Performance Ratios (%) TCBI Peer Median Peer Average
ROAA 1.04 1.19 1.28
ROAE 12.05 11.34 12.41
Net Interest Margin 3.26 3.27 3.22
Efficiency Ratio 54.60 58.46 55.26
Loans / Deposits 93.08 83.88 77.94
Asset Quality Ratios (%)
NPAs / Assets 0.69 0.39 0.38
NCOs / Avg Loans 0.28 0.21 0.18
Reserves / Loans 0.72 0.89 0.81
Reserves / NPAs 86.54 119.06 136.14
Capital Ratios (%)
Tier 1 Capital 9.75 11.51 11.72
Tangible Equity / Tangible Assets 8.65 9.04 9.01
Total Equity / Total Assets 8.70 10.79 10.66
Market Ratios
Price / Earnings (x) 3.57 6.82 6.78
Price / Book (%) 41.61 76.03 80.05
Dividend Yield (%) 0.00 4.10 3.62
Data for trailing four quarters

Texas Capital Bancshares, Inc.'s peer group consists of the following: Associated Banc-Corp (ASB), BOK Financial Corporation (BOKF), Cullen/Frost Bankers, Inc. (CFR), Signature Bank (SBNY), SVB Financial Group (SIVB), Wintrust Financial Corporation (WTFC)

Texas Capital Bancshares, Inc.'s financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019

Contact Information

Texas Capital Bancshares, Inc.,
2000 McKinney Avenue
Suite 700
Dallas, TX 75201
(214) 932-6600

Investor Relations Contact
Melissa Harris
(214) 932-6675
melissa.harris@
texascapitalbank.com

Transfer Agent
Computershare Investor Services LLC

By Mail:
Computershare
P.O. Box 505000
Louisville, KY 40233-5000

By Courier or Overnight Delivery:
Computershare
462 South 4th Street, Suite 1600
Louisville, KY 40202-3467

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