mm NPAs / Total Assets 2.64% 2.58% QoQ to $332.4mm 1.79% 1.78% 1.78% NCOs / Avg. LHI 2.19% ◼ Total ACL, excl. MF10 to LHI, exc
Slide 12: Capital Position and Trends
Capital Position and Trends Regulatory Capital Levels ◼ Regulatory capital ratios remain strong 2026 Guidance 16.10% 16.12% 15.93% 14.84% ◼ Total capital ratio of 14.84% and 14.68% 1.19% CET1 ratio of 12.20% 2.50% 2.52% 1.17% 2.49% 1.46% 1.47% 1.45% 1.44% 1.45% ◼ Tangible common equity to tangible a
Slide 13: Full Year 2026 Guidance
Full Year 2026 Guidance Full Year 2025 Full Year 2026 Guidance Commentary Adjusted (Non-GAAP2) Guidance ◼ Forward curve15 assumes 25bps hike in December with an exit rate of 4.25% at Total Revenue, Adjusted2 $1,257.7mm High single-digit % growth year end 2026 ◼ Total revenue, adjusted2 revised up to
Slide 14: Appendix // Footnotes
Appendix // Footnotes 1. Comparisons vs. Q3 2025 GAAP and adjusted metrics unless otherwise noted 2. See slide: Non-GAAP Reconciliation // Adjusted Earnings & Ratios 3. “PPNR” used as an abbreviation for Pre-Provision Net Revenue which is the sum of net interest income and non-interest income, less
Slide 15: Non-GAAP Reconciliation // Return on Average Tangible Common Equity (ROATCE)
Non-GAAP Reconciliation // Return on Average Tangible Common Equity (ROATCE) ROATCE is a non-GAAP financial measure. ROATCE represents the measure of net income available to common shareholders as a percentage of average tangible common equity. ROATCE is used by management in assessing financial per
Slide 16: Non-GAAP Reconciliation // Adjusted Earnings & Ratios
Non-GAAP Reconciliation // Adjusted Earnings & Ratios ($mm, except per share) Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 YoY Change FY 2025 YTD 2026 Adjusted line items are non-GAAP financial measures that management believes aid in the discussion of Net Interest Income $271.8 $267.4 $254.7 $260.4 $275
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