---
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"
generated_at: "2026-05-23T11:29:13.152550+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# TCBI Q1 EPS $0.92 vs $0.46 YoY; net income $47M; shareholders reject say-on-pay

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 5.07, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001077428-25-000075
- JSON: https://secwatch.observer/filing/0001077428-25-000075.json
- Plain text: https://secwatch.observer/filing/0001077428-25-000075.txt

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