Texas Capital Q3 2026 EPS $2.28 vs $2.18; record NII $275M, criticized loans up 48% YoY

TEXAS CAPITAL BANCSHARES INC/TX

Net income available to common $99.4M, or $2.28 per diluted share (adjusted $2.35); revenue $356.6M vs $340.4M a year earlier.
Record net interest income $275.0M; NIM 3.44%, up 16 bps from Q2 but down 3 bps YoY. Non-interest income $81.6M rose 19% YoY.
Provision for credit losses $17.0M vs $12.0M a year ago; criticized loans $782.4M vs $529.7M at Sept 30, 2025; net charge-offs $14.5M.
Repurchased 1,051,660 shares for $103.0M at $96.99 average; new $200M buyback authorized Oct 20, 2026 through Oct 31, 2027.
Common dividend $0.20/share payable Dec 15, 2026, record Dec 1; CET1 12.2%, total capital 14.8%, tangible common equity 9.9%.

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