Performance Ratios (%) TCBI Peer Median Peer Average
ROAA 1.11 1.24 1.34
ROAE 12.35 11.95 12.97
Net Interest Margin 3.47 3.40 3.31
Efficiency Ratio 53.17 57.81 53.93
Loans / Deposits 90.19 87.36 78.54
Asset Quality Ratios (%)
NPAs / Assets 0.36 0.38 0.38
NCOs / Avg Loans 0.37 0.18 0.17
Reserves / Loans 0.69 0.92 0.83
Reserves / NPAs 157.55 124.94 140.40
Capital Ratios (%)
Tier 1 Capital 9.45 11.61 11.64
Tangible Equity / Tangible Assets 8.17 8.67 8.96
Total Equity / Total Assets 8.22 10.68 10.60
Market Ratios
Price / Earnings (x) 9.37 11.44 11.70
Price / Book (%) 111.71 133.89 140.23
Dividend Yield (%) 0.00 2.10 2.00
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 9/30/2019.

Peer financial data is as of 9/30/2019

Contact Information

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

Investor Relations Contact
Heather Worley
(214) 932-6646
heather.worley@
texascapitalbank.com

Transfer Agent
Computershare Investor Services LLC
Two North Lasalle Street
Third Floor
Chicago, IL 60602
(800) 568-3476
(312) 588-4990

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