Texas Capital Bancshares, Inc. · NASDAQ:TCBI
Texas Capital Bancshares — Investor Presentation (November 2025)
13 slides from Texas Capital Bancshares's investor presentation, Nov 3, 2025
Slide 1: Annual Governance Discussion Materials
© 2025 Texas Capital Bank Member FDIC November 2025 Annual Governance Discussion Materials
Slide 2: Forward-Looking Statements
2 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, Texas Capital Bancshares, Inc.’s (TCBI or Texas Capital or the Firm) financial condition, re
Slide 3: Foundational Tenants of Value Creation in Place
3 Foundational Tenants of Value Creation in Place Financial Priorities Described 9/1/2021 Building Tangible Book Value // Reinvesting organically generated capital to improve client relevance and create a more valuable franchise Investment // Re-aligning the expense base to directly support the busi
Slide 4: Year to Date Performance Highlights
4 Year to Date Performance Highlights Financial Performance (At and through 9/30/2025) $4.73 Adjusted Diluted EPS1 YoY increase of $1.72 9.1% Adjusted ROTCE1,2 YoY increase of 2.6% $219.2mm Adjusted Net Income to Common1 YoY increase of $77.5mm $3.6 Billion Stockholders’ Equity YoY increase of $0.3b
Slide 5: Where We Started and Targets Established in '21
5 Where We Started Targets Estab. in ’21 Where We Started Targets Estab. in ’21Income Statement FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 YTD 2025 Performance Metrics FY 2020 FY 2024 YTD 2025 Q1 2025 Q2 2025 Q3 2025 Investment Banking and Trading Income (% of Total Revenue) 2.2% 2.7% 2.9% 8.0% 13.6% 1
Slide 6: Executive Compensation Overview
6 16% 31% 53% 16% 84% Executive Compensation Overview Our Compensation philosophy drives pay-for-performance, appropriately balances risk, rewards the creation of stockholder value, and reinforces individual accountability through a robust performance management program and compensation forfeiture p
Slide 7: Stockholder Outreach and Responding to Stockholder Feedback
7 Contacted Holders Owning % Met With Holders Owning % Stockholder Outreach and Responding to Stockholder Feedback Stockholder Engagement Cycle FALL Meet with stockholders to get feedback on compensation practices, governance matters and other topics Selected Comments on 2024 Compensation WINTER Rev
Slide 8: Proxy Peer Group
8 Proxy Peer Group ◼ Each NEO has a base salary and total incentive compensation target (comprised of annual cash bonus and long-term equity targets), which are established by the Compensation Committee after careful consideration of market data from the Company’s Market Peer Group among other facto
Slide 9: Executive Leadership Team
9 David Oman* Chief Risk Officer Nancy McDonnell Head of Treasury Solutions Executive Leadership Team ◼ Serves as Chief Executive Officer, President, and a member of the Board of Directors of Texas Capital Bank and Texas Capital Bancshares, Inc. ◼ Joined Texas Capital Bank in January 2021 after 31 y
Slide 10: Experienced and Engaged Board of Directors
10 Robert W. Stallings* (Lead Independent Director) ◼ President & CEO, Stallings Capital Group, Inc. ◼ Committee Membership: Risk Experienced and Engaged Board of Directors Rob C. Holmes (Chairman) ◼ Chief Executive Officer, President and Director, Texas Capital Bancshares ◼ Committee Membership: No
Slide 11: Potential 2026 Annual Meeting Voting Items
11 Potential 2026 Annual Meeting Voting Items1 ◼ TCBI is headquartered in Texas; Texas Capital Bank is a Texas-chartered bank; ~95% of Firm employees are based in Texas ◼ Re-domestication to Texas would align the parent company’s legal home with our actual identity and where we do business ◼ When TC
Slide 12: Non-GAAP Reconciliation: Return on Average Tangible Common Equity (ROATCE)
12 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
Slide 13: Non-GAAP Reconciliation: Adjusted Earnings & Ratios
13 Non-GAAP Reconciliation // Adjusted Earnings & Ratios Adjusted line items are non-GAAP financial measures that management believes aids in the discussion of results. A reconcilement of these adjusted items to the most directly comparable U.S. GAAP measures for all periods is presented below. Peri
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