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Texas Capital Bancshares Balance Sheet 2025-2008 | TCBI
Brief overview of Texas Capital Bancshares's assets and capital
The review uses the five latest available annual reports between 2021 and 2025.
Assets finished at $31.5 billion versus $34.7 billion initially, losing -9.2%. The balance sheet contracted.
Liabilities followed the scale of the balance sheet: -11.5% versus -9.2% for assets. Leverage did not change materially.
A liability-heavy structure is normal for a financial institution; equity represents 11.5% of assets, from 9.2% initially.
Retained earnings reached $2.8 billion, changing +44.2% over the period. A positive accumulated result supports equity.
Conclusion
Texas Capital Bancshares's balance sheet profile is moderate. It should be considered alongside profitability, cash flow and liability maturities.
Annual Balance Sheet Texas Capital Bancshares
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-1.48 B | -2.53 B | -2.38 B | -4.08 B | -7.02 B | -5.81 B | -1.36 B | 1.39 B | 343 M | -395 M | 194 M | 211 M | 989 M | 1.77 B | 1.34 B | - | - | - |
Long Term Debt |
621 M | 660 M | 859 M | 931 M | 929 M | 3.4 B | 2.8 B | 4.3 B | 3.19 B | 2.39 B | 1.9 B | 1.5 B | 1.08 B | 1.87 B | 113 M | - | - | - |
Total Non Current Liabilities |
- | - | - | - | - | - | 396 M | 395 M | 395 M | 394 M | 394 M | 399 M | 224 M | 224 M | 113 M | - | - | - |
Total Liabilities |
27.9 B | 27.4 B | 25.2 B | 25.4 B | 31.5 B | 34.9 B | 29.7 B | 25.8 B | 22.9 B | 19.7 B | 17.3 B | 14.4 B | 10.6 B | 9.7 B | 7.52 B | 5.92 B | - | - |
Retained Earnings |
2.81 B | 2.5 B | 2.44 B | 2.26 B | 1.95 B | 1.71 B | 1.69 B | 1.38 B | 1.09 B | 903 M | 758 M | 623 M | 496 M | 382 M | 262 M | 186 M | - | - |
Total Assets |
31.5 B | 30.7 B | 28.4 B | 28.4 B | 34.7 B | 37.7 B | 32.5 B | 28.3 B | 25.1 B | 21.7 B | 18.9 B | 15.9 B | 11.7 B | 10.5 B | 8.14 B | 6.45 B | 15 B | - |
Cash and Cash Equivalents |
2.1 B | 3.19 B | 3.24 B | 5.01 B | 7.95 B | 9.21 B | 4.43 B | 3.08 B | 2.91 B | 2.84 B | 1.79 B | 1.33 B | 154 M | 206 M | 101 M | 180 M | 125 M | 82 M |
Book Value |
3.63 B | 3.37 B | 3.2 B | 3.06 B | 3.21 B | 2.87 B | 2.83 B | 2.5 B | 2.2 B | 2.01 B | 1.62 B | 1.48 B | 1.1 B | 836 M | 616 M | 528 M | 15 B | - |
Total Shareholders Equity |
3.63 B | 3.37 B | 3.2 B | 3.06 B | 3.21 B | 2.87 B | 2.8 B | 2.48 B | 2.2 B | 2.01 B | 1.62 B | 1.48 B | 1.1 B | 836 M | 616 M | 528 M | 481 M | 387 M |
All numbers in USD currency
Quarterly Balance Sheet Texas Capital Bancshares
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
501 M | 878 M | 620 M | 620 M | 661 M | 660 M | 660 M | 860 M | 858 M | 858 M | 932 M | 931 M | 931 M | 917 M | 929 M | 929 M | 928 M | 927 M | 929 M | 396 M | 396 M | 396 M | 396 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
30.3 B | 29.9 B | 28.9 B | 28.4 B | 27.9 B | 28.3 B | 26.7 B | 26 B | 26.6 B | 25.9 B | 25.5 B | 25.4 B | 27.5 B | 29.3 B | 28 B | 31.5 B | 33.3 B | 32.1 B | 31.5 B | 34.9 B | 34.9 B | 34.9 B | 34.9 B | 29.7 B | 29.7 B | 29.7 B | 29.7 B | 25.8 B | 25.8 B | 25.8 B | 25.8 B | 22.9 B | 22.9 B | 22.9 B | 22.9 B | 19.7 B | 19.7 B | 19.7 B | 19.7 B | 17.3 B | 17.3 B | 17.3 B | 17.3 B | 14.4 B | 14.4 B | 14.4 B | 14.4 B | 10.6 B | 10.6 B | 10.6 B | 10.6 B | 9.7 B | 9.7 B | 9.7 B | 9.7 B | 7.52 B | 7.52 B | 7.52 B | 7.52 B |
Retained Earnings |
2.95 B | 2.88 B | 2.71 B | 2.61 B | 2.54 B | 2.43 B | 2.49 B | 2.46 B | 2.42 B | 2.36 B | 2.3 B | 2.26 B | 2.05 B | 2.01 B | 1.98 B | 1.95 B | 1.89 B | 1.85 B | 1.95 B | 1.71 B | 1.71 B | 1.71 B | 1.71 B | 1.66 B | 1.66 B | 1.66 B | 1.69 B | 1.36 B | 1.38 B | 1.38 B | 1.38 B | 1.08 B | 1.09 B | 1.09 B | 1.09 B | 892 M | 903 M | 903 M | 903 M | 758 M | 758 M | 758 M | 758 M | 623 M | 623 M | 623 M | 623 M | 496 M | 496 M | 496 M | 496 M | 382 M | 382 M | 382 M | 382 M | 262 M | 262 M | 262 M | 262 M |
Total Assets |
33.9 B | 33.5 B | 32.5 B | 31.9 B | 31.4 B | 31.6 B | 29.9 B | 29.2 B | 29.6 B | 29 B | 28.6 B | 28.4 B | 30.4 B | 32.3 B | 31.1 B | 34.7 B | 36.4 B | 35.2 B | 34.7 B | 37.7 B | 37.7 B | 37.7 B | 37.7 B | 32.5 B | 32.5 B | 32.5 B | 32.5 B | 28.3 B | 28.3 B | 28.3 B | 28.3 B | 25.1 B | 25.1 B | 25.1 B | 25.1 B | 21.7 B | 21.7 B | 21.7 B | 21.7 B | 18.9 B | 18.9 B | 18.9 B | 18.9 B | 15.9 B | 15.9 B | 15.9 B | 15.9 B | 11.7 B | 11.7 B | 11.7 B | 11.7 B | 10.5 B | 10.5 B | 10.5 B | 10.5 B | 8.14 B | 8.14 B | 8.14 B | 8.14 B |
Cash and Cash Equivalents |
3.7 B | 2.96 B | 3.06 B | 2.69 B | 3.8 B | 4.19 B | 2.91 B | 3.32 B | 4.19 B | 2.85 B | 3.65 B | 5.01 B | 3.64 B | 4.28 B | 5.37 B | 7.95 B | 8.54 B | 6.97 B | 7.95 B | 9.21 B | 9.21 B | 9.21 B | 9.21 B | 4.43 B | 5.21 B | 3.64 B | 2.33 B | 3.08 B | 3.08 B | 3.08 B | 3.08 B | 2.91 B | 2.91 B | 2.91 B | 2.91 B | 2.84 B | 2.84 B | 2.84 B | 2.84 B | 1.79 B | 1.79 B | 1.79 B | 1.79 B | 1.33 B | 1.33 B | 1.33 B | 1.33 B | 154 M | 154 M | 154 M | 154 M | 206 M | 206 M | 206 M | 206 M | 111 M | 111 M | 111 M | 101 M |
Book Value |
3.65 B | 3.61 B | 3.64 B | 3.51 B | 3.43 B | 3.35 B | 3.18 B | 3.17 B | 3.08 B | 3.08 B | 3.08 B | 3.06 B | 2.89 B | 3.01 B | 3.09 B | 3.21 B | 3.15 B | 3.11 B | 3.21 B | 2.87 B | 2.87 B | 2.87 B | 2.87 B | 2.8 B | 2.8 B | 2.8 B | 2.83 B | 2.48 B | 2.5 B | 2.5 B | 2.5 B | 2.19 B | 2.2 B | 2.2 B | 2.2 B | 2.01 B | 2.01 B | 2.01 B | 2.01 B | 1.62 B | 1.62 B | 1.62 B | 1.62 B | 1.48 B | 1.48 B | 1.48 B | 1.48 B | 1.1 B | 1.1 B | 1.1 B | 1.1 B | 836 M | 836 M | 836 M | 836 M | 616 M | 616 M | 616 M | 616 M |
Total Shareholders Equity |
3.65 B | 3.61 B | 3.64 B | 3.51 B | 3.43 B | 3.35 B | 3.18 B | 3.17 B | 3.08 B | 3.08 B | 3.08 B | 3.06 B | 2.89 B | 3.01 B | 3.09 B | 3.21 B | 3.15 B | 3.11 B | 3.21 B | 2.87 B | 2.87 B | 2.87 B | 2.87 B | 2.8 B | 2.8 B | 2.8 B | 2.83 B | 2.48 B | 2.5 B | 2.5 B | 2.5 B | 2.19 B | 2.2 B | 2.2 B | 2.2 B | 2 B | 2.01 B | 2.01 B | 2.01 B | 1.62 B | 1.62 B | 1.62 B | 1.62 B | 1.48 B | 1.48 B | 1.48 B | 1.48 B | 1.1 B | 1.1 B | -1.1 B | -1.1 B | 836 M | -836 M | -836 M | -836 M | 616 M | 616 M | 616 M | 616 M |
All numbers in USD currency
Balance Sheet is a fundamental financial report of Texas Capital Bancshares, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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