secwatch.observer — SEC 8-K summary
======================================

Issuer:     TEXAS CAPITAL BANCSHARES INC/TX (TCBI)
CIK:        0001077428
Form:       8-K
Filed at:   2026-10-21T20:11:57+00:00
Accession:  0001077428-26-000078
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1077428/000107742826000078/0001077428-26-000078-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1077428/000107742826000078/tcbi-20261021.htm
  HTML page:      https://secwatch.observer/filing/0001077428-26-000078

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