Texas Capital Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Texas Capital Bancshares has total assets of $30.7B and total equity of $3.4B. Total deposits are $25.2B, and total loans are $22.2B. It earns a Net Interest Margin of 3.2%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $3.2B.
Key information
9.1x
Asset to equity ratio
3.2%
Net interest margin
| Total deposits | US$25.24b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.5% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$3.19b |
Recent financial health updates
No updates
Recent updates
Texas Capital Bancshares: A Stalemate That Has Lasted For Years
Jan 26Texas Capital Bancshares: Preferred Shares Provide Attractive Yield
Oct 20Texas Capital Bancshares: Still A 'Show Me' Story
Sep 26Texas Capital Bancshares: Downgrading The Preferred To Hold On Lower Yields
Jul 02Texas Capital Bancshares: NIM Returns To Growth, But AOCI Worries Again
Apr 19Texas Capital Bancshares: Non-Interest-Bearing Deposits Plummet But Buyback Continues
Jan 20Do Texas Capital Bancshares' (NASDAQ:TCBI) Earnings Warrant Your Attention?
Sep 11
Should You Be Adding Texas Capital Bancshares (NASDAQ:TCBI) To Your Watchlist Today?
Jun 07If EPS Growth Is Important To You, Texas Capital Bancshares (NASDAQ:TCBI) Presents An Opportunity
Mar 08Texas Capital Bancshares GAAP EPS of $0.74 misses by $0.30, revenue of $264.41M beats by $43.61M
Oct 19Texas Capital Bancshares: BankDirect Divestiture Not Enough To Justify Steep Valuation Premium
Sep 25Truist Financial to buy insurance premium finance company from Texas Capital
Sep 06Texas Capital Bancshares GAAP EPS of $0.59 misses by $0.38, revenue of $231.77M beats by $17.17M
Jul 21Texas Capital Will Still Emerge From The Troughs But Investors Must Be Patient
Jul 12Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: TCBI's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: TCBI has a sufficient allowance for bad loans (244%).
Low Risk Liabilities: 92% of TCBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: TCBI has an appropriate level of Loans to Assets ratio (72%).
Low Risk Deposits: TCBI's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: TCBI has an appropriate level of bad loans (0.5%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/06 10:12 |
| End of Day Share Price | 2025/02/06 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Texas Capital Bancshares, Inc. is covered by 29 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jason Goldberg | Barclays |
| Jared Shaw | Barclays |
| Brandon Berman | BofA Global Research |