Texas Capital Bank
Dallas, TX·RSSD 2618780·FDIC 34383·bank:2618780·Risk-based ratios where reported
- #4 of 352Total assets in Texas
- Top 2%Total assets in the U.S.
- 10offices
- 1,743employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Texas Capital Bank
3 of 24 FORFI signals stand out against 111 similar banks, based on FDIC data for the quarter.
Deposits migrating from operating accounts to CDsWorth a look: Funding FORFI signal 2nd quarter27.4%peers 22.7%+4.6 pp
Texas Capital Bank's noninterest-bearing deposits lost share of the deposit base faster than at similar banks, while time deposits gained share.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 27.4% | 22.7% | +4.6 pp |
| Time deposits' share of deposits | ||
| 13.4% | 15.7% | -2.4 pp |
With internal data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Texas Capital Bank itself is left out of every peer median and percentile. How signals work
Where Texas Capital Bank differs most from peers
Net interest margin narrowing while the peer median widensContext: Earnings3.33%peers 3.75%-42 bps
Texas Capital Bank's net interest margin fell 8 bps over the past year to 3.33%. Among 107 similar banks, the median rose 12 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 3.33% | 3.75% | -42 bps |
| 12-month change | ||
| -8 bps | +12 bps | -20 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Texas Capital Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- Reliance on CDs rising while the peer median fallsFunding
- Noninterest-bearing deposit share falling while the peer median holds steadyFunding
Key facts
- Texas Capital Bank is a bank headquartered in Dallas, Texas. It reported $33.6 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $29.4 billion, up 10.7% from a year earlier, and loans totaled $24.9 billion, up 4.3%.
- Its net interest margin was 3.33% and its annualized return on assets was 1.09% for the quarter.
- Its cost of all deposits was 2.29%, compared with a median of 1.86% among 106 similar banks with $10 billion to $50 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Texas Capital Bank's own data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
Analysis workspaces
Sources and identifiers
- Institution
- Texas Capital Bank · Bank
- Federal Reserve RSSD
- 2618780
- FDIC certificate
- 34383
- Reporting period
- Peer group
- 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Texas Capital Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $90.93M | — | |
| $439.11M | — | |
| $170.64M | — | |
| $268.47M | — | |
| $44.76M | — | |
| $177.84M | — | |
| $13.91M | — | |
| $18M | — | |
| 1.09% | 1.09%ROAQ · Quarter | |
| 3.33% | 3.32%NIMYQ · Quarter | |
| 56.78% | 56.78%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.