Texas Capital Bancshares Inc. has published the transcript of its Fourth Quarter and Full Year 2025 Earnings Conference Call, held on January 22, 2026. The event featured key members of the company’s leadership team, including Rob Holmes, Chairman, President & CEO; Matt Scurlock, Chief Financial Officer; and Jocelyn Kukulka, Head of Investor Relations & Corporate Development. During the call, management highlighted a strong year for the firm, noting robust market leadership and significant growth in core client segments. Texas Capital Securities posted a 45% year-over-year increase in 2025 volume, reflecting the company’s ongoing focus on building diversified and scalable revenue streams. The management team also reported that the total allowance for credit loss, including off-balance sheet reserves, stood at $333 million, near an all-time high. The company discussed its resilient credit position, with net charge-offs for the quarter totaling $10.7 million, or 18 basis points of loans held for investment, mainly related to previously identified credits in the commercial portfolio. “This ranking reflects our market leadership in a core client segment, while highlighting our ability to provide client financing solutions that best fit both their balance sheet, and ours,” said the Chief Executive Officer. Statements made during the call included forward-looking perspectives and references to non-GAAP measures, with further details and reconciliations available in the company’s earnings release and on its website. The full transcript can be accessed through the link below.
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