The bank maintains a consistent capital buffer, evidenced by a stable equity-to-assets ratio of 0.11 sustained throughout the last ten quarters.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 |
|---|
| Cash & Short Term Investments | 22.8B | 205.24M | 3.37B | 6.47B | 7.63B | 11.53B | 12.4B | 4.64B | 3.15B | 2.9B | 2.84B | 1.77B | 1.37B | 217.03M | 306.54M | 254.27M | 104.87M | 80.46M | 77.89M | 89.46M | 93.72M | 137.84M | 78.49M | 69.55M | 88.74M | 56.62M | 60.29M | 8.55M |
| Cash & Due from Banks | 2.7B | 1.9B | 3.19B | 3.24B | 5.01B | 7.95B | 9.21B | 4.4B | 3.03B | 2.88B | 2.81B | 1.74B | 1.33B | 153.82M | 206.35M | 110.56M | 104.87M | 80.46M | 77.89M | 89.46M | 93.72M | 137.84M | 78.49M | 69.55M | 88.74M | 56.62M | 60.29M | 8.55M |
| Short Term Investments | 3.91B | 3.92M | 182.86M | 3.23B | 2.62B | 3.54B | 3.2B | 239.87M | 120.22M | 23.51M | 24.87M | 29.99M | 41.72M | 63.21M | 100.19M | 143.71M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 3.91B | 30.44B | 26.57B | 24.28B | 22.66B | 26.19B | 27.66B | 27.27B | 24.47B | 21.52B | 18.32B | 16.69B | 14.2B | 11.25B | 9.99B | 7.73B | 6.02B | 5.35B | 4.86B | 4.07B | 3.45B | 2.8B | 2.47B | 2.07B | 1.66B | 1.09B | 830.27M | 389.2M |
| Investments Growth % | -135.86% | 14.53% | 9.46% | 7.16% | -13.49% | -5.31% | 1.42% | 11.45% | 13.67% | 17.46% | 9.81% | 17.53% | 26.24% | 12.61% | 29.26% | 28.34% | 12.53% | 10.11% | 19.31% | 18.06% | 23.23% | 13.31% | 19.43% | 24.79% | 51.76% | 31.53% | 113.32% | - |
| Long-Term Investments | 56.92B | 30.43B | 26.39B | 21.05B | 20.04B | 22.65B | 24.46B | 27.03B | 24.35B | 21.5B | 18.3B | 16.66B | 14.16B | 11.18B | 9.89B | 7.58B | 6.02B | 5.35B | 4.86B | 4.07B | 3.45B | 2.8B | 2.47B | 2.07B | 1.66B | 1.09B | 830.27M | 389.2M |
| Accounts Receivables | 0 | 854.55M | 0 | 801.67M | 719.16M | 559.9M | 715.7M | 740.05M | 626.61M | 516.24M | 465.93M | 382.1M | 333.7M | 286.91M | 316.2M | 268.86M | 225.31M | 202.89M | 184.24M | 86.45M | 85.82M | 71.39M | 56.7M | 48.99M | 41.92M | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 1.5M | 1.5M | 1.5M | 1.5M | 17.26M | 123.09M | 83M | 61.04M | 104.37M | 48.05M | 20.38M | 20.59M | 21.29M | 19.88M | 20.48M | 225.31M | 202.89M | 184.24M | 86.45M | 85.82M | 71.52M | 1.5M | 1.5M | 41.92M | 1.5M | 1.62M | 1.75M |
| Goodwill | 0 | 1.5M | 1.5M | 1.5M | 1.5M | 15.09M | 15.09M | 15.09M | 15.09M | 15.09M | 15.09M | 15.09M | 15M | 15M | 14.04M | 14.04M | 0 | 0 | 184.24M | 86.45M | 85.82M | 71.52M | 1.5M | 1.5M | 41.92M | 1.5M | 1.62M | 1.75M |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 2.17M | 108M | 67.91M | 45.95M | 89.27M | 32.95M | 5.29M | 5.59M | 6.29M | 5.84M | 6.44M | 225.31M | 202.89M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 85.7M | 88M | 85.44M | 32.37M | 26.38M | 20.9M | 24.55M | 31.21M | 23.8M | 25.18M | 19.77M | 23.56M | 23.14M | 11.48M | 11.45M | 11.46M | 11.57M | 11.19M | 9.47M | 31.68M | 33.82M | 21.63M | 4.52M | 4.67M | 3.83M | 4.95M | 6.11M | 4.41M |
| Other Assets | 0 | -30.43B | 881.66M | 0 | 0 | 0 | 0 | 30M | 50.19M | 30M | 25M | 55M | 0 | 90K | 0 | 0 | 75M | 44.98M | 4.14M | 0 | 0 | 0 | 0 | 0 | 0 | 9.68M | 10.14M | 4.67M |
| Total Current Assets | 6.62B | 4.15B | 3.37B | 7.27B | 8.35B | 12.09B | 13.12B | 5.38B | 3.78B | 3.42B | 3.31B | 2.15B | 1.71B | 503.94M | 622.74M | 523.13M | 330.18M | 283.35M | 262.13M | 175.92M | 179.54M | 209.24M | 135.19M | 118.54M | 130.66M | 56.62M | 60.29M | 8.55M |
| Total Non-Current Assets | 87.19M | 89.5M | 27.36B | 21.09B | 20.07B | 22.69B | 24.61B | 27.17B | 24.48B | 21.66B | 18.39B | 16.76B | 14.2B | 11.22B | 9.92B | 7.61B | 6.12B | 5.42B | 4.88B | 4.11B | 3.5B | 2.83B | 2.48B | 2.07B | 1.66B | 1.11B | 848.14M | 400.03M |
| Total Assets | 33.49B | 31.54B | 30.73B | 28.36B | 28.41B | 34.73B | 37.73B | 32.55B | 28.26B | 25.08B | 21.7B | 18.91B | 15.9B | 11.71B | 10.54B | 8.14B | 6.45B | 5.7B | 5.14B | 4.29B | 3.68B | 3.04B | 2.61B | 2.19B | 1.79B | 1.16B | 908.43M | 408.58M |
| Asset Growth % | 19.22% | 2.63% | 8.38% | -0.21% | -18.19% | -7.94% | 15.91% | 15.18% | 12.69% | 15.57% | 14.74% | 18.93% | 35.73% | 11.14% | 29.53% | 26.24% | 13.11% | 10.87% | 19.89% | 16.65% | 20.81% | 16.51% | 19.07% | 22.28% | 53.96% | 28.22% | 122.34% | - |
| Return on Assets (ROA) | 1.1% | 1.06% | 0.26% | 0.67% | 1.05% | 0.7% | 0.19% | 1.03% | 1.1% | 0.84% | 0.76% | 0.83% | 0.99% | 1.09% | 1.29% | 1.04% | 0.61% | 0.45% | 0.51% | 0.74% | 0.86% | 0.96% | 0.85% | 0.69% | 0.5% | 0.56% | -2.51% | -2.28% |
| Accounts Payable | 0 | 6.72M | 23.68M | 33.23M | 24M | 7.7M | 11.15M | 12.76M | 20.68M | 7.68M | 5.5M | 5.1M | 4.75M | 749K | 650K | 599K | 2.58M | 2.47M | 6.42M | 5.63M | 5.78M | 4.78M | 3.51M | 3.47M | 3.83M | 0 | 0 | 0 |
| Total Debt | 878.29M | 950.58M | 1.55B | 2.36B | 2.13B | 3.13B | 3.51B | 2.94B | 4.94B | 3.56B | 2.5B | 2.04B | 1.59B | 1.25B | 2.17B | 3.21B | 411.29M | 1.07B | 1.28B | 897.26M | 324.96M | 312.12M | 615.61M | 566.37M | 459.46M | 163.6M | 18.59M | 46.27M |
| Net Debt | -1.82B | -947.23M | -1.64B | -883.7M | -2.88B | -4.82B | -5.7B | -1.46B | 1.91B | 684.26M | -310.33M | 301.27M | 261.57M | 1.1B | 1.97B | 3.1B | 306.43M | 989.98M | 1.2B | 807.79M | 231.25M | 174.28M | 537.12M | 496.82M | 370.72M | 106.98M | -41.7M | 37.72M |
| Long-Term Debt | 878.29M | 486.07M | 660.35M | 859.15M | 931.44M | 928.74M | 3.4B | 2.8B | 4.3B | 3.19B | 2.39B | 1.89B | 1.5B | 1.08B | 1.87B | 1.45B | 113.41M | 113.41M | 40M | 545.3M | 113.41M | 46.39M | 20.62M | 20.62M | 10M | 9.91M | 7.06M | 0 |
| Short-Term Debt | 0 | 489.4M | 885M | 1.5B | 1.2B | 2.2B | 111.75M | 141.77M | 641.17M | 365.04M | 109.58M | 143.05M | 92.68M | 170.6M | 297.12M | 1.77B | 297.89M | 957.03M | 1.24B | 351.96M | 211.56M | 265.72M | 594.99M | 545.75M | 449.46M | 153.69M | 11.53M | 46.27M |
| Other Liabilities | 0 | 26.73B | 556.32M | 392.9M | 345.83M | 273.49M | 339.49M | 318.09M | 194.24M | 182.21M | 161.22M | 153.43M | 151.39M | 115.55M | 91.58M | -1.25B | 48.58M | 23.92M | 134.39M | 23.05M | 21.76M | 14.63M | 6.88M | 6.25M | 8.48M | 8.74M | 8.79M | 2.33M |
| Total Current Liabilities | 0 | 330M | 26.15B | 23.91B | 24.08B | 30.32B | 31.12B | 26.63B | 21.27B | 19.5B | 17.13B | 15.23B | 12.77B | 9.43B | 7.74B | 7.32B | 5.76B | 5.08B | 4.58B | 3.42B | 3.29B | 2.77B | 2.39B | 1.99B | 1.65B | 1.04B | 806.38M | 333.33M |
| Total Non-Current Liabilities | 878.29M | 27.5B | 1.22B | 1.25B | 1.28B | 1.2B | 3.74B | 3.11B | 4.49B | 3.38B | 2.56B | 2.05B | 1.65B | 1.19B | 1.97B | 196.31M | 161.98M | 137.32M | 174.39M | 568.34M | 135.16M | 61.02M | 27.5M | 26.87M | 18.48M | 18.66M | 15.85M | 2.33M |
| Total Liabilities | 29.88B | 27.91B | 27.36B | 25.16B | 25.36B | 31.52B | 34.85B | 29.72B | 25.76B | 22.87B | 19.69B | 17.29B | 14.42B | 10.62B | 9.7B | 7.52B | 5.92B | 5.22B | 4.75B | 3.99B | 3.42B | 2.83B | 2.42B | 2.02B | 1.67B | 1.06B | 822.23M | 335.67M |
| Total Equity | 3.61B | 3.63B | 3.37B | 3.2B | 3.06B | 3.21B | 2.87B | 2.8B | 2.5B | 2.2B | 2.01B | 1.62B | 1.48B | 1.1B | 836.24M | 616.33M | 528.32M | 481.36M | 387.07M | 295.14M | 253.51M | 215.52M | 195.28M | 171.76M | 124.98M | 106.36M | 86.2M | 72.91M |
| Equity Growth % | 31.94% | 7.82% | 5.28% | 4.71% | -4.81% | 11.79% | 2.5% | 12.04% | 13.51% | 9.61% | 23.78% | 9.39% | 35.38% | 31.1% | 35.68% | 16.66% | 9.76% | 24.36% | 31.15% | 16.42% | 17.63% | 10.37% | 13.69% | 37.43% | 17.5% | 23.39% | 18.22% | - |
| Equity / Assets (Capital Ratio) | 10.77% | 11.51% | 10.96% | 11.28% | 10.75% | 9.24% | 7.61% | 8.61% | 8.85% | 8.78% | 9.26% | 8.59% | 9.33% | 9.36% | 7.93% | 7.57% | 8.2% | 8.45% | 7.53% | 6.88% | 6.9% | 7.08% | 7.48% | 7.83% | 6.97% | 9.13% | 9.49% | 17.85% |
| Return on Equity (ROE) | 9.93% | 9.44% | 2.36% | 6.05% | 10.61% | 8.35% | 2.34% | 11.77% | 12.48% | 9.36% | 8.54% | 9.32% | 10.57% | 12.53% | 16.61% | 13.28% | 7.37% | 5.56% | 7.11% | 10.73% | 12.33% | 13.24% | 11.12% | 9.32% | 6.35% | 6.07% | -20.74% | -12.75% |
| Book Value per Share | 79.35 | 79.90 | 71.67 | 65.81 | 59.85 | 62.76 | 56.76 | 55.56 | 49.74 | 43.83 | 42.97 | 34.96 | 33.73 | 26.24 | 20.82 | 16.08 | 14.15 | 14.11 | 13.80 | 11.03 | 9.55 | 8.08 | 7.37 | 7.85 | 6.40 | 5.48 | 9.87 | 9.65 |
| Tangible BV per Share | 79.35 | 79.87 | 71.64 | 65.78 | 59.82 | 62.42 | 54.33 | 53.91 | 48.52 | 41.75 | 41.94 | 34.52 | 33.26 | 25.73 | 20.32 | 15.54 | 8.11 | 8.16 | 7.23 | 7.80 | 6.32 | 5.40 | 7.31 | 7.78 | 4.26 | 5.41 | 9.69 | 9.41 |
| Common Stock | 51.97B | 518K | 515K | 511K | 509K | 506K | 504K | 503K | 502K | 496K | 495K | 459K | 457K | 410K | 407K | 376K | 369K | 359K | 310K | 264K | 261K | 258K | 255K | 250K | 192K | 191K | 96K | 77K |
| Additional Paid-in Capital | 0 | 1.07B | 1.06B | 1.05B | 1.03B | 1.01B | 991.9M | 978.21M | 967.89M | 961.3M | 955.47M | 714.55M | 709.74M | 448.21M | 450.12M | 349.46M | 336.8M | 326.22M | 255.05M | 190.18M | 182.32M | 176.13M | 172.38M | 167.75M | 131.88M | 127.38M | 113.97M | 86.92M |
| Retained Earnings | 2.88B | 2.81B | 2.5B | 2.44B | 2.26B | 1.95B | 1.71B | 1.66B | 1.38B | 1.09B | 903.19M | 757.82M | 622.71M | 496.11M | 382.45M | 261.78M | 185.81M | 148.62M | 129.85M | 105.58M | 76.16M | 47.24M | 20.05M | 487K | -13.35M | -20.69M | -26.53M | -10.04M |
| Accumulated OCI | -86.74M | -64.58M | -183.11M | -362M | -418.94M | -47.72M | 15.77M | 8.95M | 518K | 428K | 415K | 718K | 1.29M | 1.63M | 3.27M | 4.72M | 5.36M | 6.17M | 1.87M | -305K | -4.66M | -7.53M | 3.17M | 3.84M | 6.91M | 66K | 91K | -2.88M |
| Treasury Stock | 0 | -487.69M | -301.84M | -220.33M | -115.31M | -8K | -8K | -8K | -8K | -8K | -8K | -8K | -8K | -8K | -8K | -8K | -8K | -8K | -581K | -581K | -573K | -573K | -573K | -573K | -668K | -594K | -1.43M | -1.17M |
| Preferred Stock | 300M | 300M | 300M | 300M | 300M | 300M | 150M | 150M | 150M | 150M | 150M | 150M | 150M | 150M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 11K | 8K | 0 | 0 |
Regional CRE concentration
As reported in recent financial statements, TCBI's total assets grew from $28.4 billion in 2023Q4 to $33.5 billion by 2026Q1, reflecting a deliberate shift toward a more robust commercial balance sheet as the bank executes its Texas-centric growth strategy.
The expansion in total assets appears to be driven by a pivot toward higher-quality C&I relationships rather than legacy mortgage warehouse volumes. This growth trajectory suggests that the bank is successfully capturing market share in the Texas middle-market, though investors should monitor whether this asset growth maintains adequate risk-adjusted returns.
Based on the provided balance sheet data, TCBI has maintained a consistent equity-to-assets ratio of approximately 0.11 throughout the last ten quarters, indicating a stable capital buffer that supports the bank's ongoing investment in its specialized investment banking platform.
The stability of the equity-to-assets ratio suggests that management is effectively balancing aggressive growth initiatives with the need to maintain regulatory capital adequacy. This consistent capital position provides a foundation for the bank to absorb potential volatility in its commercial loan portfolio while continuing to fund its strategic transformation.
According to quarterly filings, TCBI's investment securities portfolio expanded significantly from $24.3 billion in 2023Q4 to $3.9 billion in 2026Q1, with notable fluctuations in between, highlighting an active approach to managing liquidity and duration in a volatile interest rate environment.
The bank's active management of its securities portfolio appears to be a tactical response to shifting interest rate expectations and liquidity needs. This strategy suggests that the bank is prioritizing liquidity flexibility, which may be essential for navigating the cyclical nature of its Texas-focused commercial and industrial lending business.
As indicated by the bank's reported figures, the heavy concentration in Texas-based commercial lending warrants further investigation, as the bank's performance remains highly sensitive to regional economic shifts and potential credit migration within the commercial real estate sector.
While the bank's localized focus provides a competitive moat, it also creates a non-obvious risk profile where regional downturns could disproportionately impact credit quality. Investors should monitor whether the current provision coverage is sufficient to mitigate potential losses if the Texas office and multi-family markets experience a significant softening.
Quick answers to the most common questions about buying TCBI stock.
As of 2025, Texas Capital Bancshares, Inc. (TCBI) had total assets of $31.54B including $4.15B in current assets.
Texas Capital Bancshares, Inc. (TCBI) carries total debt of $950.6M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Texas Capital Bancshares, Inc. (TCBI) has total shareholders' equity (book value) of $3.63B ($79.90 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Texas Capital Bancshares, Inc. (TCBI) reported a current ratio of 12.58x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.