---
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"
generated_at: "2026-06-27T16:43:40.123964+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Texas Capital Q4 net income $65.1M ($1.19 EPS); full year EPS $4.60 vs $1.12; credit improves

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001077428-22-000006
- JSON: https://secwatch.observer/filing/0001077428-22-000006.json
- Plain text: https://secwatch.observer/filing/0001077428-22-000006.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.