Texas Capital Bancshares Reports Strong Financial Growth with $77.3 Million Net Income

Texas Capital Bancshares, Inc. reported significant financial growth in its latest quarterly filing for the period ending June 30, 2025. The company achieved a net income of $77.3 million, or $1.58 per diluted share, compared to $41.7 million, or $0.80 per diluted share, in the same quarter of the previous year. For the first half of 2025, net income reached $124.4 million, up from $67.8 million in the prior year, reflecting a strong increase in net interest income, which rose to $489.4 million from $431.6 million year-over-year.

The company’s total assets increased to $31.9 billion as of June 30, 2025, up from $30.7 billion at the end of 2024. This growth was driven by a rise in loans held for investment, which reached $24.0 billion, an increase of $1.5 billion from the previous year-end. The increase in loans was primarily attributed to growth in commercial and mortgage finance segments, although consumer loans saw a slight decline. The provision for credit losses decreased to $32.0 million for the first half of 2025, down from $39.0 million in the same period of 2024, indicating improved credit quality.

In terms of operational developments, Texas Capital Bancshares has been actively managing its capital structure. The company repurchased 713,966 shares of its common stock for approximately $52.2 million during the first half of 2025, as part of a $200 million share repurchase program authorized in January 2025. The company’s total deposits also increased to $26.1 billion, up from $25.2 billion at the end of 2024, with a notable shift towards customer deposits, which constituted 99.2% of total deposits.

Looking ahead, Texas Capital Bancshares expressed optimism about its growth trajectory, supported by a strong capital position and a focus on expanding its loan portfolio. The company’s management highlighted the importance of maintaining liquidity and managing interest rate risk, particularly in a fluctuating economic environment. The bank's capital ratios remain well above regulatory requirements, positioning it favorably for future growth opportunities. The company continues to monitor market conditions and customer behavior to adapt its strategies accordingly.