secwatch.observer — SEC 8-K summary
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Issuer:     TEXAS CAPITAL BANCSHARES INC/TX (TCBI)
CIK:        0001077428
Form:       8-K
Filed at:   2025-10-22T23:59:59+00:00
Accession:  0001077428-25-000144
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1077428/000107742825000144/0001077428-25-000144-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1077428/000107742825000144/tcbi-20251022.htm
  HTML page:      https://secwatch.observer/filing/0001077428-25-000144

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer