---
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"
generated_at: "2026-05-17T02:41:24.265875+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001077428-25-000144
- JSON: https://secwatch.observer/filing/0001077428-25-000144.json
- Plain text: https://secwatch.observer/filing/0001077428-25-000144.txt

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