Texas Capital Bancshares, Inc. (TCBI) Balance Sheet
TCBI balance sheet, 2025
December 31, 2025 · U.S. dollars$31.54B assets = $27.91B liabilities + $3.63B equity
Both columns are drawn to the same scale: what TCBI owns equals what it owes plus shareholders’ equity. Hover a block for its value.
TCBI financial health
Descriptive bands, not a rating. Fiscal 2025.
TCBI balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $21.70B2016 | $31.54B2025 | +4.2%/yr | |
| Total liabilities | $19.69B2016 | $27.91B2025 | +4.0%/yr | |
| Shareholders’ equity | $2.01B2016 | $3.63B2025 | +6.8%/yr | |
| Cash & short-term investments | $2.84B2016 | $2.10B2025 | −3.3%/yr | |
| Total debt | $4.50B2016 | $950.6M2025 | −15.9%/yr | |
| Net cash (debt) | −$1.66B2016 | $1.15B2025 | +$2.8B | |
| Working capital | $21.60B2016 | −$24.68B2025 | −$46.3B | |
| Book value per share | $42.972016 | $79.902025 | +7.1%/yr | |
| Debt / equity | 2.242016 | 0.262025 | −1.98 | |
| Shares outstanding | 46.8M2016 | 45.4M2025 | −0.3%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
TCBI assets
TCBI liabilities and equity
TCBI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
TCBI balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $2.10B | $3.37B | $6.47B | $9.49B | $11.53B | $12.40B | $4.64B | $3.15B | $2.90B | $2.84B |
| Cash & equivalents | $2.10B | $3.19B | $3.24B | $5.01B | $7.95B | $9.21B | $4.40B | $3.03B | $2.88B | $2.81B |
| Short-term investments | $3.9M | $182.9M | $3.23B | $2.62B | $3.58B | $3.20B | $239.9M | $120.2M | $23.5M | $24.9M |
| Receivables | $854.6M | $0 | $801.7M | $719.2M | $559.9M | $715.7M | $740.1M | $626.6M | $516.2M | $465.9M |
| Inventory | $0 | $0 | −$4.17B | −$5.84B | −$8.00B | −$9.27B | −$4.49B | $79,000 | $11.7M | $19.0M |
| Other current assets | $0 | $0 | $4.17B | $5.12B | $8.00B | $9.27B | $4.49B | $24.28B | $21.50B | $18.28B |
| Total current assets | $2.10B | $3.37B | $7.27B | $9.49B | $12.09B | $13.12B | $5.38B | $28.05B | $24.92B | $21.60B |
| Property, plant & equipment (net) | $88.0M | $85.4M | $32.4M | $26.4M | $20.9M | $24.5M | $31.2M | $23.8M | $25.2M | $19.8M |
| Goodwill & intangible assets | $1.5M | $1.5M | $1.5M | $3.0M | $19.4M | $123.1M | $83.0M | $61.0M | $104.4M | $48.0M |
| Long-term investments | $4.72B | $4.40B | $4.14B | $3.59B | $26.19B | $27.66B | $239.9M | $24.47B | $21.50B | $18.30B |
| Other non-current assets | $24.62B | $22.88B | $16.91B | $15.31B | $0 | $0 | $26.82B | $0 | $0 | $0 |
| Total assets | $31.54B | $30.73B | $28.36B | $28.41B | $34.73B | $37.73B | $32.55B | $28.26B | $25.08B | $21.70B |
| Liabilities | ||||||||||
| Accounts payable | $6.7M | $23.7M | $33.2M | $24.0M | $7.7M | $11.2M | $12.8M | $20.7M | $7.7M | $5.5M |
| Short-term debt | $330.0M | $885.0M | $1.50B | $1.20B | $2.20B | $3.13B | $2.54B | $4.54B | $3.17B | $2.11B |
| Deferred revenue | — | — | — | — | −$2.19B | −$3.12B | −$2.53B | −$4.52B | −$3.16B | −$2.10B |
| Total current liabilities | $26.79B | $26.15B | $23.91B | $1.83B | $7.7M | $11.2M | $12.8M | $20.7M | $7.7M | $5.5M |
| Long-term debt | $620.6M | $660.3M | $859.1M | $2.13B | $3.13B | $3.40B | $395.5M | $4.30B | $3.19B | $2.39B |
| Other long-term liabilities | $502.8M | $556.3M | $392.9M | $11.75B | $0 | $0 | $2.40B | $0 | $0 | $0 |
| Total liabilities | $27.91B | $27.36B | $25.16B | $25.36B | $31.52B | $34.85B | $29.72B | $25.76B | $22.87B | $19.69B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $518,000 | $515,000 | $511,000 | $509,000 | $506,000 | $504,000 | $503,000 | $502,000 | $496,000 | $495,000 |
| Retained earnings (deficit) | $2.81B | $2.50B | $2.44B | $2.26B | $1.95B | $1.71B | $1.69B | $1.38B | $1.09B | $903.2M |
| Treasury stock | — | — | — | −$115.3M | −$8,000 | −$8,000 | −$8,000 | −$8,000 | −$8,000 | −$8,000 |
| Accumulated other comprehensive income | −$64.6M | −$183.1M | −$362.0M | −$418.9M | −$47.7M | $15.8M | $8.9M | $518,000 | $428,000 | $415,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $3.63B | $3.37B | $3.20B | $3.06B | $3.21B | $2.87B | $2.83B | $2.50B | $2.20B | $2.01B |
| Key figures | ||||||||||
| Total debt | $950.6M | $1.55B | $2.36B | $3.33B | $5.33B | $6.52B | $2.94B | $8.84B | $6.36B | $4.50B |
| Net cash (debt) | $1.15B | $1.83B | $4.11B | $6.16B | $6.20B | $5.88B | $1.70B | −$5.69B | −$3.46B | −$1.66B |
| Working capital | −$24.68B | −$22.78B | −$16.63B | $7.66B | $12.08B | $13.11B | $5.36B | $28.03B | $24.91B | $21.60B |
| Tangible book value | $3.63B | $3.37B | $3.20B | $3.05B | $3.19B | $2.75B | $2.75B | $2.44B | $2.10B | $1.96B |
| Book value per share | $79.90 | $71.67 | $65.81 | $59.85 | $62.76 | $56.76 | $56.17 | $49.74 | $43.83 | $42.97 |
| Shares outstanding | 45.4M | 47.0M | 48.6M | 51.0M | 51.1M | 50.6M | 50.4M | 50.3M | 50.3M | 46.8M |
| Current ratio | 0.08 | 0.13 | 0.30 | 5.19 | 1,570.38 | 1,176.60 | 421.28 | 1,356.84 | 3,245.13 | 3,929.51 |
| Quick ratio | 0.11 | 0.13 | 0.30 | 5.58 | 1,570.38 | 1,176.60 | 421.28 | 182.67 | 444.71 | 601.16 |
| Debt / equity | 0.26 | 0.46 | 0.74 | 1.09 | 1.66 | 2.27 | 1.04 | 3.53 | 2.89 | 2.24 |
| Equity / assets | 11.5% | 11.0% | 11.3% | 10.8% | 9.2% | 7.6% | 8.7% | 8.8% | 8.8% | 9.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $8.26B | $2.96B | $2.10B | $6.87B | $2.69B | $4.08B | $3.37B | $7.71B | $6.40B | $6.81B | $6.47B | $7.34B |
| Cash & equivalents | $3.70B | $2.96B | $2.10B | $3.06B | $2.69B | $3.80B | $3.19B | $4.19B | $2.91B | $3.32B | $3.24B | $4.19B |
| Short-term investments | $4.56B | $7.9M | $3.9M | $3.80B | $3.9M | $280.1M | $182.9M | $3.52B | $3.48B | $3.49B | $3.23B | $3.15B |
| Receivables | $127.4M | $121.5M | $854.6M | $0 | $0 | $0 | $0 | $0 | $0 | $794.0M | $801.7M | $809.7M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$4.45B | −$3.37B | −$5.13B |
| Other current assets | $750.8M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $4.45B | $3.37B | $5.13B |
| Total current assets | $9.14B | $2.96B | $2.10B | $6.87B | $2.69B | $4.08B | $3.37B | $7.71B | $6.40B | $7.60B | $7.27B | $8.15B |
| Property, plant & equipment (net) | $91.9M | $85.7M | $88.0M | $88.3M | $86.8M | $84.6M | $85.4M | $81.6M | $69.5M | $49.9M | $32.4M | $31.1M |
| Goodwill & intangible assets | $3.0M | $3.0M | $1.5M | $1.5M | $1.5M | $3.0M | $1.5M | $3.0M | $3.0M | $1.5M | $1.5M | $3.0M |
| Long-term investments | $4.56B | $4.67B | $4.72B | $4.60B | $4.61B | $4.53B | $4.40B | $4.41B | $4.39B | $4.41B | $4.14B | $4.07B |
| Other non-current assets | $20.11B | $25.76B | $24.62B | $20.98B | $24.56B | $22.67B | $22.88B | $19.43B | $19.00B | $17.11B | $16.91B | $17.37B |
| Total assets | $33.91B | $33.49B | $31.54B | $32.54B | $31.94B | $31.38B | $30.73B | $31.63B | $29.85B | $29.18B | $28.36B | $29.63B |
| Liabilities | ||||||||||||
| Accounts payable | $19.3M | $9.4M | $6.7M | $9.4M | $14.1M | $25.3M | $23.7M | $18.7M | $23.8M | $32.4M | $33.2M | $31.1M |
| Short-term debt | $350.0M | — | $330.0M | $275.0M | $1.25B | $750.0M | $885.0M | $1.03B | $1.68B | $750.0M | $1.50B | $1.40B |
| Deferred revenue | — | — | — | — | — | — | — | — | −$23.8M | −$32.4M | — | — |
| Total current liabilities | $350.0M | $28.53B | $26.79B | $27.79B | $27.33B | $26.83B | $26.15B | $26.92B | $25.52B | $24.74B | $23.91B | $25.31B |
| Long-term debt | $500.9M | $878.3M | $620.6M | $620.4M | $620.3M | $660.5M | $660.3M | $660.2M | $660.0M | $859.8M | $859.1M | $858.5M |
| Other long-term liabilities | $29.41B | $475.9M | $502.8M | $489.7M | $484.8M | $457.1M | $556.3M | $696.1M | $502.2M | $413.7M | $392.9M | $382.0M |
| Total liabilities | $30.27B | $29.88B | $27.91B | $28.90B | $28.43B | $27.95B | $27.36B | $28.28B | $26.68B | $26.01B | $25.16B | $26.55B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $520,000 | $520,000 | $518,000 | $518,000 | $517,000 | $517,000 | $515,000 | $515,000 | $515,000 | $514,000 | $511,000 | $511,000 |
| Retained earnings (deficit) | $2.95B | $2.88B | $2.81B | $2.71B | $2.61B | $2.54B | $2.50B | $2.43B | $2.49B | $2.46B | $2.44B | $2.42B |
| Accumulated other comprehensive income | −$98.9M | −$86.7M | −$64.6M | −$84.2M | −$112.9M | −$136.2M | −$183.1M | −$128.2M | −$367.7M | −$379.9M | −$362.0M | −$505.9M |
| Total shareholders' equity | $3.65B | $3.61B | $3.63B | $3.64B | $3.51B | $3.43B | $3.37B | $3.35B | $3.18B | $3.17B | $3.20B | $3.08B |
| Key figures | ||||||||||||
| Total debt | $850.9M | $878.3M | $950.6M | $895.4M | $1.87B | $1.41B | $1.55B | $1.70B | $2.33B | $1.61B | $2.36B | $2.26B |
| Net cash (debt) | $7.41B | $2.09B | $1.15B | $5.97B | $823.8M | $2.67B | $1.83B | $6.02B | $4.06B | $5.20B | $4.11B | $5.08B |
| Working capital | $8.79B | −$25.56B | −$24.68B | −$20.92B | −$24.64B | −$22.75B | −$22.78B | −$19.21B | −$19.12B | −$17.13B | −$16.63B | −$17.16B |
| Tangible book value | $3.64B | $3.60B | $3.63B | $3.64B | $3.51B | $3.43B | $3.37B | $3.35B | $3.17B | $3.17B | $3.20B | $3.07B |
| Book value per share | $80.26 | $79.35 | $79.90 | $78.67 | $75.95 | $73.57 | $72.26 | $71.96 | $67.75 | $66.46 | $66.51 | $63.42 |
| Shares outstanding | 45.4M | 45.4M | 45.4M | 46.2M | 46.2M | 46.6M | 46.6M | 46.6M | 46.9M | 47.7M | 48.1M | 48.5M |
| Current ratio | 26.12 | 0.10 | 0.08 | 0.25 | 0.10 | 0.15 | 0.13 | 0.29 | 0.25 | 0.31 | 0.30 | 0.32 |
| Quick ratio | 23.98 | 0.11 | 0.11 | 0.25 | 0.10 | 0.15 | 0.13 | 0.29 | 0.25 | 0.31 | 0.30 | 0.32 |
| Debt / equity | 0.23 | 0.24 | 0.26 | 0.25 | 0.53 | 0.41 | 0.46 | 0.51 | 0.74 | 0.51 | 0.74 | 0.73 |
| Equity / assets | 10.8% | 10.8% | 11.5% | 11.2% | 11.0% | 10.9% | 11.0% | 10.6% | 10.6% | 10.9% | 11.3% | 10.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 10, 2026); data from EODHD.
TCBI financial position
At the end of fiscal 2025 (December 31, 2025), Texas Capital Bancshares had total assets of $31.5 billion (up 2.6% from a year earlier), total liabilities of $27.9 billion and shareholders' equity of $3.6 billion. It held $2.1 billion in cash and short-term investments against $950.6 million of debt, a net cash position of $1.2 billion. Its current ratio was 0.08. In the latest quarter (ended June 30, 2026) total assets were $33.9 billion and equity $3.6 billion.
Related: TCBI income statement, TCBI cash flow statement, TCBI key metrics. See the TCBI stock overview for the latest quote and news.
TCBI balance sheet FAQ
What are Texas Capital Bancshares's total assets?
Texas Capital Bancshares reported total assets of $31.5 billion at the end of fiscal 2025 (December 31, 2025), compared with $30.7 billion a year earlier.
How much debt does Texas Capital Bancshares have?
Texas Capital Bancshares had $950.6 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.26.
How much cash does Texas Capital Bancshares have?
Texas Capital Bancshares held $2.1 billion in cash and short-term investments at the end of fiscal 2025; with $950.6 million of debt that is net cash of $1.2 billion.
What is Texas Capital Bancshares's book value?
Texas Capital Bancshares's shareholders' equity (book value) was $3.6 billion at the end of fiscal 2025, or $79.90 per share.
What is Texas Capital Bancshares's current ratio?
Texas Capital Bancshares had current assets of $2.1 billion and current liabilities of $26.8 billion, a current ratio of 0.08 (current liabilities exceed current assets).
How much goodwill does Texas Capital Bancshares have?
Texas Capital Bancshares carried $1.5 million of goodwill and intangible assets, 0.0% of total assets, at the end of fiscal 2025.