Performance Ratios (%) TCBI Peer Median Peer Average
ROAA 1.19 1.23 1.31
ROAE 12.72 12.06 13.13
Net Interest Margin 3.75 3.38 3.32
Efficiency Ratio 52.64 58.17 53.74
Loans / Deposits 109.52 88.50 79.78
Asset Quality Ratios (%)
NPAs / Assets 0.28 0.46 0.41
NCOs / Avg Loans 0.35 0.20 0.22
Reserves / Loans 0.78 0.94 0.86
Reserves / NPAs 238.05 121.37 140.39
Capital Ratios (%)
Tier 1 Capital 9.53 11.72 11.83
Tangible Equity / Tangible Assets 8.79 8.74 8.72
Total Equity / Total Assets 8.85 10.45 10.39
Market Ratios
Price / Earnings (x) 10.33 13.49 13.64
Price / Book (%) 127.77 156.30 169.12
Dividend Yield (%) 0.00 1.97 1.79
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 12/31/2018.

Peer financial data is as of 12/31/2018

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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