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Texas Capital Bank
Dallas, TX·FDIC Cert #34383·Charter: STATE·Est. 19971003.0·HC: TEXAS CAPITAL BANCSHARES INC
Total Assets
$31.3B
Q4 2025
Return on Assets
1.10%
+0.08%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.52%
Peer avg: 52.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.10%+0.08
ROE
10.10%+0.61
Efficiency
57.52%-1.63
Equity/Assets
0.00%+0.00
NPL Ratio
0.59%+0.19
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.91%+3.31
Charge-offs
0.20%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.5 | 0.1 | 0.3 | 0.7 | 0.9 | 1.0 | 1.1 |
| ROE | 3.9 | 4.7 | 0.8 | 2.8 | 6.3 | 8.0 | 9.5 | 10.1 |
| Efficiency | 76.6 | 72.6 | 69.1 | 66.5 | 68.2 | 63.0 | 59.1 | 57.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.4 | 0.4 | 0.5 | 0.4 | 0.5 | 0.4 | 0.6 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 85.2 | 89.9 | 84.7 | 87.2 | 83.2 | 89.1 | 85.6 | 88.9 |
Balance Sheet
Total Assets$31.3B
Total Deposits$26.7B
Total Loans$23.8B
Total Equity$3.6B
Profitability
ROA1.10%
ROE10.10%
Efficiency Ratio57.52%
Net Income$344.3M
Risk & Asset Quality
NPL Ratio0.59%
Charge-off Rate0.20%
Loan/Deposit88.91%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans