Texas Capital Bancshares, Inc. reported a strong second quarter 2025 with net income of $77.3 million, a significant increase from the previous year. Earnings per share also rose by 98% to $1.58, reflecting the company’s growth. Total loans increased by 7% quarter-over-quarter, and 10% year-over-year, showing a robust balance sheet growth. Book Value and Tangible Book Value per share both saw a 13% increase year-over-year, reaching record levels.
The company’s strategic focus on building a full-service financial services firm paid off in the second quarter of 2025. CEO Rob C. Holmes highlighted the firm’s strong financial performance and enhanced earnings power. With a diverse range of capabilities and a solid balance sheet, Texas Capital Bancshares is well-positioned to deliver consistent results for clients and shareholders in the future.
Comparing the second quarter of 2025 to the first quarter, Texas Capital Bancshares saw a significant increase in net income available to common stockholders, reaching $73.0 million. The provision for credit losses decreased to $15.0 million, indicating a stronger financial position. Net interest income also rose to $253.4 million, driven by increases in earning assets and lower funding costs.
Non-interest income for the second quarter of 2025 increased by $9.6 million compared to the first quarter, mainly due to higher investment banking and advisory fees. Non-interest expense decreased by $12.7 million, primarily driven by lower salaries and benefits. Overall, the company’s financial performance improved across various metrics in the second quarter.
Net interest income for the second quarter of 2025 was $253.4 million, up from $216.6 million in the same period last year. This increase was attributed to growth in earning assets and lower funding costs. With a net interest margin of 3.35%, Texas Capital Bancshares demonstrated strong financial performance in the second quarter.
Texas Capital Bancshares also reported on credit quality, with net charge-offs increasing to $13.0 million in the second quarter of 2025. However, criticized loans decreased to $637.5 million compared to previous periods. The company maintained a healthy ratio of allowance for credit losses to total loans, indicating a prudent approach to risk management.
The company’s regulatory ratios remain strong, with all ratios exceeding “well-capitalized” requirements as of June 30, 2025. Texas Capital Bancshares repurchased shares of its common stock during the second quarter, further enhancing shareholder value. The firm’s focus on capital management and financial stability is reflected in its robust regulatory ratios and capital position.
In conclusion, Texas Capital Bancshares, Inc. delivered impressive financial results in the second quarter of 2025, demonstrating strong growth and enhanced performance across various key metrics. The company’s strategic focus on building a full-service financial services firm has paid off, positioning it well for continued success in the future.
Read more at GlobeNewswire: Texas Capital Bancshares, Inc. Announces Second Quarter