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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Texas Capital Bank

Dallas, Texas · $33.62B in assets · beside the 11 other Texas banks over $10B

The filing

1.03%
ROA
10th of 12
0.50%
NPA / loans
3rd of 11
2.2x
Coverage of noncurrent
3rd of 10

Texas Capital Bank is the third largest of the 12 Texas banks nearest its size over $10B, with $33.62B in assets at 30 June 2026. Loans are 84.9% of deposits, 8th of 12 against a median of 81.6%, and equity is 10.1% of assets, 8th of 12. Loans grew +4.3% in the year, 6th of 11, and deposits grew 10.7%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 0.50% of the book, 3rd of 11 against a median of 0.77%; 0.13% is 30 to 89 days past due, and the allowance covers them 2.2 times. Net charge-offs are 0.27% of loans, 8th of 11. Commercial real estate is 16.1% of loans, 4th of 11 against a median of 27.7%, and 105% of capital, below the 300% screen, with construction at 23% against the 100% screen.

Return on assets is 1.03%, 10th of 12 against a median of 1.33%, on an efficiency ratio of 59.3%, 8th of 12. Five years ago it was 0.79%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsTX banks over $10B · 30 June 2026 · higher is stronger, listed first
median 1.33% IB International Bank of Com 2.70% CS Charles Schwab Trust Bank 2.01% AN Amarillo National Bank 1.74% FF First Financial Bank 1.74% CS Charles Schwab Premier Bank SS 1.47% PB Prosperity Bank 1.35% FB Frost Bank 1.30% PB Plainscapital Bank 1.14% N Nexbank 1.06% TC Texas Capital Bank 1.03% SB Sunflower Bank National Association 0.22% SB Stellar Bank -0.61%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

Texas Capital Bank is the 27th largest 7(a) lender into Texas of 706, with $339M across 240 loans, 0.8% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 39 of its 63 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$99M22nd of 3141.2%+1.5 pts
Dallas, TX$51M31st of 3140.9%+0.2 pts
Collin, TX$32M22nd of 2611.2%+0.6 pts
Tarrant, TX$28M34th of 2810.7%+1.1 pts
Williamson, TX$26M8th of 1812.2%+2.3 pts
Bexar, TX$15M33rd of 2370.7%+0.8 pts
Travis, TX$13M44th of 2390.5%-0.1 pts
Brazoria, TX$12M10th of 1292.2%-0.5 pts
Fort Bend, TX$11M37th of 1800.7%+0.0 pts
Denton, TX$6M69th of 2240.3%quiet FY2020
Maricopa, AZ$5M112th of 3030.1%quiet FY2020
Brazos, TX$5M11th of 922.3%quiet FY2021
Saint Lucie, FL$4M26th of 1031.1%quiet FY2020
50 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance43$84M21.4%0.18%87th of 2,172
Manufacturing32$52M13.3%0.13%138th of 2,246
Accommodation & food services43$45M11.6%0.06%238th of 2,596
Other services29$40M10.2%0.11%146th of 2,248
Wholesale trade19$32M8.2%0.12%143rd of 1,651
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Texas Capital Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans TC Texas Capital Bank 0.8% $339M · 240 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Texas Capital BankRankCohort median
Total CRE against capital, the 300% screen105%4th of 12120%
Construction against capital, the 100% screen23%5th of 1239%
Construction and land development, share of loans3.5%4th of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans6.4%4th of 1110.2%
Total CRE, the guidance definition, share of loans16.1%4th of 1127.7%
CRE growth over 36 months, the third prong-7.1%4th of 10+6.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Texas Capital BankCohort median
20212026Change20212026Change
Loans$24.00B$24.95B+4%$5.53B$8.82B+59%
Deposits$29.28B$29.38B+0%$10.30B$12.17B+18%
NPA / loans0.40%0.50%+0.09 pts0.54%0.77%+0.23 pts
Efficiency61.4%59.3%-2.1 pts52.6%51.0%-1.6 pts
ROA0.79%1.03%+0.24 pts1.26%1.33%+0.06 pts

This read was prepared for Texas Capital Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Texas Capital Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B
Institution www.texascapitalbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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