---
schema_version: "secwatch.filing_event.v1"
accession: "0001077428-22-000100"
form_type: "8-K"
ticker: "TCBI"
cik: "0001077428"
company_name: "TEXAS CAPITAL BANCSHARES INC/TX"
filed_at: "2022-07-21T23:59:59+00:00"
generated_at: "2026-06-24T09:49:35.693452+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Texas Capital Q2 EPS $0.59 vs $1.31 YoY; net income down 54%; loans up 11% QoQ

## Summary
- Net income available to common $29.8M ($0.59 diluted EPS) vs $67.2M ($1.31) in Q2 2021 and $35.3M ($0.69) in Q1 2022.
- Total loans held for investment rose $2.4B (11%) linked quarter to $24.1B; net interest margin expanded 45bps to 2.68%.
- Pre-Provision Net Revenue grew $16.7M (33%) QoQ; non-interest income up 29% driven by investment banking and trading.
- Recorded $22M provision for credit losses (vs negative $2M in Q1) primarily from loan growth; net charge-offs $2.6M.
- Repurchased 941,879 shares for $50M at average $53.11; CET1 ratio 10.5%; all regulatory ratios 'well capitalized'.

## SEC filing metadata
- accession: 0001077428-22-000100
- form_type: 8-K
- ticker: TCBI
- cik: 0001077428
- company_name: TEXAS CAPITAL BANCSHARES INC/TX
- filed_at: 2022-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1077428/000107742822000100/0001077428-22-000100-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1077428/000107742822000100/tcbi-20220721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001077428-22-000100
- JSON: https://secwatch.observer/filing/0001077428-22-000100.json
- Plain text: https://secwatch.observer/filing/0001077428-22-000100.txt

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