Texas Capital achieved record results in 2025, with ROAA at 1.04%, showing fundamental improvement. They reported record total revenue of $1.3 billion and record net income of $314 million. Commercial loan growth was $1.1 billion, and interest-bearing deposits increased $1.7 billion year over year. They initiated share repurchases and saw tangible common equity rise to 10.56%. The focus is now on executing with discipline and scaling with intention to deliver consistent superior returns. The bank’s credit quality remains strong, with low provision expense and positive grade migration trends.

Texas Capital’s disciplined capital management program contributed to a 13.4% year-over-year growth in tangible book value per share. They have ample capital and plan to maintain a strong capital position by selectively managing debt instruments that are maturing or becoming callable. The bank has a range of businesses where they aim to achieve scale, including sales and trading, equity, public finance, and treasury. The relationship management return hurdle exercise has evolved into a cultural practice that institutionalizes client relationships and drives value across the organization. The bank is optimistic about their future potential and is focused on executing and scaling their operations effectively.

Read more at Yahoo Finance: Texas Capital Q4 2025 Earnings Call Transcript