{"schema_version":"secwatch.filing_event.v1","accession":"0001077428-25-000144","form_type":"8-K","ticker":"TCBI","cik":"0001077428","company_name":"TEXAS CAPITAL BANCSHARES INC/TX","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.736606+00:00","generated_at":"2026-05-17T02:41:24.265875+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Texas Capital Q3 2025: record net income $105.2M, EPS $2.18, ROAA 1.30%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001077428-25-000144","json":"https://secwatch.observer/filing/0001077428-25-000144.json","markdown":"https://secwatch.observer/filing/0001077428-25-000144.md","text":"https://secwatch.observer/filing/0001077428-25-000144.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1077428/000107742825000144/0001077428-25-000144-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1077428/000107742825000144/tcbi-20251022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:41:24.265875+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"}