---
schema_version: "secwatch.filing_event.v1"
accession: "0001077428-23-000152"
form_type: "8-K"
ticker: "TCBI"
cik: "0001077428"
company_name: "TEXAS CAPITAL BANCSHARES INC/TX"
filed_at: "2023-07-20T23:59:59+00:00"
generated_at: "2026-06-13T05:22:23.846041+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Texas Capital Q2 net income $68.7M, diluted EPS $1.33 vs $0.59 YoY; NIM 3.29%

## Summary
- Net income available to common stockholders $64.3M ($1.33 diluted EPS) vs $29.8M ($0.59) in Q2 2022.
- Net interest income $232M, net interest margin 3.29% (+61 bps YoY); total cost of deposits 2.37%.
- Provision for credit losses $7M vs $28M in Q1 2023; net charge-offs $8.2M vs $19.9M.
- Non-accrual LHI ratio improved to 0.38% from 0.47% QoQ; CET1 ratio 12.2% (well-capitalized).
- Balance sheet: total deposits $23.3B, total LHI $21.3B; tangible common equity / tangible assets 9.6%.

## SEC filing metadata
- accession: 0001077428-23-000152
- form_type: 8-K
- ticker: TCBI
- cik: 0001077428
- company_name: TEXAS CAPITAL BANCSHARES INC/TX
- filed_at: 2023-07-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1077428/000107742823000152/0001077428-23-000152-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1077428/000107742823000152/tcbi-20230720.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001077428-23-000152
- JSON: https://secwatch.observer/filing/0001077428-23-000152.json
- Plain text: https://secwatch.observer/filing/0001077428-23-000152.txt

## Key facts
- Earnings Releases
  TEXAS CAPITAL BANCSHARES INC/TX reported the fiscal quarter ended June 30, 2023 results: net income $64.3 million, EPS $1.33 per diluted share.
  - Period: the fiscal quarter ended June 30, 2023
  - Net income: $64.3 million
  - EPS: $1.33 per diluted share
  - Result: reported results
  source text: Net income available to common stockholders was $64.3 million, or $1.33 per diluted share, for the second quarter of 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1077428/000107742823000152/0001077428-23-000152-index.htm

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