Performance Ratios (%) TCBI Peer Median Peer Average
ROAA 1.17 1.27 1.37
ROAE 12.65 12.36 13.40
Net Interest Margin 3.62 3.47 3.36
Efficiency Ratio 52.97 57.79 53.55
Loans / Deposits 105.83 89.95 80.18
Asset Quality Ratios (%)
NPAs / Assets 0.38 0.39 0.42
NCOs / Avg Loans 0.24 0.18 0.16
Reserves / Loans 0.84 0.92 0.86
Reserves / NPAs 188.08 128.92 135.00
Capital Ratios (%)
Tier 1 Capital 9.57 11.40 11.54
Tangible Equity / Tangible Assets 8.85 8.69 8.91
Total Equity / Total Assets 8.90 10.75 10.58
Market Ratios
Price / Earnings (x) 9.16 11.07 11.10
Price / Book (%) 112.18 131.61 136.44
Dividend Yield (%) 0.00 2.17 2.07
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 6/30/2019.

Peer financial data is as of 6/30/2019

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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