{"schema_version":"secwatch.filing_event.v1","accession":"0001077428-23-000170","form_type":"8-K","ticker":"TCBI","cik":"0001077428","company_name":"TEXAS CAPITAL BANCSHARES INC/TX","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.141814+00:00","generated_at":"2026-06-09T19:41:20.532211+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Texas Capital Q3 EPS $1.18 misses Q2; provision jumps to $18M on criticized loan growth","bullets":["Diluted EPS of $1.18, down from $1.33 in Q2 but up from $0.74 a year ago.","Provision for credit losses $18.0M, up from $7.0M in Q2 due to criticized loan growth.","Criticized loans totaled $677.4M, up 9.4% from $619.4M at June 30; net charge-offs $8.9M.","Net interest margin narrowed 16bp to 3.13%; total deposit cost rose 25bp to 2.62%.","CET1 ratio improved to 12.7% from 12.2%; top-tier capital ratios remain above well-capitalized thresholds."],"urls":{"canonical":"https://secwatch.observer/filing/0001077428-23-000170","json":"https://secwatch.observer/filing/0001077428-23-000170.json","markdown":"https://secwatch.observer/filing/0001077428-23-000170.md","text":"https://secwatch.observer/filing/0001077428-23-000170.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1077428/000107742823000170/0001077428-23-000170-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1077428/000107742823000170/tcbi-20231019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T19:41:20.532211+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":[{"claim_id":"1d220fe87c4c3b52091223ef2f906355ec3cdedf","claim":"TEXAS CAPITAL BANCSHARES INC/TX reported third quarter of 2023 results: net income $61.7 million, EPS $1.18 per diluted share.","evidence_excerpt":"Third quarter 2023 net income of $61.7 million and net income available to common stockholders of $57.4 million, or $1.18 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1077428/000107742823000170/0001077428-23-000170-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of 2023"},{"label":"Net income","value":"$61.7 million"},{"label":"EPS","value":"$1.18 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}