EarningsQ2 2026 Earnings Report
DE:TCA Q2 2026 EPS Results
Actual EPS€1.63
Consensus EPS€1.67
Beat/MissMissed by -€0.04
One Year Ago EPS€1.41
DE:TCA Q2 2026 Revenue Results
Actual Revenue€458.49M
Expected Revenue€297.05M
Beat/MissBeat by +€161.44M
YoY Revenue Growth+4.00%
Earnings Announcement Details
QuarterQ2 2026
Date07/22/2026
TimeAfter Close
Conference CallWednesday, July 22, 2026
DE:TCA Upcoming Earnings
Texas Capital Bancshares's next earnings date is estimated for October 21, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
DE:TCA Q2 2026 Earnings Call
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Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Positive
The call was broadly positive: management reported strong, diversified revenue growth led by record fee income, double-digit improvements in tangible book value and sustained commercial loan and deposit growth. Capital ratios and allowances remain robust, and management is executing buybacks and a dividend while investing in front-line talent and technology. Near-term headwinds include CRE portfolio contraction, a modest rise in criticized credits and temporary margin pressure due to mortgage seasonality and funding mix, plus elevated but temporary noninterest expense items. On balance, the firm showcased momentum, disciplined credit posture and capital flexibility that outweigh the nearer-term challenges.Company Guidance
Adjusted EPS and Earnings Growth
Adjusted earnings per share rose 15% year-over-year to $1.88; adjusted net income to common increased 9% to $82.7 million and GAAP net income to common rose 10% to $80.6 million, reflecting sustained earnings momentum.
Record and Rapidly Growing Fee Income
Noninterest income reached $75.1 million (record); fee income from areas of focus was a record $60.5 million (reported up ~28% year-over-year); investment banking fees were $42.8 million, up 34% year-over-year; wealth management fees were $5.1 million, up 38% with AUM up 15% to $4.8 billion; treasury product fees were $12.5 million, up 8% year-over-year.
Revenue and Operating Leverage Expansion
Total revenue grew $28 million or 9% year-over-year (management also referenced an ~8% adjusted total revenue increase); pre-provision net revenue rose 11% year-over-year to $130 million and adjusted PPNR increased 10% to $132.7 million, marking the sixth consecutive quarter of year-over-year expansion.
Strong Loan and Deposit Growth
Period-end commercial loans were $13.0 billion, up $1.2 billion or 10% year-over-year and up $507 million linked quarter (4%), representing the tenth consecutive quarter of commercial loan growth; total deposits were $28.9 billion, up $2.8 billion or 11% year-over-year with commercial noninterest-bearing deposits increasing materially.
Balance Sheet and Capital Strength
Tangible book value per share rose 10% year-over-year to $76.98 (ninth consecutive quarterly record); CET1 ratio was 12.07% and tangible common equity to tangible assets was 9.87%; allowance for credit losses including off-balance sheet reserves remained near an all-time high at $333 million.
Shareholder Returns and Capital Actions
Repurchased approximately 239,000 shares for $23.6–24.0 million at a weighted average price of $97.63; declared and paid the inaugural common stock cash dividend; management indicated $102 million of buyback authority remaining and continued disciplined capital deployment.
Mortgage Finance Risk Management and Product Momentum
Average mortgage finance loans increased 18% year-over-year to $6.3 billion, with enhanced credit structures representing 69% of balances and a blended risk weight of 54%; management expects this ~70% mix to remain and cited this structure as providing ~113 bps of CET1 benefit since Q4 2024.
DE:TCA Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed