Texas Capital Bancshares Reports Strong Q1 2025 Results

Texas Capital Bancshares ( (TCBI) ) has released its Q1 earnings. Here is a breakdown of the information Texas Capital Bancshares presented to its investors.

Texas Capital Bancshares, Inc., the parent company of Texas Capital Bank, is a full-service financial services firm providing customized solutions in commercial banking, consumer banking, investment banking, and wealth management. Headquartered in Dallas, it serves clients nationwide with a strong presence in Texas.

In the first quarter of 2025, Texas Capital Bancshares reported a net income of $47 million, with net income available to common stockholders at $42.7 million, translating to $0.92 per diluted share. The company demonstrated strong balance sheet growth with a 9% increase in total deposits and a 7% rise in total loans year-over-year.

Key financial metrics highlighted include a robust net interest income of $236 million, an increase from the previous quarter, and a net interest margin of 3.19%. Despite a decrease in non-interest income due to lower investment banking fees, the company’s book value and tangible book value per share both rose by 11% year-over-year, reaching record levels. The provision for credit losses was $17 million, reflecting an increase in criticized loans and economic uncertainties.

The company’s capital ratios remain strong, with a CET1 ratio of 11.6% and a total capital ratio of 15.6%. Texas Capital Bancshares also repurchased 396,106 shares of its common stock during the quarter, indicating confidence in its financial stability and future prospects.

Looking ahead, Texas Capital Bancshares remains focused on achieving its financial targets for the latter half of the year, leveraging its diversified product suite and resilient balance sheet to support client objectives and navigate economic challenges.