{"schema_version":"secwatch.filing_event.v1","accession":"0001077428-21-000115","form_type":"8-K","ticker":"TCBI","cik":"0001077428","company_name":"TEXAS CAPITAL BANCSHARES INC/TX","filed_at":"2021-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:04:11.391328+00:00","generated_at":"2026-06-28T19:31:52.276019+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Texas Capital Q3 EPS $0.76, down 41% linked quarter; $12M software write-off","bullets":["Net income $43.4M ($0.76 diluted EPS) vs $73.5M ($1.31) in Q2 2021, down 41% linked quarter.","Recorded $12.0M write-off of software assets to reposition technology investment for long-term strategy.","Provision for credit losses of $5.0M vs negative provision $19.0M in Q2; criticized loans improved to $728.9M from $891.6M.","Net interest margin 2.15%, up 5 bps; total deposits up 3% linked quarter; demand deposits up 5%.","Non-interest income fell 30% linked quarter due to sale of MSR portfolio and transition of mortgage program."],"urls":{"canonical":"https://secwatch.observer/filing/0001077428-21-000115","json":"https://secwatch.observer/filing/0001077428-21-000115.json","markdown":"https://secwatch.observer/filing/0001077428-21-000115.md","text":"https://secwatch.observer/filing/0001077428-21-000115.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1077428/000107742821000115/0001077428-21-000115-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1077428/000107742821000115/tcbi-20211020.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T19:31:52.276019+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}