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Shares of Texas Capital Bancshares, Inc. (TCBI) increased by 4.5% during trading on September 29, 2025, following better-than-expected quarterly results. The company reported adjusted earnings per share (EPS) of $1.63 for the second quarter of 2025, exceeding the Zacks Consensus Estimate of $1.28 and up from $0.80 a year ago. Net income for common shareholders reached $73 million, a notable increase from $37.3 million in the prior year.
Key Financial Metrics
Total quarterly revenues rose by 15.2% year-over-year to $307.4 million, although this figure missed estimates by 3.1%. Net interest income (NII) increased by 16.9% to $253.4 million. As of June 30, 2025, total average loans held for investment increased by 6.9% to $23.6 billion, and total deposits rose slightly to $26.1 billion.
Credit Quality and Capital Ratios
Total non-performing assets rose by 33.6% to $113.6 million, while provisions for credit losses fell by 25% to $15 million. Capital ratios showed mixed results, with tangible common equity to total tangible assets growing to 10.1% from 9.6% a year prior, but the leverage ratio decreased to 11.8% from 12.2%.
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