Texas Capital Bancshares, Inc. operates as the bank holding company for Texas Capital Bank, National Association that provides various banking products and services. The company has primary banking offices in Austin, Dallas, Fort Worth, Houston and San Antonio. As of December 31, 2015, the company conducted business at 12 full service banking locations and 1 operations center. The company serves the needs of commercial businesses, and professionals and entrepreneurs located in Texas, as well as operates various lines of business serving a regional or national clientele of commercial borrowers. The company is primarily a secured lender, with a majority of its loans being made to businesses headquartered or with operations in Texas. At the same time, the company’s national lines of business continue to provide specialized lending products to businesses throughout the United States. Products and Services The company offers various loan, deposit account and other financial products and services to its customers. Business Customers: The company offers a range of products and services oriented to the needs of its business customers, including commercial loans for general corporate purposes, including financing for working capital, internal growth, acquisitions and financing for business insurance premiums; real estate term and construction loans; mortgage finance lending; mortgage correspondent aggregation; equipment leasing; treasury management services; wealth management and trust services; and letters of credit. Individual Customers: The company also provides complete banking services for its individual customers, including personal wealth management and trust services; certificates of deposit; interest-bearing and non-interest-bearing checking accounts with optional features, such as Visa debit/ATM cards and overdraft protection; traditional money market and savings accounts; loans, both secured and unsecured; and Internet banking. Lending Activities The company targets its lending to middle market businesses, and professionals and entrepreneurs that meet its credit standards. Commercial Loans and Leases: The company’s commercial loan portfolio includes lines of credit for working capital and term loans and leases to finance equipment and other business assets. Mortgage Finance Loans: The company’s mortgage finance loans consist of ownership interests purchased in single-family residential mortgages funded through its mortgage finance group. Construction Loans: The company’s construction loan portfolio consists primarily of single- and multi-family residential properties and commercial projects used in manufacturing, warehousing, service or retail businesses. The company’s construction loans generally have terms of one to three years. The company typically makes construction loans to developers, builders and contractors that have a record of project completion and loan repayment, and have an equity investment in the borrowers. Real Estate Loans: A portion of the company’s real estate loan portfolio includes loans secured by properties other than market risk or investment-type real estate. The company generally provides temporary financing for commercial and residential property. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. The company’s real estate loans generally have maximum terms of five to seven years, and the company provides loans with both floating and fixed rates. Securities As of December 31, 2015, the company’s securities included mortgage-backed securities, municipals, and equity securities. Deposit Products The company offers various deposit products and services to its core customers upon terms, including interest rates, which are competitive with other banks. The company’s business deposit products include commercial checking accounts, lockbox accounts, cash concentration accounts and other treasury management services, including online data and server access. The company’s treasury management online system offers information services, wire transfer initiation, ACH initiation, account transfer and service
texas capital bancshares inc
2000 McKinney Avenue
Dallas, TX 75201
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