Texas Capital Bancshares, Inc. is a registered bank holding company and a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs and individual customers. The company conducts its business primarily through its wholly-owned bank subsidiary Texas Capital Bank and its wholly-owned non-bank subsidiary Texas Capital Securities. Headquartered in Dallas, Texas Capital Bancshares maintains banking offices in Austin, Dallas, Fort Worth, Houston and San Antonio and serves clients across the United States.

Texas Capital Bancshares generates revenue primarily from interest income on its loan portfolio and from fees associated with deposit accounts, wealth management, treasury services and investment banking activities. The company offers commercial loans, real estate term and construction loans, mortgage warehouse lending, treasury management solutions, online banking, foreign exchange, debit and credit card services, investment advisory, private wealth management, trust services and the Bask Bank platform that provides deposit products linked to airline miles. Revenue is derived from serving business customers such as corporations and entrepreneurs as well as individual consumers seeking personal banking and investment services.

Texas Capital Bancshares positions itself as a leading Texas-based full-service financial services firm that emphasizes local decision-making and relationship-driven banking. The company competes with large national and global banks, regional bank holding companies, non-bank financial institutions, financial technology firms, securities firms and credit unions operating in Texas. Its competitive advantages include deep Texas roots, a focus on commercial businesses and entrepreneurs, the ability to tailor products to client needs and a commitment to maintaining strong liquidity, capital and credit reserves.

Texas Capital Bancshares serves a diverse customer base that includes commercial businesses, entrepreneurs, professionals and individual consumers across various industries. The company does not disclose specific customer names in its filing, but its relationships span corporations, real estate developers, high-net-worth individuals and retail clients seeking banking, wealth management and investment services.