TEXAS CAPITAL BANCSHARES INC

Texas Capital Bancshares, Inc. (Nasdaq: TCBI) is a registered bank holding company and full-service financial services firm headquartered in Dallas that delivers customized solutions to businesses, entrepreneurs, and individual customers. The company's business activities are conducted primarily through its wholly-owned bank subsidiary Texas Capital Bank, a Texas state-chartered member bank of the Federal Reserve System, and its wholly-owned non-bank subsidiary Texas Capital Securities, a registered broker-dealer with the SEC and member of FINRA and MSRB.

The company operates banking centers in Austin, Dallas, Fort Worth, Houston, and San Antonio with a network of clients across the country. Texas Capital Bancshares targets commercial businesses, entrepreneurs, and professionals who meet specific client characteristics and credit standards. The company's core business encompasses commercial lending, real estate term and construction loans, mortgage warehouse lending and mortgage finance services, treasury management solutions, investment banking and advisory services, and private banking. For individual customers, the company provides personal wealth management, trust services, deposit products, loans, and online and mobile banking. The company also operates Bask Bank, an online division offering depositors American Airlines AAdvantage miles in lieu of cash interest along with traditional deposit products.

As of December 31, 2025, the company employed 1,785 full-time employees, nearly all based in Texas. The company maintains an appropriately diversified loan portfolio with credit policies tailored to address unique risks associated with each industry represented. Treasury solutions include payment and receivables capabilities, deposit products, and liquidity management solutions. Investment banking services encompass financial advisory, securities underwriting, sales and trading, and research services.

The company's strategic focus emphasizes maintaining financial resiliency through market and rate cycles while serving clients throughout their life cycles. Texas Capital Bancshares competes with global, national, regional, and local banking organizations as well as non-bank financial institutions, fintech companies, and other financial service providers. The company believes its Texas-based headquarters and decision-making authority provide competitive differentiation, along with experienced bankers with expertise in specific industries and established community ties in target markets.