# TEXAS CAPITAL BANK
DALLAS, TX · FDIC certificate 34383 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $33.62B | |
| Deposits | $29.38B | |
| Loans and leases | $24.95B | |
| Total equity | $3.41B | |
| Loans / deposits | 84.01% (p44 of band) | 85.78% |
| Liquid assets / assets | 23.88% (p55 of band) | |
| Uninsured deposits / deposits | 37.66% (p46 of band) | 38.39% |
| Brokered deposits | 9.98% | |
| Wholesale funding | 11.03% (p67 of band) | |
| FHLB advances / assets | 1.04% | |
| Tier 1 leverage | 10.67% (p65 of band) | 10.17% |
| Unrealized securities loss / equity | -5.29% (p66 of band) | -7.43% |
| AOCI / equity | -1.01% (p14 of band) | |
| ROA (annualized) | 1.03% (p32 of band) | 1.24% |
| Net interest margin | 3.35% (p40 of band) | 3.57% |
| Efficiency ratio | 59.29% (p71 of band) | |
| Noncurrent loans | 0.50% (p32 of band) | 0.66% |
| Net charge-offs (annualized) | 0.20% (p77 of band) | |
| Reserve coverage of noncurrent | 215.59% | |
| Real estate % of loans | 22% | |
| Construction % of loans | 25.96% (p46 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $9.47B (278% of equity) (p97 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 1743 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, liquid assets <10%, reserve under noncurrent, construction >100% equity, loans-to-lenders >50% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 6 | wholesale funding >15% |  |
| 2011-12 | 5 | capital falling | reserve under noncurrent, construction >100% equity |
| 2012-03 | 5 | construction >100% equity | capital falling |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 6 | capital falling |  |
| 2013-03 | 6 | uninsured deposits >50%, run vulnerability | wholesale funding >15%, capital falling |
| 2013-06 | 6 |  |  |
| 2013-09 | 9 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2013-12 | 8 |  | capital falling |
| 2014-03 | 8 |  |  |
| 2014-06 | 8 |  |  |
| 2014-09 | 8 |  |  |
| 2014-12 | 8 |  |  |
| 2015-03 | 7 |  | brokered >10% |
| 2015-06 | 9 | capital falling, reserve under noncurrent |  |
| 2015-09 | 6 |  | liquid assets <10%, capital falling, reserve under noncurrent |
| 2015-12 | 8 | liquid assets <10%, reserve under noncurrent |  |
| 2016-03 | 6 |  | wholesale funding >15%, liquid assets <10% |
| 2016-06 | 8 | wholesale funding >15%, uninsured deposits leaving |  |
| 2016-09 | 3 | capital falling | loans exceed deposits, uninsured deposits >50%, run vulnerability, reserve under noncurrent, wholesale funding >15%, uninsured deposits leaving |
| 2016-12 | 7 | loans exceed deposits, uninsured deposits >50%, wholesale funding >15%, run vulnerability, reserve under noncurrent | capital falling |
| 2017-03 | 5 |  | wholesale funding >15%, reserve under noncurrent |
| 2017-06 | 6 | wholesale funding >15% |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 7 | capital falling |  |
| 2018-03 | 6 |  | capital falling |
| 2018-06 | 6 | brokered >10% | construction >100% equity |
| 2018-09 | 6 |  |  |
| 2018-12 | 6 |  |  |
| 2019-03 | 7 | liquid assets <10% |  |
| 2019-06 | 6 |  | liquid assets <10% |
| 2019-09 | 4 | capital falling | loans exceed deposits, uninsured deposits >50%, run vulnerability |
| 2019-12 | 8 | loans exceed deposits, uninsured deposits >50%, run vulnerability, reserve under noncurrent |  |
| 2020-03 | 7 | losing money, charge-offs p90 | capital falling, loans exceed deposits, run vulnerability |
| 2020-06 | 7 | expense ratio p90 | reserve under noncurrent |
| 2020-09 | 4 |  | uninsured deposits >50%, losing money, expense ratio p90 |
| 2020-12 | 5 | uninsured deposits >50%, NIM <2.5% | brokered >10% |
| 2021-03 | 3 |  | wholesale funding >15%, charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 5 | deposits shrinking, assets shrinking |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 6 | expense ratio p90 |  |
| 2022-09 | 5 |  | NIM <2.5% |
| 2022-12 | 5 | uninsured deposits leaving | expense ratio p90 |
| 2023-03 | 5 | charge-offs p90 | uninsured deposits >50% |
| 2023-06 | 4 |  | charge-offs p90 |
| 2023-09 | 2 |  | deposits shrinking, assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | capital falling | expense ratio p90 |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-21 [Texas Capital makes big play on state's new stock exchange - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxPYTE0TmJacXVycENlTDVWNnBqdkZHVXNMa1VXNTVoV1BIN2VOZkdkYzdJcy1BMFlMS0JKNk5HczQ0cEhXc3QzWFpOM1M5QWMyQ2ljaDRHTmZVSk5ib2dwUmk0Rk9NT0lsZU1qZ25UQVZoRnZONVJ5bklDWHlmYnBDb0tnTnVmMGp5ZEZfOWdMNW5pVnJGTC1VTg?oc=5) · American Banker
- 2026-05-24 [Texas Capital’s Dan Hoverman: The Finance Executive Who Thinks Like a Lawyer - The Texas Lawbook](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcU5UZlpKQ3FnWE90R0I1d3pXYVQ3SVlYRkUyQTc3Y3p2Ry1iMHdsZ0ZTZmtQOFZNUmhyMHJjeEpacWR1N0NpN2Y3OWdmYXNMakJmd09tLWlBRjhLQXp3ZmlES2o0dUV2RDk3VkNJZzBBVnJROVZsSndCaktaU0dYdTYzQQ?oc=5) · The Texas Lawbook
- 2026-08-13 [Best Banks In Texas For 2026 - Bankrate](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5PRmVqM2xyamY3ZmlKUEwxTE9QWUZZTzlQWDRQN2tsaGNUOVZxLU5vS1k5SW9hc0ZCVmFZc09INUllaklMU0tYX3dwSHA1UEdJaXJtMzFPZ0c0aEQyODk2aXlTaw?oc=5) · Bankrate
- 2026-08-18 [Texas Stock Exchange gets first primary listings from Y'all Street neighbor - dallasnews.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOQ3BRcWFSZm5zT1V0RGdDOTExQ0RUMVFRdXI2N1Z0T2wyaTBrekF5U3FGdkJnUlN2QVZtbjVPYlZjelhGNG5xb3o2eGJQbF9xb0h4d2Y1bWxmNFgyU1J1dnRUTTJ5eldLNS1IV2xoZkpUYWhzRGtac0RRVzVvaC1tb1o3dlp4X2JYWlRUUnczRzVfZGtnNi1YcElMWGpHQWR2YmZlbmhWZFRBblJZ?oc=5) · dallasnews.com
- 2026-05-21 [Bank signs lease at downtown Austin's 415 Colorado - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPVGVqSlM4c3U3V1RqR05BZ2l6UzZCcGtuOTlDR0ZhTjNmdkFqMmJpU3Iyb19vc1RJa3MxVXc2WWpRUGMtd0czcmVYOVVzbzNnMGViVmk4aFVYZFo5bk0wVmstdUtGNW5qTlhoLUZqaHp6S0V2S0FydTVBMEVUUkJwUWd4QmVZRndSQjhfakRRMmtvSmN5a1BtQUhLZ09fWnJ1?oc=5) · The Business Journals
- 2026-05-22 [Texas Capital Bank Moving Into Stonelake’s 415 Colorado in Austin - The Real Deal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNT1ZLUktnTDJsZ1RsMHh2dFd5VmNjNWZHTGVjSHVTUm9hLUx0ZEo3aWI0RE4wNmVMVTBxeEZuTXJ1cDJTclpjVFdZcUVMM1JrVUVoTXBUR2NKVXZOT2NESk5TVmxaam9CdnNnQU1WaEtZWlJPN0EzblRkMXZoVVdlWExtWW9INFRlS1BFWi15OHR6R3BPNWlBUFpLSFZDc29qZ0dpS2pXc0dwZw?oc=5) · The Real Deal
- 2026-05-27 [News | Texas Capital Bank to relocate to one of Austin's newest office towers - costar.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxQME4xWkctRW5zZ002THdRbGdHWjRGdnpoeExnekVDY0FlNzB4ZkgxMFJ3cENsVG5wQW9mVk01RGxacVByTC1EbTlPaVJGNW9hc0JoRHdMbTcxd1RiZlk1MkttbHI0cHVQOFF4X2RvZk5NT1hPVE1McU1tVmt0aFJZR3lCWm8yNEpNcmhkSmRMSk03azgtdlJWMUppZ1h5MWN6cEhMcDlSVmZneVV2ajNr?oc=5) · costar.com
- 2026-03-12 [TEXAS CAPITAL BANCSHARES INC/TX ($TCBI) Chair, President & CEO of the Company and Texas Capital Bank 2025 Pay Revealed - Quiver Quantitative](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQQUVQaTI0TV9qME5JRDJGbTlaLTlqVG9vSGJGVVN3TWozRTJ3T3lOZ0ctN2lxWmJPanZQamZrUGtpbTQ5S2E5NGZPbEZQWjFFWlRHeV9ycS1PWG5nTnFZWFZMMmZ0MVYzSnJiaHBKMlFEczFGeG1PbVhRNDhmMFlvZWJRcWVjc2p2cVZLQmZFcjFDblRkNF9HcDlrR0NONUlNT0V2ODVFOHJ6alBBbWVYNmtER3VyOGxjckZRY1lWVEkyc2hKM0htYU9MQ2xzUDFwcG1SUmdkQVl4emlLUW95Umt1d0FZSnpxa0ZQMlRZSVRLX1hQV0E?oc=5) · Quiver Quantitative

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34383 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "34383", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide