TEXAS CAPITAL BANCSHARES INC/TX (TCBI) Form 8-K — Oct 21, 2026
Texas Capital Bancshares reported Q3 2026 net income to common of $99.4 million, or $2.28 per diluted share, up from $1.83 in Q2 but slightly below the $100.9 million earned a year ago. Net interest income hit a record $275.0 million and fee income grew 14% year-over-year, driving adjusted EPS of $2.35, up 8% YoY. The quarter's soft spot is credit: criticized loans rose 12% quarter-over-quarter to $782.4 million, and the provision was $17.0 million versus $12.0 million a year ago. Management characterized migration trends as expected, with non-performing assets stable at 0.38% of total assets.
Key figures
- Eps
- 2.28
- Revenue
- 356626000
- Net Income
- 99392000
- Total Debt
- 487270000
- Total Assets
- 32345107000
- Cet1 ratio
- 12.2%
- Adjusted eps
- $2.35
- Common dividend
- $0.20 per share
- Net charge offs
- $14.5M
- Criticized loans
- $782.4M (up from $696.3M QoQ)
- Buyback authorized
- $200.0M new authorization through October 31, 2027
- Buyback executed q3
- $103.0M for 1,051,660 shares at avg $96.99
- Net interest income
- $275.0M (record)
- Net interest margin
- 3.44% (+16bps QoQ)
- Non interest income
- $81.6M (record, +14% YoY fee income)
- Provision credit losses
- $17.0M
AI analysis
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