---
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"
generated_at: "2026-06-09T19:41:20.532211+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Texas Capital Q3 EPS $1.18 misses Q2; provision jumps to $18M on criticized loan growth

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001077428-23-000170
- JSON: https://secwatch.observer/filing/0001077428-23-000170.json
- Plain text: https://secwatch.observer/filing/0001077428-23-000170.txt

## Key facts
- Earnings Releases
  TEXAS CAPITAL BANCSHARES INC/TX reported third quarter of 2023 results: net income $61.7 million, EPS $1.18 per diluted share.
  - Period: third quarter of 2023
  - Net income: $61.7 million
  - EPS: $1.18 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1077428/000107742823000170/0001077428-23-000170-index.htm

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