Texas Capital Bancshares Inc. 2026年季度报告

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with anynew or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ On April21, 2026, the number of shares set forth below was outstanding with respect to each of the issuer’s classes of common stock:Common Stock, par value $0.01 per share 43,670,939 Texas Capital Bancshares, Inc.Form 10-QQuarter Ended March31, 2026 Part I.—Financial Information Item1.Financial Statements - UnauditedConsolidated Balance SheetsConsolidated Statements of Income and Other Comprehensive IncomeConsolidated Statements of Stockholders' EquityConsolidated Statements of Cash FlowsNotes to Consolidated Financial StatementsItem2.Management's Discussion and Analysis of Financial Condition and Results of OperationsItem3.Quantitative and Qualitative Disclosures About Market RiskItem4.Controls and Procedures Part II.—Other InformationItem1.Legal ProceedingsItem1A.Risk FactorsItem 2.Unregistered Sales of Equity Securities and Use of ProceedsItem 6.ExhibitsSignatures PART I - FINANCIAL INFORMATIONITEM 1. FINANCIAL STATEMENTSTEXAS CAPITAL BANCSHARES, INC.CONSOLIDATED BALANCE SHEETS - UNAUDITED NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - UNAUDITED (1) Operations and Summary of Significant Accounting Policies Organization and Nature of Business Texas Capital Bancshares, Inc. (“TCBI” or the “Company”) is a registered bank holding company and a full-service financial servicesfirm that delivers customized solutions to businesses, entrepreneurs and individual customers. TCBI is headquartered in Dallas, withprimary banking offices in Austin, Dallas, Fort Worth, Houston and San Antonio, and has built a network of clients across the country. The Company’s business activities are conducted primarily through its wholly-owned bank subsidiary Texas Capital Bank (the“Bank”) and its wholly-owned non-bank subsidiary, TCBI Securities Inc., doing business as Texas Capital Securities. The Bank is aTexas state-chartered bank. Texas Capital Securities is a registered broker-dealer with the U.S. Securities and Exchange Commission The Company was incorporated as a Delaware corporation in 1996 and commenced banking operations in 1998. Basis of Presentation The Company’s accounting and reporting policies conform to accounting principles generally accepted in the United States (“GAAP”)and to generally accepted practices within the banking industry. Certain prior period balances have been reclassified to conform to the The consolidated interim financial statements are unaudited, and certain information and disclosures in the notes to consolidatedunaudited financial statements that are presented in accordance with GAAP have been condensed or omitted. In the opinion ofmanagement, the interim financial statements include all normal and recurring adjustments and the disclosures made present a fairpresentation of the Company’s financial position and results of operations. The consolidated financial statements have been preparedin accordance with GAAP for interim financial information and the instructions to Form 10-Q adopted by the SEC. Accordingly, thefinancial statements and the notes to the consolidated unaudited financial statements required by GAAP for complete annual financial Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affectthe reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements.Actual results could differ from those estimates. The allowance for credit losses, the fair value of financial instruments and the status (2) Earnings Per Share The following table presents the computation of basic and diluted earnings per share: (3) Debt and Equity Securities The following is a summary of the Company’s debt and equity securities: Debt Securities The amortized cost and estimated fair value as of March31, 2026, excluding accrued interest receivable, of available-for-sale andheld-to-maturity debt securities are presented below by contractual maturity. Actual maturities may differ from contractual maturities Table of Contents The table below presents the weighted average yields for the Company’s available-for-sale debt securities as of March31, 2026.Weighted average yields are calculated based on amortized cost on a tax-exempt basis assuming a 21% federal tax rate, where At March31, 2026, the Company had 41 available-for-sale debt securities in an unrealized loss position, comprised of 37 residentialmortgage-backed securities, two commercial mortgage-backed securities and two credit risk transfer securities. The unrealized losseson the available-for-sale debt securities were the result of changes in market interest rates compared to the date the securities wereacquired rather than the credit qua