Texas Capital Q4 2025 Earnings Call Transcript

Motley Fool Transcribing, The Motley Fool

Thu, January 22, 2026 astatine 9:39 AM CST 44 min read

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Thursday, January 22, 2026 astatine 9:00 a.m. ET

• Chairman, President and Chief Executive Officer — Rob Holmes

• Chief Financial Officer — Matt Scurlock

• Investor Relations — Jocelyn Kukulka

Jocelyn Kukulka: Good morning, and convey you for joining america for Texas Capital Bancshares' Fourth Quarter 2025 Earnings Conference Call. I'm Jocelyn Kukulka, of Investor Relations. Before we begin, delight beryllium alert this telephone volition see forward-looking statements that are based connected our existent expectations of aboriginal results oregon events. Forward-looking statements are taxable to some known and chartless risks and uncertainties that could origin existent results to disagree materially from these statements. Our forward-looking statements are arsenic of the day of this call, and we bash not presume immoderate work to update oregon revise them. Today's presumption volition see definite non-GAAP measures, including, but not constricted to, adjusted operating metrics, adjusted net per share, and instrumentality connected capital.

For reconciliation of these and different non-GAAP measures to the corresponding GAAP measures, delight notation to the net property merchandise and our website. Statements made connected this telephone should beryllium considered unneurotic with the cautionary statements and different accusation contained successful today's net release, our astir caller yearly study connected Form 10-Ks, and consequent filings with the SEC. We volition notation to slides during today's presumption which tin beryllium recovered on with the property merchandise successful the Investor Relations conception of our website astatine texascapital.com. Our speakers for the telephone contiguous are Rob Holmes, Chairman, President and CEO, and Matt Scurlock, CFO. At the decision of our prepared remarks, the relation volition unfastened up the telephone for Q&A.

I'll present crook the telephone implicit to Rob for opening remarks.

Rob Holmes: Thank you for joining america today. 2025 was a defining twelvemonth successful this firm's history. In the 3rd quarter, we achieved our stated fiscal targets, marking completion of our translation and delivering the largest integrated profitability betterment of immoderate commercialized slope exceeding $20 cardinal successful assets implicit the past 2 decades. We reinforced this accomplishment successful the 4th fourth with a 1.2% ROAA, demonstrating that our 3rd 4th show was not an anomaly, but alternatively reflects firm-wide lawsuit obsession, unwavering committedness to operational excellence, and a equilibrium expanse and concern exemplary progressively centered connected the high-value lawsuit segments that we are uniquely positioned to serve.