---
schema_version: "secwatch.filing_event.v1"
accession: "0001077428-26-000078"
form_type: "8-K"
ticker: "TCBI"
cik: "0001077428"
company_name: "TEXAS CAPITAL BANCSHARES INC/TX"
filed_at: "2026-10-21T20:11:57+00:00"
generated_at: "2026-10-21T20:15:16.451478+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0001077428-26-000078
- form_type: 8-K
- ticker: TCBI
- cik: 0001077428
- company_name: TEXAS CAPITAL BANCSHARES INC/TX
- filed_at: 2026-10-21T20:11:57+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1077428/000107742826000078/0001077428-26-000078-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1077428/000107742826000078/tcbi-20261021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001077428-26-000078
- JSON: https://secwatch.observer/filing/0001077428-26-000078.json
- Plain text: https://secwatch.observer/filing/0001077428-26-000078.txt

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