We will be making updates to our website from 8:00 p.m. CST to 11:00 p.m. CST on 06/25. During this time, the website may experience some interruptions of functionality or be unavailable.

Security Alert: The industry is experiencing a widespread fraud issue. Fraudsters are posing as support teams in an attempt to steal personal and financial information. ‌Remember, Texas Capital will never ask you for your full account number, Online Banking password, PIN, secure access code or to reset your password through email, via SMS message or over the phone.

TCBI announces operating results for Q4 2015.

Published on Jan 20, 2016

Texas Capital Bancshares, Inc. (NASDAQ: TCBI), the parent company of Texas Capital Bank, announced earnings and operating results for the fourth quarter and full year of 2015.


“We are pleased to finish 2015 with solid earnings and continued growth in loans and deposits. The earnings results were achieved despite significant additional provisions from the adverse credit migration primarily in the energy portfolio. In addition, we incurred start-up costs associated with the launch of our new mortgage correspondent aggregation ("MCA") business,” said Keith Cargill, CEO. “We experienced another year of industry-leading growth in core loans held for investment as well as in mortgage finance loans. While we have encountered challenges related to the energy industry, we believe we are appropriately reserved for losses."

  • Loans held for investment ("LHI"), excluding mortgage finance, increased 2% and total LHI increased 5% on a linked quarter basis, growing 16% and 17%, respectively, from the fourth quarter of 2014.
  • Mortgage finance loans increased 15% on a linked quarter basis and increased 21% from the fourth quarter of 2014.
  • Demand deposits decreased 2% and total deposits decreased 1% on a linked quarter basis, growing 27% and 19%, respectively, from the fourth quarter of 2014.
  • Net income decreased 6% on a linked quarter basis and decreased 8% from the fourth quarter of 2014.
  • EPS decreased 7% on a linked quarter basis, and decreased 10% from the fourth quarter of 2014.