{"schema_version":"secwatch.filing_event.v1","accession":"0001077428-25-000075","form_type":"8-K","ticker":"TCBI","cik":"0001077428","company_name":"TEXAS CAPITAL BANCSHARES INC/TX","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.436737+00:00","generated_at":"2026-05-23T11:29:13.152550+00:00","sec_items":["2.02","5.07","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"TCBI Q1 EPS $0.92 vs $0.46 YoY; net income $47M; shareholders reject say-on-pay","bullets":["Net income available to common stockholders $42.7M ($0.92 diluted EPS) vs $21.8M ($0.46) a year ago; QoQ down from $1.43.","Total deposits grew 9% YoY to $26.05B; total loans held for investment up 7% to $22.38B.","CET1 ratio 11.6%, Total Capital 15.6%; all regulatory ratios above well-capitalized thresholds.","Say-on-pay advisory vote failed: 21.8M against, 19.4M for (excluding broker non-votes of 2.2M).","Pre-provision net revenue $77.5M; net charge-offs $9.8M; criticized loans $762.9M."],"urls":{"canonical":"https://secwatch.observer/filing/0001077428-25-000075","json":"https://secwatch.observer/filing/0001077428-25-000075.json","markdown":"https://secwatch.observer/filing/0001077428-25-000075.md","text":"https://secwatch.observer/filing/0001077428-25-000075.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1077428/000107742825000075/0001077428-25-000075-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1077428/000107742825000075/tcbi-20250417.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T11:29:13.152550+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}