{"schema_version":"secwatch.filing_event.v1","accession":"0001077428-22-000006","form_type":"8-K","ticker":"TCBI","cik":"0001077428","company_name":"TEXAS CAPITAL BANCSHARES INC/TX","filed_at":"2022-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:04:05.349591+00:00","generated_at":"2026-06-27T16:43:40.123964+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Texas Capital Q4 net income $65.1M ($1.19 EPS); full year EPS $4.60 vs $1.12; credit improves","bullets":["Q4 2021 net income $65.1M ($1.19 diluted EPS), vs $43.4M ($0.76) Q3 and $60.2M ($1.14) Q4 2020.","Full year 2021 net income $253.9M ($4.60 EPS) vs $66.3M ($1.12 EPS) in 2020.","Recorded $10.0M provision release (negative provision) as criticized loans fell to $582.9M from $728.9M Q3.","Net interest margin 2.12%, down 10bps YoY; net interest income $194M vs $213.2M in Q4 2020.","Capital ratios improved: CET1 11.1%, TCE/TA 8.3%; all ratios well above 'well-capitalized' levels."],"urls":{"canonical":"https://secwatch.observer/filing/0001077428-22-000006","json":"https://secwatch.observer/filing/0001077428-22-000006.json","markdown":"https://secwatch.observer/filing/0001077428-22-000006.md","text":"https://secwatch.observer/filing/0001077428-22-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1077428/000107742822000006/0001077428-22-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1077428/000107742822000006/tcbi-20220120.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T16:43:40.123964+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"}