Performance Ratios (%) TCBI Peer Median Peer Average
ROAA 0.29 1.02 0.99
ROAE 3.61 9.16 9.77
Net Interest Margin 2.77 2.96 3.00
Efficiency Ratio 61.19 58.70 56.20
Loans / Deposits 84.55 79.68 74.53
Asset Quality Ratios (%)
NPAs / Assets 0.48 0.45 0.42
NCOs / Avg Loans 0.67 0.25 0.28
Reserves / Loans 1.02 1.42 1.36
Reserves / NPAs 152.11 170.09 221.28
Capital Ratios (%)
Tier 1 Capital 9.77 11.53 11.61
Tangible Equity / Tangible Assets 7.42 8.40 8.33
Total Equity / Total Assets 7.47 9.67 9.76
Market Ratios
Price / Earnings (x) 17.47 9.63 10.22
Price / Book (%) 62.05 86.22 97.37
Dividend Yield (%) 0.00 3.28 3.09
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 6/30/2020.

Peer financial data is as of 6/30/2020

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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