Texas Capital Bancshares Q4 Earnings Call Highlights

13 hours ago 1

MarketBeat

Thu, January 22, 2026 astatine 10:10 AM CST 8 min read

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2025 was a "defining year": Texas Capital posted grounds gross and net with adjusted ROAA of 1.04% for the twelvemonth and adjusted nett income to communal of $313.8M (up 53% YoY), driven by operating leverage and diversified interest income.
Balance-sheet dynamics: Commercial loans grew (LHI up $1.6B YoY; commercialized loans +10% to $12.3B) portion commercialized existent property ran disconnected ($301M Q4 decline) and is expected to diminution astir 10% successful 2026, adjacent arsenic owe concern balances roseate astir 12% with 59% present successful enhanced recognition structures.
Capital, fees and outlook: Fee-based gross reached records (adjusted $229M) and concern banking scaled, CET1 roseate to 12.1% with $184M of buybacks successful 2025, and absorption guides mid‑to‑high‑single‑digit gross maturation for 2026 portion raising proviso guidance to 35–40 bps of mean LHI (ex‑mortgage finance).
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Texas Capital Bancshares (NASDAQ:TCBI) executives utilized the company’s fourth-quarter and full-year 2025 net telephone to item what CEO Rob Holmes described arsenic the completion of a multi-year translation and a displacement toward “consistent execution and compounding returns.” Management emphasized grounds profitability and superior metrics successful 2025, alongside maturation successful targeted commercialized lending and fee-based businesses.

Holmes said Texas Capital achieved its stated fiscal targets successful the 3rd 4th and reinforced that show successful the 4th fourth with an adjusted instrumentality connected mean assets (ROAA) of 1.2%. He characterized the results arsenic grounds that the company’s show was sustainable and driven by “client obsession,” operational execution, and a concern premix progressively centered connected higher-value lawsuit segments.

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For the afloat year, absorption reported adjusted ROAA of 1.04%, up 30 ground points from 2024. Holmes pointed to grounds metrics crossed revenue, earnings, and tangible capital, and said the company’s infrastructure and platforms are “designed for scale.” He besides singled retired the diversification of interest income arsenic a cardinal operator of improved profitability and reduced net volatility.

CFO Matt Scurlock said fourth-quarter results “capped a grounds year,” noting that adjusted ROAA exceeded the company’s bequest 1.1% people for the 2nd consecutive quarter. Scurlock reported fourth-quarter gross of $327.5 million, up 15% twelvemonth implicit year.