Texas Capital Q3 2025: record net income $105.2M, EPS $2.18, ROAA 1.30%

TEXAS CAPITAL BANCSHARES INC/TX

2025-Q3 EPS reported $4.67

Record net income $105.2M ($100.9M to common) vs net loss of $61.3M in Q3 2024.
Diluted EPS $2.18 (adjusted $2.18) vs ($1.41) year ago; PPNR $149.8M.
Net interest margin 3.47%, up 12 bps QoQ and 31 bps YoY; deposit cost fell 3 bps to 2.62%.
CET1 ratio rose to 12.1% (Q2: 11.4%); total capital 16.1%; repurchased 87k shares at $80.49.
Net charge-offs $13.7M; criticized loans fell to $529.7M from $637.5M; non-accrual LHI 0.40%.

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