Texas Capital Bancshares reported full year (FY) 2025 net interest income of USD 1.03 billion. Provision for credit losses for the period was USD 55 million. Non-interest income totaled USD 227.14 million for FY 2025. Non-interest expense was USD 768.07 million. Income before income taxes reached USD 432.71 million. For FY 2025, average investment securities balances were USD 4.58 billion, generating revenue of USD 189 million with a yield of 4.03 percent. The company noted enhancements made in the first quarter of 2024 to the methodology for applying relationship pricing credits to mortgage client loans, resulting in reclassification of certain prior period interest income amounts across loan categories and corresponding adjustments in reported yields. Texas Capital Bancshares indicated that its primary sources of liquidity remain dividends from its banking subsidiary and borrowings from external sources, with banking regulations affecting dividend distributions. The company may consider raising additional capital through public or private offerings of debt or equity securities to supplement deposits and address long-term funding needs.

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