Texas Capital Bancshares (TCBI) 10-K 12 Feb 20 2019 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2019	Feb. 11, 2020	Jun. 28, 2019
Entity Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2019
Document Transition Report	false
Entity File Number	001-34657
Entity Registrant Name	TEXAS CAPITAL BANCSHARES INC/TX
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	75-2679109
Entity Address, Address Line One	2000 McKinney Avenue
Entity Address, Address Line Two	Suite 700
Entity Address, City or Town	Dallas
Entity Address, State or Province	TX
Entity Address, Country	US
Entity Address, Postal Zip Code	75201
City Area Code	214
Local Phone Number	932-6600
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Shell Company	false
Entity Public Float			$ 3,070,019,000
Entity Common Stock, Shares Outstanding		50,345,627
Entity Central Index Key	0001077428
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2019
Document Fiscal Period Focus (Q1,Q2,Q3,FY)	FY
Amendment Flag	false
Common Stock [Member]
Entity Information [Line Items]
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	TCBI
Security Exchange Name	NASDAQ
Series A Preferred Stock [Member]
Entity Information [Line Items]
Title of 12(b) Security	6.5% Non-Cumulative Perpetual Preferred Stock Series A, par value $0.01 per share
Trading Symbol	TCBIP
Security Exchange Name	NASDAQ

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 161,817	$ 214,191
Interest-bearing deposits in other banks	4,233,766	2,815,684
Federal funds sold and securities purchased under resale agreements	30,000	50,190
Investment securities	239,871	120,216
Loans held for sale ($2,571.3 million and $1,969.2 million at December 2019 and 2018, respectively, at fair value)	2,577,134	1,969,474
Loans held for investment, mortgage finance	8,169,849	5,877,524
Loans held for investment (net of unearned income)	16,476,413	16,690,550
Less: Allowance for loan losses	(195,047)	(191,522)
Loans held for investment, net	24,451,215	22,376,552
Mortgage servicing rights, net	64,904	42,474
Premises and equipment, net	31,212	23,802
Accrued interest receivable and other assets	740,051	626,614
Goodwill and intangible assets, net	18,099	18,570
Total assets	32,548,069	28,257,767
Deposits:
Non-interest-bearing	9,438,459	7,317,161
Interest-bearing	17,040,134	13,288,952
Total deposits	26,478,593	20,606,113
Accrued interest payable	12,760	20,675
Other liabilities	287,157	194,238
Federal funds purchased and repurchase agreements	141,766	641,174
Other borrowings	2,400,000	3,900,000
Subordinated notes, net	282,129	281,767
Trust preferred subordinated debentures	113,406	113,406
Total liabilities	29,715,811	25,757,373
Comprehensive income:
Preferred stock, $.01 par value, $1,000 liquidation value: Authorized shares - 10,000,000; Issued shares - 6,000,000 shares issued at December 31, 2018 and 2017	150,000	150,000
Common stock, $.01 par value: Authorized shares - 100,000,000; Issued shares - 45,735,424 and 41,036,787 at December 31, 2018 and 2017, respectively	503	502
Additional paid-in capital	978,205	967,890
Retained earnings	1,694,608	1,381,492
Treasury stock (shares at cost: 417 at December 31, 2019 and 2018)	(8)	(8)
Accumulated other comprehensive income, net of taxes	8,950	518
Total stockholders’ equity	2,832,258	2,500,394
Total liabilities and stockholders’ equity	$ 32,548,069	$ 28,257,767

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Loans held for sale ($1,007.7 million and $968.9 million at December 2017 and 2016, respectively, at fair value)	$ 2,571,300,000	$ 1,969,200,000
Preferred stock, Liquidation value	$ 1,000	$ 1,000
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	6,000,000	6,000,000
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	100,000,000	100,000,000
Common stock, shares issued	50,338,158	50,201,127
Treasury stock, shares	417	417

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME AND OTHER COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest income
Interest and fees on loans	$ 1,284,036	$ 1,124,970	$ 846,292
Investment securities	8,654	2,834	1,066
Federal funds sold and securities purchased under resale agreements	1,529	3,792	2,542
Interest-bearing deposits in other banks	71,093	32,597	29,399
Total interest income	1,365,312	1,164,193	879,299
Interest expense
Deposits	293,537	185,116	79,886
Federal funds purchased	11,872	6,531	2,592
Other borrowings	58,393	36,207	15,137
Subordinated notes	16,764	16,764	16,764
Trust preferred subordinated debentures	5,026	4,715	3,592
Total interest expense	385,592	249,333	117,971
Net interest income	979,720	914,860	761,328
Provision for credit losses	75,000	87,000	44,000
Net interest income after provision for credit losses	904,720	827,860	717,328
Non-interest income
Service charges on deposit accounts	11,320	12,787	12,432
Wealth management and trust fee income	8,810	8,148	6,153
Brokered loan fees	29,738	22,532	23,331
Servicing income	13,439	18,307	15,657
Swap fees	4,387	5,625	3,990
Net gain/(loss) on sale of loans held for sale	(20,259)	(15,934)	(2,387)
Other	45,005	26,559	15,080
Total non-interest income	92,440	78,024	74,256
Non-interest expense
Salaries and employee benefits	315,080	291,768	264,231
Net occupancy expense	32,989	30,342	25,811
Marketing	53,355	39,335	26,787
Legal and professional	53,830	42,990	29,731
Communications and technology	44,826	30,056	31,004
FDIC insurance assessment	20,093	24,307	23,510
Servicing related expenses	22,573	14,934	15,506
Allowance and other carrying costs for other real estate owned	7	474	6,437
Other	47,246	50,890	42,859
Total non-interest expense	589,999	525,096	465,876
Income before income taxes	407,161	380,788	325,708
Income tax expense	84,295	79,964	128,645
Net income	322,866	300,824	197,063
Preferred stock dividends	(9,750)	(9,750)	(9,750)
Net income available to common stockholders	313,116	291,074	187,313
Other comprehensive income (loss)
Change in unrealized gain (loss) on available-for-sale debt securities arising during period, before tax	10,674	7	19
Income tax expense (benefit) related to unrealized loss on available-for-sale debt securities	2,242	1	6
Other comprehensive income (loss), net of tax	8,432	6	13
Comprehensive income	$ 331,298	$ 300,830	$ 197,076
Basic earnings per common share
Basic earnings per common share	$ 6.23	$ 5.83	$ 3.78
Diluted earnings per common share
Diluted earnings per common share	$ 6.21	$ 5.79	$ 3.73

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive Income
Beginning balance - Shares at Dec. 31, 2016		6,000,000	49,504,079			417
Beginning balance - Amount at Dec. 31, 2016	$ 2,009,557	$ 150,000	$ 495	$ 955,468	$ 903,187	$ (8)	$ 415
Comprehensive income:
Net income	197,063				197,063
Change in unrealized gain (loss) on available-for-sale securities, net of taxes	13						13
Comprehensive income	197,076
Stock-based compensation expense recognized in earnings	8,079			8,079
Preferred stock dividends	(9,750)				(9,750)
Issuance of stock related to stock-based awards - Shares			106,087
Issuance of stock related to stock-based awards - Amount	(2,241)		$ 1	(2,242)
Ending balance - Amount at Dec. 31, 2017	2,202,721	$ 150,000	$ 496	961,305	1,090,500	$ (8)	428
Ending balance - Shares at Dec. 31, 2017		6,000,000	49,643,761			417
Comprehensive income:
Stock Issued During Period, Shares, Other			33,595
Stock Issued During Period, Value, Other	0		$ 0	0
Net income	300,824				300,824
Change in unrealized gain (loss) on available-for-sale securities, net of taxes	6						6
Comprehensive income	300,830
Stock-based compensation expense recognized in earnings	8,973			8,973
Preferred stock dividends	(9,750)				(9,750)
Issuance of stock related to stock-based awards - Shares			120,242
Issuance of stock related to stock-based awards - Amount	(2,382)		$ 1	(2,383)
Ending balance - Amount at Dec. 31, 2018	2,500,394	$ 150,000	$ 502	967,890	1,381,492	$ (8)	518
Ending balance - Shares at Dec. 31, 2018		6,000,000	50,201,127			417
Comprehensive income:
Stock Issued During Period, Shares, Other			437,124
Stock Issued During Period, Value, Other	0		$ 5	(5)
Net income	322,866				322,866
Change in unrealized gain (loss) on available-for-sale securities, net of taxes	8,432						8,432
Comprehensive income	331,298
Stock-based compensation expense recognized in earnings	11,775			11,775
Preferred stock dividends	(9,750)				(9,750)
Issuance of stock related to stock-based awards - Shares			128,263
Issuance of stock related to stock-based awards - Amount	(1,459)		$ 1	(1,460)
Ending balance - Amount at Dec. 31, 2019	$ 2,832,258	$ 150,000	$ 503	978,205	$ 1,694,608	$ (8)	$ 8,950
Ending balance - Shares at Dec. 31, 2019		6,000,000	50,338,158			417
Comprehensive income:
Stock Issued During Period, Shares, Other			8,768
Stock Issued During Period, Value, Other			$ 0	$ 0

CONSOLIDATED STATEMENTS OF ST_2

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement of Stockholders' Equity [Abstract]
Income tax expense (benefit) related to unrealized loss on available-for-sale securities	$ 2,242	$ 1	$ 6

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Operating activities
Net income	$ 322,866	$ 300,824	$ 197,063
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	75,000	87,000	44,000
Deferred tax expense (benefit)	10,796	(6,400)	31,276
Depreciation and amortization	37,267	32,022	27,871
Net (gain)/loss on sale of loans held for sale	20,259	15,934	2,387
Increase (decrease) in valuation allowance on mortgage servicing rights	5,803	(2,823)	2,823
Stock-based compensation expense	17,604	16,938	22,019
Purchases and originations of loans held for sale	(10,183,057)	(6,753,709)	(5,556,964)
Proceeds from sales and repayments of loans held for sale	9,508,927	5,759,067	5,457,117
Other real estate owned write-down		6,100
Changes in operating assets and liabilities:
Accrued interest receivable and other assets	(143,617)	(123,542)	(105,720)
Accrued interest payable and other liabilities	87,884	(5,026)	10,289
Net cash (used in)/provided by operating activities	(240,268)	(679,715)	132,161
Investing activities
Purchases of investment securities	(113,233)	(101,558)	(97,776)
Maturities and calls of available-for-sale securities	0	0	94,775
Principal payments received on investment securities	6,185	3,426	4,383
Originations of mortgage finance loans	(138,759,289)	(99,151,237)	(86,931,566)
Proceeds from pay-offs of mortgage finance loans	136,466,964	98,581,873	86,120,744
Net (increase)/decrease in loans held for investment, excluding mortgage finance loans	139,868	(1,402,068)	(2,395,063)
Purchase of premises and equipment, net	(16,651)	(7,651)	(12,265)
Proceeds from sale of mortgage servicing rights	0	70,824	0
Proceeds from sale of MSRs	79	13,645	1,023
Net cash used in investing activities	(2,276,077)	(1,992,746)	(3,215,745)
Financing activities
Net increase in deposits	5,872,480	1,482,933	2,106,349
Costs from issuance of stock related to stock-based awards and warrants	(1,459)	(2,382)	(2,241)
Preferred dividends paid	(9,750)	(9,750)	(9,750)
Net increase/(decrease) in other borrowings	(1,500,000)	1,100,000	800,000
Net increase/(decrease) in federal funds purchased and repurchase agreements	(499,408)	276,134	255,465
Net cash provided by financing activities	3,861,863	2,846,935	3,149,823
Net increase in cash and cash equivalents	1,345,518	174,474	66,239
Cash and cash equivalents at beginning of period	3,080,065	2,905,591	2,839,352
Cash and cash equivalents at end of period	4,425,583	3,080,065	2,905,591
Supplemental disclosures of cash flow information:
Cash paid during the period for interest	393,507	236,338	115,789
Cash paid during the period for income taxes	$ 89,967	$ 75,405	$ 103,871

Operations and Summary of Signi

Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Operations and Summary of Significant Accounting Policies	Operations and Summary of Significant Accounting Policies Organization and Nature of Business Texas Capital Bancshares, Inc. (the "Company”), a Delaware corporation, was incorporated in November 1996 and commenced banking operations in December 1998. The consolidated financial statements of the Company include the accounts of Texas Capital Bancshares, Inc. and its wholly owned subsidiary, Texas Capital Bank, National Association (the "Bank”). We serve the needs of commercial businesses and successful professionals and entrepreneurs located in Texas as well as operate several lines of business serving a regional or national clientele of commercial borrowers. We are primarily a secured lender, with the majority of our loans held for investment, excluding mortgage finance loans and other national lines of business, being made to businesses headquartered or with operations in Texas. Our national lines of business provide specialized leading products to businesses throughout the United States. On December 9, 2019, the Company entered into a merger agreement with IBTX, the holding company for Independent Bank, under which TCBI and IBTX will combine in an all-stock merger of equals. Under the terms of the merger agreement, each share of TCBI common stock outstanding immediately prior to the effective time, other than certain shares held by TCBI or IBTX, will be converted into the right to receive the merger consideration of 1.0311 shares of IBTX common stock. At the effective time, each outstanding share of TCBI preferred stock will be automatically converted into the right to receive one share of IBTX preferred stock having substantially the same terms as such share of TCBI preferred stock. The name of the surviving entity will be Independent Bank Group, Inc. and the name of the surviving bank will be Texas Capital Bank. The surviving bank will be operated under the name Independent Financial in Colorado and under the name Texas Capital Bank in Texas. The merger agreement was unanimously approved by the board of directors of TCBI and the board of directors of IBTX. The merger is expected to close in mid-2020, subject to satisfaction of customary closing conditions, including receipt of customary regulatory approvals and approval of the merger agreement by the stockholders of TCBI and the shareholders of IBTX, respectively. For more information on the merger agreement and the merger, see Part I, Item 1, Business-Merger with Independent Bank Group, Inc. Basis of Presentation Our accounting and reporting policies conform to accounting principles generally accepted in the United States ("GAAP") and to generally accepted practices within the banking industry. Certain prior period balances have been reclassified to conform to the current period presentation. Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for loan losses, the fair value of financial instruments and the status of contingencies are particularly susceptible to significant change. Basic and Diluted Earnings Per Common Share Basic earnings per common share is based on net income available to common stockholders divided by the weighted-average number of common shares outstanding during the period excluding non-vested stock. Diluted earnings per common share include the dilutive effect of non-vested stock-based awards granted using the treasury stock method. A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 2 — Earnings Per Share. Accumulated Other Comprehensive Income Unrealized gains or losses on our available-for-sale debt securities (after applicable income tax expense or benefit) are included in accumulated other comprehensive income (loss), net ("AOCI"). AOCI is reported in the accompanying consolidated statements of stockholders’ equity and consolidated statements of income and other comprehensive income. GAAP does not permit the adjustment of tax amounts in AOCI for changes in tax rates; as a result the effects become "stranded" in AOCI. Stranded tax effects caused by the 2018 revaluation of deferred taxes resulting from the corporate tax rates established by the Tax Cuts and Jobs Act (the "Tax Act") are reclassified from AOCI to retained earnings in accordance with our early adoption of ASU 2018-02 " Income Statement - Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income." Cash and Cash Equivalents Cash equivalents include amounts due from banks, interest-bearing deposits in other banks, federal funds sold and securities purchased under resale agreements. Investment Securities Investment securities include available-for-sale debt securities and equity securities at fair value. Debt Securities Debt securities are classified as trading, available-for-sale or held-to-maturity. Management classifies securities at the time of purchase and re-assesses such designation at each balance sheet date; however, transfers between categories from this re-assessment are rare. Trading Account Debt securities acquired for resale in anticipation of short-term market movements are classified as trading, with realized and unrealized gains and losses recognized in income. To date, we have not had any activity in our trading account. Held-to-Maturity Debt securities are classified as held-to-maturity when we have the positive intent and ability to hold the securities to maturity. Held-to-maturity securities are stated at amortized cost. Debt securities not classified as held-to-maturity or trading are classified as available-for-sale. Available-for-Sale Available-for-sale debt securities are stated at fair value, with the unrealized gains and losses reported as a separate component of AOCI, net of tax. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts to maturity, or in the case of mortgage-backed securities, over the estimated life of the security. Such amortization and accretion are included in interest income from securities. Realized gains and losses and declines in value judged to be other-than-temporary are included in gain (loss) on sale of securities. The cost of securities sold is based on the specific identification method. All debt securities are available-for-sale as of December 31, 2019 and 2018 . Equity Securities Beginning January 1, 2018, upon adoption of ASU 2016-01 " Recognition and Measurement of Financial Assets and Financial Liabilities," equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. For periods prior to January 1, 2018, equity securities were classified as available-for-sale and stated at fair value with unrealized gains and losses reported as a separate component of AOCI, net of tax. Equity securities without readily determinable fair values are recorded at cost less any impairment, if any. Loans Loans Held for Sale Through our mortgage correspondent aggregation ("MCA") program, we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loan sales to independent third parties or in securitization transactions to third parties such as Ginnie Mae or to government sponsored entities such as Fannie Mae or Freddie Mac ("GSEs"). In some cases, we retain the mortgage servicing rights. Once purchased, these loans are classified as held for sale and are carried at fair value pursuant to our election of the fair value option in accordance with Accounting Standards Codification ("ASC") 825, Financial Instruments . At the commitment date, we enter into a corresponding forward sale commitment with a third party, typically Ginnie Mae or a GSE, to deliver the loans within a specified timeframe. The estimated gain/loss for the entire transaction (from initial purchase commitment to final delivery of loans) is recorded as an asset or liability. The fair value of loans held for sale is derived from observable current market prices, when available, and includes the fair value of the mortgage servicing rights. Adjustments to reflect unrealized gains and losses resulting from changes in fair value and realized gains and losses upon ultimate sale of the loans are classified as gain/(loss) on sale of loans held for sale in the consolidated statements of income and other comprehensive income. Residential mortgage loans held for sale are subject to both credit and interest rate risk. Credit risk is managed through underwriting policies and procedures, including collateral requirements, which are generally accepted by the secondary loan markets. Exposure to interest rate fluctuations is partially managed through forward sales contracts, which set the price for loans that will be delivered in the next 60 to 90 days. Pursuant to Ginnie Mae servicing guidelines, we have the unilateral right, but not the obligation, to repurchase certain delinquent loans securitized in Ginnie Mae pools, if they meet defined delinquent loan criteria. Once the delinquency criteria have been met, and regardless of whether the repurchase option has been exercised, we account for these loans as if they had been repurchased and recognize the loans and a corresponding liability as held for sale and other liabilities, respectively, in the consolidated balance sheets. If the loans are actually repurchased, the liability is extinguished and the loans continue to be reported as held for sale. As a Ginnie Mae approved lender, we may recover losses incurred on repurchased loans through a claims process with the government agency. From time to time we hold for sale the guaranteed portion of Small Business Administration 7(a) loans, which are carried at lower of cost or market. Loans Held for Investment Loans held for investment (including financing leases) are stated at the amount of unpaid principal reduced by deferred income (net of costs). Interest on loans is recognized using the simple-interest method on the daily balances of the principal amounts outstanding. Loan origination fees, net of direct loan origination costs, and commitment fees, are deferred and amortized as an adjustment to yield over the life of the loan, or over the commitment period, as applicable. A loan held for investment is considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. Reserves on impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the underlying collateral, less cost to sell. Impaired loans, or portions thereof, are charged off when a confirmed loss exists. Restructured loans are loans on which, due to the borrower’s financial difficulties, we have granted a concession that we would not otherwise consider for borrowers of similar credit quality. This may include a transfer of real estate or other assets from the borrower, a modification of loan terms, or a combination of the two. Modifications of terms that could potentially qualify as a restructuring include reduction of contractual interest rate, extension of the maturity date at a contractual interest rate lower than the current rate for new debt with similar risk, a reduction of the face amount of debt or forgiveness of either principal or accrued interest. A loan continues to qualify as restructured until a consistent payment history or change in borrower’s financial condition has been evidenced, generally for no less than twelve months. Assuming that the restructuring agreement specifies an interest rate at the time of the restructuring that is greater than or equal to the rate that we are willing to accept for a new extension of credit with comparable risk, then the loan no longer has to be considered a restructuring if it is in compliance with the modified terms in calendar years after the year of the restructure. The accrual of interest on loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining book balance of the asset is deemed to be collectible. If collectability is questionable, then cash payments are applied to principal. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement. Loans held for investment includes legal ownership interests in mortgage loans that we purchase through our mortgage warehouse lending division. The ownership interests are purchased from unaffiliated mortgage originators who are seeking additional funding through sale of the undivided ownership interests to facilitate their ability to originate loans. The mortgage originator has no obligation to offer and we have no obligation to purchase these interests. The originator closes mortgage loans consistent with underwriting standards established by approved investors, and, at the time of the sale to the investor, our ownership interest and that of the originator are delivered by us to the investor selected by the originator and approved by us. We typically purchase up to a 99% ownership interest in each mortgage with the originator owning the remaining percentage. These mortgage ownership interests are generally held by us for a period of less than 30 days and more typically 10-20 days. Because of conditions in agreements with originators designed to reduce transaction risks, under ASC 860, Transfers and Servicing of Financial Assets (“ASC 860”), the ownership interests do not qualify as participating interests. Under ASC 860, the ownership interests are deemed to be loans to the originators and payments we receive from investors are deemed to be payments made by or on behalf of the originator to repay the loan deemed made to the originator. Because we have an actual, legal ownership interest in the underlying residential mortgage loan, these interests are reported as extensions of credit to the originators that are secured by the mortgage loans as collateral. Due to market conditions or events of default by the investor or the originator, we could be required to purchase the remaining interests in the mortgage loans and hold them beyond the expected 10-20 days. Mortgage loans acquired under these conditions would require mark-to-market adjustments to income and could require further allocations of the allowance for loan losses or be subject to charge off in the event the loans become impaired. Allowance for Loan Losses The allowance for loan losses is comprised of general reserves and specific reserves for impaired loans, all based on our estimate of losses inherent in the portfolio at the balance sheet date. In order to determine the allowance for loan losses, all loans are assigned a credit grade. Loan commitments graded substandard or worse and greater than $500,000 are specifically reviewed for loss potential. Loans deemed to be impaired, as well as restructured loans and loans formerly reported as restructured, are assigned a specific reserve based on the losses expected to be realized from those loans. For purposes of determining the general reserve, the remainder of the portfolio is segregated by product types to recognize differing risk profiles among portfolio segments, and then further segregated by credit grades. Each credit grade is assigned a risk factor, or reserve allocation percentage. These risk factors are multiplied by the outstanding principal balance of each loan and risk-weighted by product type to calculate a required reserve. A similar process is employed to calculate a reserve assigned to off-balance sheet commitments, specifically unfunded loan commitments and letters of credit, and any needed reserve is recorded in other liabilities. Even though portions of the allowance may be allocated to specific loans, the entire allowance is available for any credit that, in management’s judgment, should be charged off. We have several pass credit grades that are assigned to loans based on varying levels of risk, ranging from credits that are secured by cash or marketable securities, to watch credits which have all the characteristics of an acceptable credit risk but warrant more than the normal level of monitoring. Within our criticized/classified credit grades are special mention, substandard, and doubtful. Special mention loans are those that are currently protected by the sound worth and paying capacity of the borrower, but that are potentially weak and constitute an additional credit risk. These loans have the potential to deteriorate to a substandard grade due to the existence of financial or administrative deficiencies. Substandard loans have a well-defined weakness or weaknesses that jeopardizes the liquidation of the debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Some substandard loans are inappropriately protected by the sound worth and paying capacity of the borrower and of the collateral pledged and may be considered impaired. Substandard loans can be accruing or can be on non-accrual depending on the circumstances of the individual loans. Loans classified as doubtful have all the weaknesses inherent in substandard loans with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable. The possibility of loss is extremely high. All doubtful loans are on non-accrual. The allowance allocation percentages assigned to each credit grade have been developed based primarily on an analysis of our historical loss rates. The level of the allowance reflects management’s continuing evaluation of conditions likely to impact the amount of losses expected to be incurred in the Bank’s loan portfolio. Such conditions include, without limitation, credit quality indicators such as amounts and percentages of loans classified as past due, criticized and non-performing, conditions internal to the Bank such as the skill and experience of lending and credit personnel and effectiveness of credit review processes, the rate of portfolio growth, the extent of hold limits and loan concentrations, such as loans to specific borrowers, loans to groups of affiliated borrowers, loans to borrowers in defined industry groups and loans to borrowers, and collateral, in defined geographic locations. Conditions external to the Bank that may impact incurred losses that are also considered by management in the evaluation of the allowance include the general health of the national economy and regional economies where the Bank operates, international economic conditions, domestic and international political events that may impact the Bank’s loan portfolio, regulatory developments deemed relevant to risk assessment and classification of credits and circumstances that may have negative consequences for industries or specific borrowers where the Bank has exposure. Management’s assessment of the allowance begins with a review of historical credit loss experience as a baseline before consideration of current environmental issues both internal and external to the Bank that might reasonably cause the measure of incurred loss to differ from historical experience. The Bank’s allowance methodology employs a loss migration technique to determine historical loss percentages applicable to all defined credit risk grades. The methodology also calculates historical loss percentages by portfolio segment and computes segment weights as a measure of the relative risk of loans in each segment compared to the entire portfolio. Management may adjust segment weights by applying overlays to specific portfolio segments whereby historical loss experience may not be a measure reflective of incurred losses for the specific portfolio segment. These overlays are quantified by management at the portfolio segment level and added or subtracted from historical loss rates. These processes allow for a continuous review of not only absolute historical loss percentages but also an assessment of credit risk grade migration, positive and negative, and changes in portfolio composition as defined by portfolio segment. Because credit risk grade migration, both positive and negative, can significantly trail triggering events such as change in economic conditions, commodity prices or interest rates, changes in collateral values or changes in regulatory interpretation or applicable laws or standards impacting the Bank's lending activities, management has identified certain measures that are believed to offer guidance as leading, concurrent and trailing indicators respectively of general economic health that in turn are thought to be relevant to the measure of incurred loss in the Bank’s loan portfolio (individually referred to as "Q Factors"). Each individual Q Factor is individually quantified by management and then aggregated into a single qualitative adjustment (referred to as the "Q Factor adjustment"). This Q Factor adjustment is added or subtracted from historical loss rates, as relevant, to compute an appropriate reserve based upon actual portfolio composition as defined by portfolio segment and credit risk grade composition. The single Q Factor adjustment and application of any management overlay to model calculated segment weights reflects management’s determination that the allowance model is calculating an appropriate level of the allowance in the context of all known loan portfolio quality and concentration issues as well as other environmental factors that are reasonably believed to cause the measure of incurred loss, inclusive of unidentified losses inherent in the current portfolio, to differ from historical experience. The methodology used in the periodic review of the appropriateness of the allowance, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality. Changes are reflected in the general allowance and in specific reserves as the collectability of classified loans is evaluated with new information. As our portfolio has matured, historical loss ratios have been closely monitored. Our reserve appropriateness relies primarily on our loss history. The review of the appropriateness of the allowance is performed by executive management and presented to the audit and risk committees of our board of directors for their review. The committees report to the board as part of the board's review on a quarterly basis of the Company's consolidated financial statements. Other Real Estate Owned Other real estate owned (“OREO”), which is included in other assets on the consolidated balance sheet, consists of real estate that has been foreclosed. When foreclosure occurs, the acquired asset is recorded at fair value less selling costs, generally based on appraised value, which may result in partial charge-off of the loan through a charge to the allowance for loan losses, if necessary. Subsequent write-downs required for declines in value are recorded through a valuation allowance, or taken directly to the asset, and are recorded in allowance and other carrying costs for OREO in the consolidated statements of income and other comprehensive income. Gains or losses on sale of OREO are recorded in other non-interest income in the consolidated statements of income and other comprehensive income. Mortgage Servicing Rights, Net Mortgage servicing rights ("MSRs") are created by selling mortgage loans with servicing rights retained. We identify classes of servicing rights based upon the nature of the underlying assumptions used to value the asset along with the risks associated with the underlying asset. Based upon these criteria we have one class of MSRs, residential. MSRs are recognized based on the estimated fair value of the mortgage loans and the related servicing rights at the date of sale using values derived from a valuation model. MSRs are reported on the consolidated balance sheets at amortized cost, less a valuation allowance if the fair value of identified strata within the MSR portfolio are determined to have a fair value that is less than amortized cost. MSRs are amortized proportionally over the estimated life of the projected net servicing revenue and are periodically evaluated for impairment. Loan servicing fee income represents income earned for servicing mortgage loans owned by investors and includes mortgage servicing fees and other ancillary servicing income. Servicing fees are recorded as income when earned and are reported in non-interest income on the consolidated statements of income and other comprehensive income. MSR valuation allowance expense and servicing related expenses are recorded in servicing related expenses in the consolidated statements of income and other comprehensive income. Goodwill and Other Intangible Assets, Net Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset or liability. Our intangible assets relate primarily to loan customer relationships purchased as part of business acquisitions. Intangible assets with definite useful lives are amortized over their estimated life. Goodwill and intangible assets are tested for impairment at least annually or whenever changes in circumstances indicate the carrying amount of the assets may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value. Premises and Equipment, Net Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. Furniture and equipment is generally depreciated over three to five years , while leasehold improvements are generally depreciated over the term of their respective lease. Gains or losses on disposals of premises and equipment are included in other non-interest income in the consolidated statements of income and other comprehensive income. Software Costs incurred in connection with development or purchase of internal use software and cloud computing arrangements, including in-substance software licenses, are capitalized. Amortization is computed on a straight-line basis over the estimated useful life of the asset, which generally ranges from one to five years . Capitalized software is included in other assets in the consolidated balance sheets. Financial Instruments with Off-Balance Sheet Risk The Company has undertaken certain guarantee obligations in the ordinary course of business which include liabilities with off-balance sheet risk. We consider the following arrangements to be guarantees: commitments to extend credit, standby letters of credit and indemnification agreements included within third party contractual arrangements. The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit that involve varying degrees of credit risk in excess of the amount recognized in the consolidated balance sheets. The Bank’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of these instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the borrower. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. In conjunction with the sale and securitization of loans held for sale and their related servicing rights, we may be exposed to liability resulting from recourse and repurchase agreements. If it is determined subsequent to our sale of a loan or its related servicing rights that a breach of the representations or warranties made in the applicable sale agreement has occurred, which may include guarantees that prepayments will not occur within a specified and customary time frame, we may have an obligation to either (a) repurchase the loan for the unpaid principal balance, accrued interest and related advances, (b) indemnify the purchaser against any loss it suffers or (c) make the purchaser whole for the economic benefits of the loan and its related servicing rights. Our repurchase, indemnification and make-whole obligations vary based upon the terms of the applicable agreements, the nature of the asserted breach and the status of the mortgage loan at the time a claim is made. We establish reserves for estimated losses of this nature inherent in the origination of mortgage loans by estimating the losses inherent in the population of all loans sold based on trends in claims and actual loss severities experienced. The reserve will include accruals for probable contingent losses in addition to those identified in the pipeline of claims received. The estimation process is designed to include amounts based on actual losses experienced from actual activity. Leases ASU 2016-02 "Leases (Topic 842)" ("ASU 2016-02") requires that lessees and lessors recognize lease assets and lease liabilities on the balance sheet and disclose key information about leasing arrangements. ASU 2016-02 became effective for us on January 1, 2019. ASU 2016-02 provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at the beginning of either the earliest period presented or as of the beginning of the period of adoption with the option to elect certain practical expedients. We elected to apply ASU 2016-02 as of the beginning of the period of adoption (January 1, 2019) and have not restated comparative periods. Of the optional practical expedients available under ASU 2016-02, we adopted all expedients except for the hindsight practical expedient. As a result of implementing ASU 2016-02, we recognized an operating lease right-of-use ("ROU") asset of $64 million and an operating lease liability of $74 million on January 1, 2019, with no impact on our consolidated statements of income or consolidated statements of cash flows compared to the prior lease accounting model. Operating lease ROU assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate at the lease commencement date, which is based on our col

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2019
Debt Securities, Available-for-sale [Abstract]
Investment Securities	Securities Available-for-Sale Debt Securities The following is a summary of available-for-sale debt securities: (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2019 Available-for-sale debt securities: Residential mortgage-backed securities $ 4,991 $ 275 $ — $ 5,266 Tax-exempt asset-backed securities 183,225 13,802 — 197,027 Credit risk transfer securities 14,713 — (2,749 ) 11,964 $ 202,929 $ 14,077 $ (2,749 ) $ 214,257 December 31, 2018 Available-for-sale debt securities: Residential mortgage-backed securities $ 6,874 $ 368 $ — $ 7,242 Tax-exempt asset-backed securities 95,518 286 — 95,804 $ 102,392 $ 654 $ — $ 103,046 During the first quarter of 2019, we acquired a $92.0 million tax-exempt security backed with underlying cash flows from municipal revenue bonds, as well as $15.0 million in credit risk transfer ("CRT") securities. The securities were all recorded as available-for-sale upon acquisition and subsequently marked to fair value as of December 31, 2019 . CRT securities represent unsecured obligations issued by GSEs such as Freddie Mac and are designed to transfer mortgage credit risk from the GSE to private investors. CRT securities are structured to be subject to the performance of a reference pool of mortgage loans in which we share in 50% of the first losses with the GSE. If the reference pool incurs losses, the amount we will recover on the notes is reduced by our share of the amount of such losses, which could potentially be up to 100% of the amount outstanding. The CRT securities are generally interest-only for an initial period of time and are restricted from being transferred until a future date. The amortized cost and estimated fair value of available-for-sale debt securities are presented below by contractual maturity: (in thousands, except percentage data) Less Than One Year After One Through Five Years After Five Through Ten Years After Ten Years Total December 31, 2019 Available-for-sale: Residential mortgage-backed securities:(1) Amortized cost $ — $ 1,005 $ — $ 3,986 $ 4,991 Estimated fair value — 1,088 — 4,178 5,266 Weighted average yield(3) — % 5.54 % — % 4.31 % 4.55 % Tax-exempt asset-backed securities:(1) Amortized Cost — — — 183,225 183,225 Estimated fair value — — — 197,027 197,027 Weighted average yield(2)(3) — % — % — % 4.20 % 4.20 % CRT securities:(1) Amortized Cost — — — 14,713 14,713 Estimated fair value — — — 11,964 11,964 Weighted average yield(3) — % — % — % 1.71 % 1.71 % Total available-for-sale debt securities: Amortized cost $ 202,929 Estimated fair value $ 214,257 December 31, 2018 Available-for-sale: Residential mortgage-backed securities:(1) Amortized cost $ 3 $ 1,573 $ — $ 5,298 $ 6,874 Estimated fair value 4 1,668 — 5,570 7,242 Weighted average yield(3) 6.50 % 5.54 % — % 4.53 % 4.76 % Tax-exempt asset-backed securities:(1) Amortized Cost — — — 95,518 95,518 Estimated fair value — — — 95,804 95,804 Weighted average yield(2)(3) — % — % — % 4.25 % 4.25 % Total available-for-sale debt securities: Amortized cost $ 102,392 Estimated fair value $ 103,046 (1) Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. (2) Yields have been adjusted to a tax equivalent basis assuming a 21% federal tax rate. (3) Yields are calculated based on amortized cost. The following table discloses our available-for-sale debt securities that have been in a continuous unrealized loss position for less than 12 months and those that have been in a continuous unrealized loss position for 12 or more months: December 31, 2019 Less Than 12 Months 12 Months or Longer Total (in thousands) Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss CRT securities $ 11,964 $ (2,749 ) $ — $ — $ 11,964 $ (2,749 ) At December 31, 2019 , the CRT securities were the only available-for-sale debt securities in an unrealized loss position. There were no available-for-sale debt securities in an unrealized loss position at December 31, 2018. We conduct periodic reviews of securities with unrealized losses to evaluate whether the impairment is other-than-temporary. Unrealized losses that are determined to be temporary in nature are recorded, net of tax, in AOCI for available-for-sale debt securities. When we have the intent to sell or we believe we will more likely than not be required to sell an available-for-sale debt security, the entire excess of its amortized cost basis over its fair value is recognized in earnings. For available-for-sale debt securities that we do not intend to sell and are not likely to be required to sell, only the credit-related impairment is recognized in earnings and any non-credit-related impairment is recorded in AOCI. Based on the results of our periodic review of available-for-sale debt securities in an unrealized loss position at March 31, 2019, we recorded a $331,000 other-than-temporary credit-related impairment on the CRT securities, reducing the amortized cost of the securities. The loss was measured as the excess of the amortized cost basis of the security over the present value of cash flows expected to be collected and was recorded in other non-interest expense. Based on the results of our periodic review at December 31, 2019, no additional other-than-temporary credit-related impairment was recorded on the CRT securities, as the remaining loss position is not believed to be other-than-temporary. Our periodic review at December 31, 2019 included an evaluation of the near-term prospects of the investments in relation to the severity and duration of the unrealized losses. Based on that evaluation we have determined that we have the ability and intent to hold the investments until recovery of fair value. Available-for-sale debt securities with carrying values of approximately $3.5 million and $1.2 million were pledged to secure certain customer repurchase agreements and deposits, respectively, at December 31, 2019 . The comparative amounts at December 31, 2018 were $4.8 million and $1.7 million , respectively. Equity Securities Equity securities consist of Community Reinvestment Act funds and investments related to our non-qualified deferred compensation plan. At December 31, 2019 and December 31, 2018 , we had $25.6 million and $17.2 million , respectively, in equity securities recorded at fair value. The following is a summary of unrealized and realized gains/(losses) recognized on equity securities and included in other non-interest income in the consolidated statements of income: Year Ended December 31, (in thousands) 2019 2018 Net gains/(losses) recognized during the period $ 2,383 $ (975 ) Less: Realized net gains/(losses) recognized during the period on equity securities sold 119 460 Unrealized net gains/(losses) recognized during the period on equity securities still held $ 2,264 $ (1,435 )

Loans Held for Investment and A

Loans Held for Investment and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Loans Held for Investment and Allowance for Loan Losses	Loans Held for Investment and Allowance for Loan Losses Loans held for investment are summarized by portfolio segment as follows: December 31, (in thousands) 2019 2018 Commercial $ 10,230,828 $ 10,373,288 Mortgage finance(1) 8,169,849 5,877,524 Construction 2,563,339 2,120,966 Real estate 3,444,701 3,929,117 Consumer 71,463 63,438 Equipment leases 256,462 312,191 Gross loans held for investment 24,736,642 22,676,524 Deferred income (net of direct origination costs) (90,380 ) (108,450 ) Allowance for loan losses (195,047 ) (191,522 ) Total loans held for investment, net $ 24,451,215 $ 22,376,552 (1) Balances at December 31, 2019 and December 31, 2018 are stated net of $682.7 million and $193.0 million of participations sold, respectively. Summary of Loan Loss Experience The following tables summarize the credit risk profile of our loans held for investment by internally assigned grades and non-accrual status: (in thousands) Commercial Mortgage Finance Construction Real Estate Consumer Equipment Leases Total December 31, 2019 Grade: Pass $ 9,751,645 $ 8,169,849 $ 2,540,059 $ 3,364,554 $ 71,289 $ 255,171 $ 24,152,567 Special mention 198,269 — 6,590 52,919 140 1,062 258,980 Substandard-accruing 67,454 — 16,690 15,528 — 39 99,711 Non-accrual 213,460 — — 11,700 34 190 225,384 Total loans held for investment $ 10,230,828 $ 8,169,849 $ 2,563,339 $ 3,444,701 $ 71,463 $ 256,462 $ 24,736,642 December 31, 2018 Grade: Pass $ 10,034,597 $ 5,877,524 $ 2,099,955 $ 3,850,811 $ 61,815 $ 309,775 $ 22,234,477 Special mention 120,531 — 21,011 47,644 — 2,223 191,409 Substandard-accruing 140,297 — — 28,205 1,568 193 170,263 Non-accrual 77,863 — — 2,457 55 — 80,375 Total loans held for investment $ 10,373,288 $ 5,877,524 $ 2,120,966 $ 3,929,117 $ 63,438 $ 312,191 $ 22,676,524 The allowance for loan losses is comprised of general reserves and specific reserves for impaired loans based on our estimate of losses inherent in the portfolio at the balance sheet date. For further discussion of the components of the allowance for loan losses as well as details regarding how the estimate of inherent losses is determined, refer to the Allowance for Loan Losses subheading in Note 1 – Operations and Summary of Significant Accounting Policies. We believe the allowance at December 31, 2019 to be appropriate, given management's assessment of losses inherent in the portfolio as of the evaluation date, the growth in the loan and lease portfolio, current economic conditions in our market areas and other factors. The following table details activity in the allowance for loan losses, as well as the recorded investment in loans held for investment, by portfolio segment and disaggregated on the basis of our impairment methodology. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. (in thousands) Commercial Mortgage Finance Construction Real Estate Consumer Equipment Leases Additional Qualitative Reserve Total Year ended December 31, 2019 Allowance for loan losses: Beginning balance $ 129,442 $ — $ 19,242 $ 33,353 $ 425 $ 1,829 $ 7,231 $ 191,522 Provision for loan losses 106,345 2,265 (4,469 ) (17,189 ) (441 ) (1,486 ) (7,231 ) 77,794 Charge-offs 76,958 — — 662 — 19 — 77,639 Recoveries 3,290 — — — 69 11 — 3,370 Net charge-offs (recoveries) 73,668 — — 662 (69 ) 8 — 74,269 Ending balance $ 162,119 $ 2,265 $ 14,773 $ 15,502 $ 53 $ 335 $ — $ 195,047 Period end allowance for loan losses allocated to: Loans individually evaluated for impairment $ 59,832 $ — $ — $ 549 $ 7 $ 36 $ — $ 60,424 Loans collectively evaluated for impairment 102,287 2,265 14,773 14,953 46 299 — 134,623 Total $ 162,119 $ 2,265 $ 14,773 $ 15,502 $ 53 $ 335 $ — $ 195,047 Period end loans allocated to: Loans individually evaluated for impairment $ 213,460 $ — $ — $ 11,700 $ 34 $ 190 $ — $ 225,384 Loans collectively evaluated for impairment 10,017,368 8,169,849 2,563,339 3,433,001 71,429 256,272 — 24,511,258 Total $ 10,230,828 $ 8,169,849 $ 2,563,339 $ 3,444,701 $ 71,463 $ 256,462 $ — $ 24,736,642 Year ended December 31, 2018 Allowance for loan losses: Beginning balance $ 118,806 $ — $ 19,273 $ 34,287 $ 357 $ 3,542 $ 8,390 $ 184,655 Provision for loan losses 87,860 — (31 ) (1,003 ) 397 (1,427 ) (1,159 ) 84,637 Charge-offs 79,692 — — — 767 319 — 80,778 Recoveries 2,468 — — 69 438 33 — 3,008 Net charge-offs (recoveries) 77,224 — — (69 ) 329 286 — 77,770 Ending balance $ 129,442 $ — $ 19,242 $ 33,353 $ 425 $ 1,829 $ 7,231 $ 191,522 Period end allowance for loan losses allocated to: Loans individually evaluated for impairment $ 8,252 $ — $ — $ 48 $ 10 $ — $ — $ 8,310 Loans collectively evaluated for impairment 121,190 — 19,242 33,305 415 1,829 7,231 183,212 Total $ 129,442 $ — $ 19,242 $ 33,353 $ 425 $ 1,829 $ 7,231 $ 191,522 Period end loans allocated to: Loans individually evaluated for impairment $ 78,428 $ — $ — $ 8,857 $ 55 $ — $ — $ 87,340 Loans collectively evaluated for impairment 10,294,860 5,877,524 2,120,966 3,920,260 63,383 312,191 — 22,589,184 Total $ 10,373,288 $ 5,877,524 $ 2,120,966 $ 3,929,117 $ 63,438 $ 312,191 $ — $ 22,676,524 During 2019, we refined our methodology for calculating the allowance for loan losses to improve the specificity of the risk weights and the risk-weighting process for each product type assigned to the loans in our held for investment portfolio. As a result of these refinements, we believe that management is better able to allocate inherent losses previously accounted for in the additional qualitative reserve component of our allowance for loan losses to specific product types and credit risk grades, thus eliminating the additional qualitative reserve component of our allowance for loan losses in 2019. Additionally, this improved specificity and consideration of current mortgage market conditions resulted in the allocation of a portion of the company’s allowance and provision for loan losses to our mortgage finance loan portfolio for the first time in 2019. The following tables detail our impaired loans held for investment by portfolio segment. In accordance with ASC 310, Receivables , we have also included all restructured and formerly restructured loans in our impaired loan totals. (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized December 31, 2019 With no related allowance recorded: Commercial Business loans $ 35,932 $ 51,172 $ — $ 20,074 $ — Energy loans 57,722 58,519 — 15,692 — Real estate Market risk 8,500 8,806 — 4,980 — Commercial 881 881 — 5,100 — Secured by 1-4 family 1,218 1,218 — 1,226 — Consumer — — — — — Equipment leases — — — — — Total impaired loans with no allowance recorded $ 104,253 $ 120,596 $ — $ 47,072 $ — With an allowance recorded: Commercial Business loans $ 52,479 $ 55,422 $ 29,467 $ 27,288 $ — Energy loans 67,327 87,067 30,365 51,232 — Real estate Market risk 870 870 499 2,257 — Commercial — — — — — Secured by 1-4 family 231 231 50 621 — Consumer 34 34 7 63 — Equipment leases 190 190 36 16 — Total impaired loans with an allowance recorded $ 121,131 $ 143,814 $ 60,424 $ 81,477 $ — Combined: Commercial Business loans $ 88,411 $ 106,594 $ 29,467 $ 47,362 $ — Energy loans 125,049 145,586 30,365 66,924 — Real estate Market risk 9,370 9,676 499 7,237 — Commercial 881 881 — 5,100 — Secured by 1-4 family 1,449 1,449 50 1,847 — Consumer 34 34 7 63 — Equipment leases 190 190 36 16 — Total impaired loans $ 225,384 $ 264,410 $ 60,424 $ 128,549 $ — (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized December 31, 2018 With no related allowance recorded: Commercial Business loans $ 23,367 $ 55,008 $ — $ 16,426 $ 133 Energy loans 12,188 13,363 — 17,135 — Real estate Market risk — — — — — Commercial 7,388 7,388 — 3,215 — Secured by 1-4 family 1,233 1,233 — 734 — Consumer — — — — — Equipment leases — — — — — Total impaired loans with no allowance recorded $ 44,176 $ 76,992 $ — $ 37,510 $ 133 With an allowance recorded: Commercial Business loans $ 17,529 $ 17,564 $ 4,679 $ 41,307 $ — Energy loans 25,344 28,105 3,573 25,672 — Real estate Market risk — — — 49 — Commercial — — — 83 — Secured by 1-4 family 236 236 48 188 — Consumer 55 55 10 54 — Equipment leases — — — 275 — Total impaired loans with an allowance recorded $ 43,164 $ 45,960 $ 8,310 $ 67,628 $ — Combined: Commercial Business loans $ 40,896 $ 72,572 $ 4,679 $ 57,733 $ 133 Energy loans 37,532 41,468 3,573 42,807 — Real estate Market risk — — — 49 — Commercial 7,388 7,388 — 3,298 — Secured by 1-4 family 1,469 1,469 48 922 — Consumer 55 55 10 54 — Equipment leases — — — 275 — Total impaired loans $ 87,340 $ 122,952 $ 8,310 $ 105,138 $ 133 Average impaired loans outstanding during the years ended December 31, 2019 , 2018 and 2017 totaled $128.5 million , $105.1 million and $130.8 million , respectively. For the year ended December 31, 2019 , we recognized no interest income on non-accrual loans, compared to $133,000 and $6,000 , for the years ended December 31, 2018 and 2017 respectively. Additional interest income that would have been recorded if the loans had been current during the years ended December 31, 2019 , 2018 and 2017 totaled $12.0 million , $8.5 million and $19.0 million , respectively. As of December 31, 2019 and 2018 , none of our non-accrual loans were earning interest income on a cash basis. The table below provides an age analysis of our loans held for investment: (in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due(1) Total Past Due Non-accrual Current Total December 31, 2019 Commercial Business loans $ 8,746 $ 9,299 $ 17,285 $ 35,330 $ 88,411 $ 8,681,989 $ 8,805,730 Energy — — — — 125,049 1,300,049 1,425,098 Mortgage finance loans — — — — — 8,169,849 8,169,849 Construction Market risk — — — — — 2,457,986 2,457,986 Commercial — — — — — 93,764 93,764 Secured by 1-4 family — — — — — 11,589 11,589 Real estate Market risk 10,786 — — 10,786 9,370 2,238,384 2,258,540 Commercial — 495 193 688 881 810,149 811,718 Secured by 1-4 family 104 179 106 389 1,449 372,605 374,443 Consumer — 212 — 212 34 71,217 71,463 Equipment leases 304 — — 304 190 255,968 256,462 Total loans held for investment $ 19,940 $ 10,185 $ 17,584 $ 47,709 $ 225,384 $ 24,463,549 $ 24,736,642 (1) Loans past due 90 days and still accruing includes premium finance loans of $8.5 million . These loans are generally secured by obligations of insurance carriers to refund premiums on canceled insurance policies. The receipt of the refund of premiums from the insurance carriers can take 180 days or longer from the cancellation date. As of December 31, 2019 and December 31, 2018 , we did not have any loans considered restructured that were not on non-accrual. Of the non-accrual loans at December 31, 2019 and 2018 , $35.1 million and $20.0 million , respectively, met the criteria for restructured. These loans had no unfunded commitments at their respective balance sheet dates. The following table details the recorded investment at December 31, 2019 and 2018 of loans that have been restructured during the years ended December 31, 2019 and 2018 by type of modification: Extended Maturity Adjusted Payment Schedule Total (in thousands, except number of contracts) Number of Contracts Balance at Period End Number of Contracts Balance at Period End Number of Contracts Balance at Period End Year Ended December 31, 2019 Commercial Business loans 1 $ 1,753 3 $ 21,193 4 $ 22,946 Energy loans 1 3,935 — — 1 3,935 Total 2 $ 5,688 3 $ 21,193 $ 5 $ 26,881 Year Ended December 31, 2018 Commercial Business loans — $ — 2 $ 2,411 $ 2 $ 2,411 Energy loans — — 5 10,047 5 10,047 Total — $ — 7 $ 12,458 $ 7 $ 12,458 Restructured loans generally include terms to temporarily place the loan on interest only, extend the payment terms or reduce the interest rate. We did not forgive any principal on the above restructured loans. At December 31, 2019 , all of the above loans restructured in 2019 were on non-accrual. The restructuring of the loans did not have a significant impact on our allowance for loan losses at December 31, 2019 or 2018 . As of December 31, 2019 and 2018 , we did not have any loans that were restructured within the last 12 months that subsequently defaulted.

OREO and Valuation Allowance fo

OREO and Valuation Allowance for Losses on OREO	12 Months Ended
	Dec. 31, 2019
Real Estate Owned, Disclosure of Detailed Components [Abstract]
OREO and Valuation Allowance for Losses on OREO	OREO and Valuation Allowance for Losses on OREO The table below presents a summary of the activity related to OREO: Year ended December 31, (in thousands) 2019 2018 2017 Beginning balance $ 79 $ 11,742 $ 18,961 Additions — — — Sales (79 ) (11,663 ) (1,108 ) Valuation allowance for OREO — — — Direct write-downs — — (6,111 ) Ending balance $ — $ 79 $ 11,742 During 2017, we recorded a $6.1 million write-down on one asset. In 2018, we sold this asset and recorded a $2.0 million gain on sale. The gain on sale was recorded in other non-interest income.

Certain Transfers of Financial

Certain Transfers of Financial Assets	12 Months Ended
	Dec. 31, 2019
Transfers and Servicing [Abstract]
Certain Transfers of Financial Assets	Certain Transfers of Financial Assets The table below presents a reconciliation of the changes in loans held for sale: Year Ended December 31, (in thousands) 2019 2018 Outstanding balance(1): Beginning balance $ 1,949,785 $ 1,012,580 Loans purchased and originated 10,183,057 6,753,709 Payments and loans sold (9,564,480 ) (5,816,504 ) Ending balance 2,568,362 1,949,785 Fair value adjustment: Beginning balance 19,689 (1,576 ) Increase/(decrease) to fair value (10,917 ) 21,265 Ending balance 8,772 19,689 Loans held for sale at fair value $ 2,577,134 $ 1,969,474 (1) Includes $5.8 million and $299,000 of loans held for sale that are carried at lower of cost or market as of December 31, 2019 and 2018 , respectively, as well as $3.3 million as of December 31, 2017. No loans held for sale were on non-accrual as of December 31, 2019 or December 31, 2018 . At December 31, 2019 and December 31, 2018 , we had $8.2 million and $16.8 million , respectively, in loans held for sale that were 90 days or more past due. The $8.2 million in loans held for sale that were 90 days or more past due at December 31, 2019 included $6.0 million in loans guaranteed by U.S. government agencies that were purchased out of Ginnie Mae securities and recorded as loans held for sale, at fair value, on the balance sheet. Interest on these past due loans accrues at the debenture rate guaranteed by the U.S. government. Also included in the $8.2 million were $1.9 million in loans that, pursuant to Ginnie Mae servicing guidelines, we have the unilateral right, but not the obligation, to repurchase if defined delinquent loan criteria are met, and therefore must record as held for sale on our balance sheet regardless of whether the repurchase option has been exercised. At December 31, 2018 , $16.0 million of the $16.8 million in loans held for sale were loans guaranteed by U.S. government agencies that were purchased out of Ginnie Mae securities and recorded as loans held for sale, at fair value, on the balance sheet. From time to time we retain the right to service the loans sold through our MCA program, creating MSRs which are recorded as assets on our balance sheet. A summary of MSR activity is as follows: Year Ended December 31, (in thousands) 2019 2018 MSRs: Balance, beginning of year $ 42,474 $ 88,150 Capitalized servicing rights 39,774 39,149 Amortization (11,541 ) (9,278 ) Sales — (75,547 ) Balance, end of period $ 70,707 $ 42,474 Valuation allowance: Balance, beginning of year $ — $ 2,823 Increase (decrease) in valuation allowance 5,803 (2,823 ) Balance, end of period $ 5,803 $ — MSRs, net $ 64,904 $ 42,474 MSRs, fair value $ 64,904 $ 44,502 At December 31, 2019 and 2018 , our servicing portfolio of residential mortgage loans had an outstanding principal balance of $6.7 billion and $3.9 billion , respectively. In connection with the servicing of these loans, we hold deposits in the name of investors representing escrow funds for taxes and insurance, as well as collections in transit to the investors. These escrow funds are segregated and held in separate non-interest-bearing bank accounts at the Bank. These deposits, included in total non-interest-bearing deposits on the consolidated balance sheets, were $63.7 million at December 31, 2019 and $37.9 million at December 31, 2018 . The estimated fair value of the MSR assets is obtained from an independent third party and reviewed by management on a quarterly basis. MSRs typically do not trade in an active, open market with readily observable prices; as such, the fair value of MSRs is determined using a discounted cash flow model to calculate the present value of the estimated future net servicing income. The assumptions utilized in the discounted cash flow model are based on market data for comparable assets, where available. Each quarter, management and the independent third party review the key assumptions used in the discounted cash flow model and make adjustments as necessary to estimate the fair value of the MSRs. At December 31, 2019 , the estimated fair value of MSRs was adjusted as a result of the decline in mortgage interest rates during the year, which resulted in an impairment charge of $5.8 million . There was no impairment at December 31, 2018 . The following summarizes the assumptions used by management to determine the fair value of MSRs: December 31, 2019 2018 Average discount rates 9.06 % 9.55 % Expected prepayment speeds 13.11 % 9.77 % Weighted-average life, in years 5.8 7.0 A sensitivity analysis of changes in the fair value of our MSR portfolio resulting from certain key assumptions is presented in the following table: December 31, (in thousands) 2019 2018 50 bp adverse change in prepayment speed $ (10,768 ) $ (6,028 ) 100 bp adverse change in prepayment speed (17,965 ) (11,629 ) These sensitivities are hypothetical and actual results may differ materially due to a number of factors. The effect on fair value of a 10% variation in assumptions generally cannot be determined with confidence because the relationship of the change in assumptions to the change in fair value may not be linear. Additionally, the impact of a variation in a particular assumption on the fair value is calculated while holding other assumptions constant. In reality, changes in one factor may be correlated with changes in other factors, which could impact the sensitivity analysis as presented. In conjunction with the sale and securitization of loans held for sale, we may be exposed to liability resulting from repurchase, indemnification and make-whole agreements. Our estimated exposure related to those agreements totaled $3.6 million and $1.6 million at December 31, 2019 and December 31, 2018 , respectively, and is recorded in other liabilities in the consolidated balance sheets. We incurred $9.0 million in losses due to make-whole obligations during the year ended December 31, 2019 compared to $258,000 in 2018 . The increase in make-whole obligation losses is primarily related to an increase in early payoffs resulting from the declining interest rate environment.

Leases

Leases	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Leases	Leases Our leases relate primarily to office space and bank branches with remaining lease terms of generally 1 to 13 years. Certain lease arrangements contain extension options which typically range from 5 to 10 years at the then fair market rental rates. As these extension options are not generally considered reasonably certain of exercise, they are not included in the lease term. As of December 31, 2019 , operating lease ROU assets and liabilities were $80.0 million and $95.9 million , respectively. We do not currently have any significant finance leases in which we are the lessee. The table below summarizes our net lease cost: (in thousands) Year Ended Operating lease cost $ 14,844 Short-term lease cost 19 Variable lease cost 3,918 Sublease income (126 ) Net lease cost $ 18,656 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 14,711 Non-cash changes in ROU assets $ 98,369 Non-cash changes in lease liabilities(1) $ 108,189 (1) Includes $87.9 million in lease liabilities from new ROU assets obtained during the year ended December 31, 2019 . The table below summarizes other information related to our operating leases: December 31, 2019 Weighted-average remaining lease term - operating leases, in years 7.2 Weighted-average discount rate - operating leases 2.75 % The table below summarizes the maturity of remaining lease liabilities: (in thousands) December 31, 2019 2020 $ 16,586 2021 17,136 2022 16,338 2023 16,377 2024 11,619 2025 and thereafter 28,018 Total lease payments 106,074 Less: Interest (10,187 ) Present value of lease liabilities $ 95,887

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets Goodwill and other intangible assets are summarized as follows: (in thousands) Gross Goodwill and Intangible Assets Accumulated Amortization Net Goodwill and Intangible Assets December 31, 2019 Goodwill $ 15,468 $ (374 ) $ 15,094 Intangible assets—customer relationships and trademarks 9,006 (6,001 ) 3,005 Total goodwill and intangible assets $ 24,474 $ (6,375 ) $ 18,099 December 31, 2018 Goodwill $ 15,468 $ (374 ) $ 15,094 Intangible assets—customer relationships and trademarks 9,006 (5,530 ) 3,476 Total goodwill and intangible assets $ 24,474 $ (5,904 ) $ 18,570 Amortization expense related to intangible assets totaled $471,000 in 2019 , $470,000 in 2018 and $472,000 in 2017 . The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2019 is as follows: (in thousands) 2020 $ 432 2021 405 2022 405 2023 382 2024 268 Thereafter 1,113 Total $ 3,005

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and Equipment Premises and equipment are summarized as follows: December 31, (in thousands) 2019 2018 Premises $ 30,181 $ 27,999 Furniture and equipment 42,176 35,130 Total cost 72,357 63,129 Accumulated depreciation (41,145 ) (39,327 ) Total premises and equipment, net $ 31,212 $ 23,802 Depreciation expense for the above premises and equipment was approximately $9.2 million, $9.0 million and $6.9 million in 2019 , 2018 and 2017 , respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Deposits	Deposits Deposits are summarized as follows: December 31, (in thousands) 2019 2018 Non-interest-bearing demand deposits $ 9,438,459 $ 7,317,161 Interest-bearing deposits Transaction 3,651,128 3,051,535 Savings 10,517,975 8,222,893 Time 2,871,031 2,014,524 Total interest-bearing deposits 17,040,134 13,288,952 Total deposits $ 26,478,593 $ 20,606,113 The scheduled maturities of interest-bearing time deposits were as follows at December 31, 2019 : (in thousands) 2020 $ 2,810,219 2021 49,275 2022 6,648 2023 271 2024 1,763 2025 and after 2,855 Total $ 2,871,031 At December 31, 2019 and 2018 , interest-bearing time deposits of $250,000 or more were approximately $347.7 million and $270.2 million, respectively.

Short-Term and Other Borrowings

Short-Term and Other Borrowings	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Short-Term and Other Borrowings	Borrowings The following table summarizes our short-term and other borrowings: (dollar amounts in thousands) Federal Funds Purchased Customer Repurchase Agreements FHLB Borrowings December 31, 2019 Amount outstanding at year-end $ 132,270 $ 9,496 $ 2,400,000 Interest rate at year-end 1.66 % 0.61 % 1.68 % Average balance outstanding during the year $ 502,604 $ 11,655 $ 2,523,836 Weighted-average interest rate during the year 2.36 % 0.51 % 2.31 % Maximum month-end outstanding during the year $ 905,473 $ 14,208 $ 5,000,000 December 31, 2018 Amount outstanding at year-end $ 629,169 $ 12,005 $ 3,900,000 Interest rate at year-end 2.54 % 0.09 % 2.56 % Average balance outstanding during the year $ 323,140 $ 9,812 $ 1,769,452 Weighted-average interest rate during the year 2.02 % 0.09 % 2.05 % Maximum month-end outstanding during the year $ 629,169 $ 13,835 $ 4,000,000 December 31, 2017 Amount outstanding at year-end $ 359,338 $ 5,702 $ 2,800,000 Interest rate at year-end 1.45 % 0.03 % 1.35 % Average balance outstanding during the year $ 215,895 $ 6,590 $ 1,395,753 Weighted-average interest rate during the year 1.20 % 0.04 % 1.08 % Maximum month-end outstanding during the year $ 544,203 $ 8,727 $ 2,800,000 The following table summarizes our other borrowing capacities net of balances outstanding. As of December 31, 2019 , all are scheduled to mature within one year. December 31, (in thousands) 2019 2018 2017 FHLB borrowing capacity relating to loans $ 8,964,019 $ 4,568,842 $ 3,890,995 FHLB borrowing capacity relating to securities 589 721 2,071 Total FHLB borrowing capacity(1) $ 8,964,608 $ 4,569,563 $ 3,893,066 Unused federal funds lines available from commercial banks $ 1,432,000 $ 620,000 $ 885,000 Unused Federal Reserve borrowings capacity $ 3,637,238 $ 4,933,965 $ 4,114,594 Unused revolving line of credit(2) $ 130,000 $ 130,000 $ 130,000 (1) FHLB borrowings are collateralized by a blanket floating lien on certain real estate secured loans, mortgage finance assets and also certain pledged securities. (2) Unsecured revolving, non-amortizing line of credit with maturity date of December 15, 2020. Proceeds may be used for general corporate purposes, including funding regulatory capital infusions into the Bank. The loan agreement contains customary financial covenants and restrictions. No borrowings were made against this line of credit during 2019, 2018, or 2017.

Long-Term Debt

Long-Term Debt	12 Months Ended
	Dec. 31, 2019
Subordinated Borrowings [Abstract]
Long-Term Debt	Long-Term Debt From November 2002 to September 2006 various Texas Capital Statutory Trusts were created and subsequently issued floating rate trust preferred securities in various private offerings totaling $113.4 million . As of December 31, 2019 , the details of the trust preferred subordinated debentures are summarized below: (dollar amounts in thousands) Texas Capital Texas Capital Texas Capital Texas Capital Texas Capital Date issued November 19, 2002 April 10, 2003 October 6, 2005 April 28, 2006 September 29, 2006 Trust preferred securities issued $10,310 $10,310 $25,774 $25,774 $41,238 Floating or fixed rate securities Floating Floating Floating Floating Floating Interest rate on subordinated debentures 3 month LIBOR 3 month LIBOR 3 month LIBOR 3 month LIBOR 3 month LIBOR Maturity date November 2032 April 2033 December 2035 June 2036 December 2036 On September 21, 2012, the Company issued $111.0 million of subordinated notes. The notes mature in September 2042 and bear interest at a rate of 6.50% per annum, payable quarterly. The indenture governing the notes contains customary covenants and restrictions. On January 31, 2014, the Bank issued $175.0 million of subordinated notes in an offering to institutional investors exempt from registration under Section 3(a)(2) of the Securities Act of 1933 and 12 C.F.R. Part 16. The notes mature in January 2026 and bear interest at a rate of 5.25% per annum, payable semi-annually. The notes are unsecured and are subordinate to the Bank’s obligations to its depositors, its obligations under banker’s acceptances and letters of credit, certain obligations to Federal Reserve Banks and the FDIC and the Bank’s obligations to its other creditors, except any obligations which expressly rank on a parity with or junior to the notes. The notes qualify as Tier 2 capital for regulatory capital purposes, subject to applicable limitations.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Income tax expense/(benefit) consists of the following: Year ended December 31, (in thousands) 2019 2018 2017 Current: Federal $ 69,427 $ 82,556 $ 94,112 State 4,072 3,808 3,257 Total 73,499 86,364 97,369 Deferred: Federal 10,796 (6,400 ) 31,276 State — — — Total 10,796 (6,400 ) 31,276 Total expense: Federal 80,223 76,156 125,388 State 4,072 3,808 3,257 Total $ 84,295 $ 79,964 $ 128,645 The reconciliation of our effective income tax rate to the U.S. federal statutory tax rate is as follows: Year ended December 31, 2019 2018 2017 U.S. statutory rate 21 % 21 % 35 % State taxes 1 % 1 % 1 % Non-deductible expenses 1 % 1 % 1 % Deferred tax asset remeasurement write-off — % — % 5 % Non-taxable income (1 )% (1 )% (1 )% Other (1 )% (1 )% (1 )% Effective tax rate 21 % 21 % 40 % The tax effect of unrealized gains and losses on available-for-sale debt securities is recorded to other comprehensive income and is not a component of income tax expense/(benefit). We are no longer subject to U.S. federal income tax examinations for years before 2016 or state and local income tax examinations for years before 2015 . The table below summarizes significant components of our deferred tax assets and liabilities utilizing the federal corporate income tax rate of 21%. Management believes it is more likely than not that all of the deferred tax assets will be realized. Our net deferred tax assets are included in other assets in the consolidated balance sheets. December 31, (in thousands) 2019 2018 Deferred tax assets: Allowance for credit losses $ 44,383 $ 44,224 Operating lease liabilities 20,894 — Loan origination fees 10,638 11,328 Stock compensation 3,605 3,363 Non-accrual interest 2,351 1,724 Non-qualified deferred compensation 4,027 2,211 Other 2,544 2,517 Total deferred tax assets 88,442 65,367 Deferred tax liabilities: Loan origination costs (2,686 ) (2,049 ) Leases (7,912 ) (9,000 ) Operating lease ROU assets (19,644 ) — MSRs (13,818 ) (9,184 ) Depreciation (17,602 ) (8,233 ) Unrealized gain on securities (2,379 ) (138 ) Other (3,337 ) (2,662 ) Total deferred tax liabilities (67,378 ) (31,266 ) Net deferred tax asset $ 21,064 $ 34,101

Stock-Based Compensation and Em

Stock-Based Compensation and Employee Benefits	12 Months Ended
	Dec. 31, 2019
Compensation Related Costs [Abstract]
Stock-Based Compensation and Employee Benefits	Stock-Based Compensation and Employee Benefits We have a qualified retirement plan with a salary deferral feature designed to qualify under Section 401 of the Internal Revenue Code (“the 401(k) Plan”). The 401(k) Plan permits our employees to defer a portion of their compensation. Matching contributions may be made in amounts and at times determined by the Company. We contributed approximately $9.5 million , $9.6 million , and $8.4 million for the years ended December 31, 2019 , 2018 and 2017 , respectively. Employees are eligible to participate in the 401(k) Plan when they meet certain requirements concerning minimum age and period of credited service. All contributions to the 401(k) Plan are invested in accordance with participant elections among certain investment options. We also offer a non-qualified deferred compensation plan for our executives and key members of management in order to assist us in attracting and retaining these individuals. Participants in the plan may elect to defer up to 75% of their annual salary and/or short-term incentive payout into deferral accounts that mirror the gains or losses of investments selected by the participants. The plan allows us to make discretionary contributions on behalf of a participant as well as matching contributions. We made matching contributions of $1.0 million in both 2019 and 2018 and made discretionary contributions of $260,000 in 2017. All participant contributions to the plan and any related earnings are immediately vested and may be withdrawn upon the participant's separation from service, death or disability or upon a date specified by the participant. Salary deferrals are recorded as salaries and employee benefits expense in the consolidated statements of income with an offsetting payable to participants in other liabilities on the consolidated balance sheets. We have an Employee Stock Purchase Plan (“ESPP”). Employees are eligible for the ESPP when they meet certain requirements concerning period of credited service and minimum hours worked. Eligible employees may contribute a between 1% and 10% of eligible compensation up to the Section 423 of the Internal Revenue Code limit of $25,000. In 2006, stockholders approved the ESPP, which allocated 400,000 shares for purchase. As of December 31, 2019 , 2018 and 2017 , 155,933 , 143,348 and 132,285 shares had been purchased on behalf of employees under the ESPP. We have stock-based compensation plans under which equity-based compensation grants are made by the board of directors, or its designated committee. Grants are subject to vesting requirements. Under the plans, we may grant, among other things, non-qualified stock options, incentive stock options, restricted stock, restricted stock units (“RSUs”), stock appreciation rights (“SARs”), cash-settled performance units or any combination thereof to employees and non-employee directors. A total of 2,550,000 shares are authorized for grant under the plans. Total shares remaining available for grant under the plans at December 31, 2019 were 1,772,070 . A summary of our SAR activity and related information is as follows. Grants of SARs include time-based vesting conditions that generally vest ratably over a period of five years. December 31, 2019 December 31, 2018 December 31, 2017 SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price SARs outstanding at beginning of year 41,350 $ 29.13 74,363 $ 30.12 125,863 $ 31.68 SARs exercised (20,150 ) 24.07 (33,013 ) 31.35 (51,500 ) 33.94 SARs outstanding at year-end 21,200 $ 33.95 41,350 $ 29.13 74,363 $ 30.12 SARs vested and exercisable at year-end 21,200 $ 33.95 39,750 $ 27.81 60,463 $ 26.02 Weighted average remaining contractual life of SARs vested (in years) 2.14 2.33 2.82 Weighted average remaining contractual life of SARs outstanding (in years) 2.14 2.44 3.35 Compensation expense $ 6,000 $ 121,000 $ 265,000 Unrecognized compensation expense $ — $ 6,000 $ 127,000 Weighted average period over which unrecognized compensation expense is expected to be recognized (in years) 0.00 0.17 0.75 Fair value of shares vested during the year $ 37,000 $ 211,000 $ 294,000 Intrinsic value of SARs exercised $ 724,000 $ 1,919,000 $ 3,802,000 A summary of our RSU activity and related information is as follows. Grants of RSUs include time-based vesting conditions that generally vest ratably over a period of three to five years. Additionally, from time to time, grants of RSUs with both time-based and performance-based vesting conditions are made that generally vest at the end of a three or four year period. December 31, 2019 December 31, 2018 December 31, 2017 RSUs Weighted Average Grant Date Fair Value RSUs Weighted RSUs Weighted RSUs outstanding at beginning of year 349,533 $ 69.11 423,732 $ 60.01 425,055 $ 51.28 RSUs granted 386,913 59.28 95,891 88.07 121,243 80.40 RSUs vested (140,666 ) 59.97 (121,507 ) 54.97 (102,057 ) 48.93 RSUs forfeited (37,468 ) 62.73 (48,583 ) 63.60 (20,509 ) 54.75 RSUs outstanding at year-end 558,312 $ 64.95 349,533 $ 69.11 423,732 $ 60.01 Compensation expense $ 11,733,000 $ 8,803,000 $ 7,790,000 Unrecognized compensation expense $ 25,305,000 $ 16,538,000 $ 18,730,000 Weighted average period over which unrecognized compensation expense is expected to be recognized (in years) 3.09 2.90 3.15 New non-employee directors receive grants of restricted common stock as to which restrictions lapse ratably over a period of three years. Compensation expense for these grants was $36,000 , $62,000 and $61,000 for the years ended December 31, 2019 , 2018 and 2017 , respectively. Total compensation cost for all share-based arrangements was $11.8 million, $9.0 million and $8.1 million for the years ended December 31, 2019 , 2018 and 2017 , respectively. Cash-settled units totaling 163,856 were outstanding at December 31, 2019 , all of which are time-based and vest ratably over a period of four years . We granted 138,773 and 121,260 cash-settled units in 2018 and 2017 , respectively. No grants were made in 2019. Since these units have a cash payout feature, they are accounted for under the liability method with related expense based on the stock price at period end. Compensation cost for the cash-settled units was $5.8 million, $8.0 million and $13.9 million for the years ended December 31, 2019 , 2018 and 2017 , respectively.

Financial Instruments with Off-

Financial Instruments with Off-Balance Sheet Risk	12 Months Ended
	Dec. 31, 2019
Risks and Uncertainties [Abstract]
Financial Instruments with Off-Balance Sheet Risk	Financial Instruments with Off-Balance Sheet Risk The table below presents our financial instruments with off-balance sheet risk, as well as the activity in the allowance for off-balance sheet credit losses related to those financial instruments. This allowance is recorded in other liabilities on the consolidated balance sheet. Year Ended December 31, (in thousands) 2019 2018 Beginning balance of allowance for off-balance sheet credit losses $ 11,434 $ 9,071 Provision for off-balance sheet credit losses (2,794 ) 2,363 Ending balance of allowance for off-balance sheet credit losses $ 8,640 $ 11,434 Commitments to extend credit - period end balance $ 8,066,655 $ 8,030,198 Standby letters of credit - period end balance $ 261,405 $ 236,537

Regulatory Restrictions

Regulatory Restrictions	12 Months Ended
	Dec. 31, 2019
Regulatory Capital Requirements [Abstract]
Regulatory Restrictions	The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory (and possibly additional discretionary) actions by regulators that, if undertaken, could have a direct material adverse effect on the Company’s and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. The Basel III regulatory capital framework (the "Basel III Capital Rules") adopted by U.S. federal regulatory authorities, among other things, (i) establishes the capital measure called "Common Equity Tier 1" ("CET1"), (ii) specifies that Tier 1 capital consist of CET1 and "Additional Tier 1 Capital" instruments meeting stated requirements, (iii) requires that most deductions/adjustments to regulatory capital measures be made to CET1 and not to other components of capital and (iv) defines the scope of the deductions/adjustments to the capital measures. The Basel III Capital Rules became effective for us on January 1, 2015 with certain transition provisions that became fully phased in on January 1, 2019. Additionally, the Basel III Capital Rules require that we maintain a capital conservation buffer with respect to each of CET1, Tier 1 and total capital to risk-weighted assets, which provides for capital levels that exceed the minimum risk-based capital adequacy requirements. The capital conservation buffer was subject to a three year phase-in period that began on January 1, 2016 and became fully phased-in on January 1, 2019 at 2.5%. The required capital conservation buffer during 2018 was 1.875%. A financial institution with a conservation buffer of less than the required amount is subject to limitations on capital distributions, including dividend payments and stock repurchases, and certain discretionary bonus payments to executive officers. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of CET1, Tier 1 and total capital to risk-weighted assets, and of Tier 1 capital to average assets, each as defined in the regulations. Management believes, as of December 31, 2019 , that the Company and the Bank meet all capital adequacy requirements to which they are subject. Financial institutions are categorized as well capitalized or adequately capitalized, based on minimum total risk-based, Tier 1 risk-based, CET1 and Tier 1 leverage ratios. As shown in the table below, the Company’s capital ratios exceeded the regulatory definition of "well capitalized" as of December 31, 2019 and 2018 . Based upon the information in its most recently filed call report, the Bank met the capital ratios necessary to be well capitalized. The regulatory authorities can apply changes in classification of assets and such changes may retroactively subject the Company to changes in capital ratios. Any such change could reduce one or more capital ratios below well-capitalized status. In addition, a change may result in imposition of additional assessments by the FDIC or could result in regulatory actions that could have a material effect on our condition and results of operations. Because the Bank had less than $15.0 billion in total consolidated assets as of December 31, 2009, we are allowed to continue to classify our trust preferred securities, all of which were issued prior to May 19, 2010, as Tier 1 capital. The table below summarizes our actual and required capital ratios under the Basel III Capital Rules: Actual Minimum Capital Required - Basel III Phase-In Schedule Minimum capital Required - Basel III Fully Phased-In Required to be Considered Well Capitalized (dollars in thousands) Capital Amount Ratio Capital Amount Ratio Capital Amount Ratio Capital Amount Ratio December 31, 2019 CET1 Company $ 2,653,999 8.88 % $ 1,344,825 4.50 % $ 2,091,591 7.00 % N/A N/A Bank 2,676,513 8.96 % 1,344,131 4.50 % 2,090,870 7.00 % 1,941,522 6.50 % Total capital (to risk-weighted assets) Company 3,398,345 11.37 % 2,390,801 8.00 % 3,137,926 10.50 % N/A N/A Bank 3,262,144 10.92 % 2,389,565 8.00 % 3,136,305 10.50 % 2,986,957 10.00 % Tier 1 capital (to risk-weighted assets) Company 2,912,529 9.75 % 1,793,101 6.00 % 2,540,226 8.50 % N/A N/A Bank 2,835,043 9.49 % 1,792,174 6.00 % 2,538,913 8.50 % 2,389,565 8.00 % Tier 1 capital (to average assets)(1) Company 2,912,529 8.42 % 1,383,640 4.00 % 1,383,640 4.00 % N/A N/A Bank 2,835,043 8.20 % 1,383,190 4.00 % 1,383,190 4.00 % 1,728,988 5.00 % December 31, 2018 CET1 Company $ 2,330,599 8.58 % $ 1,732,501 6.38 % $ 1,902,354 7.00 % N/A N/A Bank 2,340,988 8.62 % 1,731,955 6.38 % 1,901,755 7.00 % 1,765,915 6.50 % Total capital (to risk-weighted assets) Company 3,074,097 11.31 % 2,683,679 9.88 % 2,853,532 10.50 % N/A N/A Bank 2,925,872 10.77 % 2,682,833 9.88 % 2,852,632 10.50 % 2,716,793 10.00 % Tier 1 capital (to risk-weighted assets) Company 2,589,374 9.53 % 2,140,149 7.88 % 2,310,002 8.50 % N/A N/A Bank 2,499,763 9.20 % 2,139,474 7.88 % 2,309,274 8.50 % 2,173,434 8.00 % Tier 1 capital (to average assets)(1) Company 2,589,374 9.87 % 1,049,694 4.00 % 1,049,694 4.00 % N/A N/A Bank 2,499,763 9.53 % 1,049,296 4.00 % 1,049,296 4.00 % 1,311,620 5.00 % (1) The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve and the FDIC may require the Company and the Bank, respectively, to maintain a Tier 1 capital ratio (to average assets) above the required minimum. Our mortgage finance loan volumes can increase significantly at month-end, causing a meaningful difference between ending balance and average balance for any period. At December 31, 2019 , our mortgage finance loans were $8.2 billion compared to the average for the quarter ended December 31, 2019 of $7.9 billion . As CET1, Tier 1 and total capital ratios are calculated using quarter-end risk-weighted assets and our mortgage finance loans are 100% risk-weighted (excluding MCA mortgage loans held for sale, which receive lower risk weights), the period-end fluctuation in these balances can significantly impact our reported ratios. Due to the actual risk profile and liquidity of this asset class, we manage capital allocated to mortgage finance loans based on changing trends in average balances and do not believe that the period-end balance is representative of risk characteristics that would justify higher allocations. However, we monitor our capital allocation to confirm that all capital levels remain above well-capitalized levels. Dividends that may be paid by banks are routinely restricted by various regulatory authorities. The amount that can be paid in any calendar year without prior approval of our Bank’s regulatory agencies cannot exceed the lesser of the net profits (as defined) for that year plus the net profits for the preceding two calendar years, or retained earnings. The Basel III Capital Rules further limit the amount of dividends that may be paid by our Bank. No dividends were declared or paid on our common stock during 2019 , 2018 or 2017 . The required reserve balances at the Federal Reserve at December 31, 2019 and 2018 were approximately $283.4 million and $157.7 million, respectively.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share The following table presents the computation of basic and diluted earnings per share: Year ended December 31, (in thousands except per share data) 2019 2018 2017 Numerator: Net income $ 322,866 $ 300,824 $ 197,063 Preferred stock dividends 9,750 9,750 9,750 Net income available to common stockholders $ 313,116 $ 291,074 $ 187,313 Denominator: Denominator for basic earnings per share—weighted average shares 50,286,300 49,936,702 49,587,169 Effect of employee stock-based awards(1) 132,904 218,275 239,008 Effect of warrants to purchase common stock — 117,895 433,657 Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions 50,419,204 50,272,872 50,259,834 Basic earnings per common share $ 6.23 $ 5.83 $ 3.78 Diluted earnings per common share $ 6.21 $ 5.79 $ 3.73 (1) SARs and RSUs outstanding of 86,308 , 27,100 and 13,500 in 2019 , 2018 and 2017 , respectively, have not been included in diluted earnings per share because to do so would have been antidilutive for the periods presented.

Fair Value Disclosures

Fair Value Disclosures	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value Disclosures	Fair Value Disclosures We determine the fair market values of our assets and liabilities measured at fair value on a recurring and nonrecurring basis using the fair value hierarchy as prescribed in ASC 820. The standard describes three levels of inputs that may be used to measure fair value as provided below. Level 1 Quoted prices in active markets for identical assets or liabilities. Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3 Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair values requires significant management judgment or estimation. Assets and liabilities measured at fair value are as follows: Fair Value Measurements Using (in thousands) Level 1 Level 2 Level 3 December 31, 2019 Available-for-sale debt securities:(1) Residential mortgage-backed securities $ — $ 5,266 $ — Tax-exempt asset-backed securities — — 197,027 CRT Securities — — 11,964 Equity securities(1)(2) 18,484 7,130 — Loans held for sale(3) — 2,564,281 7,043 Loans held for investment(4)(6) — — 109,585 Derivative assets(7) — 48,684 — Derivative liabilities(7) — 51,310 — Non-qualified deferred compensation plan liabilities(8) 18,484 — — December 31, 2018 Available-for-sale debt securities:(1) Residential mortgage-backed securities $ — $ 7,242 $ — Tax-exempt asset-backed securities — — 95,804 Equity securities(1)(2) 10,262 6,908 — Loans held for sale(3) — 1,952,760 16,415 Loans held for investment(4)(6) — — 29,885 OREO(5)(6) — — 79 Derivative assets(7) — 21,806 — Derivative liabilities(7) — 41,375 — Non-qualified deferred compensation plan liabilities(8) 10,148 — — (1) Securities are measured at fair value on a recurring basis, generally monthly, except for tax-exempt asset-backed securities and CRT securities which are measured quarterly. (2) Equity securities consist of Community Reinvestment Act funds and investments related to our non-qualified deferred compensation plan. (3) Loans held for sale purchased through our MCA program are measured at fair value on a recurring basis, generally monthly. (4) Includes impaired loans that have been measured for impairment at the fair value of the loan’s collateral. (5) OREO is transferred from loans to OREO at fair value less selling costs. (6) Loans held for investment and OREO are measured on a nonrecurring basis, generally annually or more often as warranted by market and economic conditions. (7) Derivative assets and liabilities are measured at fair value on a recurring basis, generally quarterly. (8) Non-qualified deferred compensation plan liabilities represent the fair value of the obligation to the employee, which generally correspond to the fair value of the invested assets, and are measured at fair value on a recurring basis, generally monthly. Level 3 Valuations The following table presents a reconciliation of the level 3 fair value category measured at fair value on a recurring basis: Net Realized/Unrealized Gains (Losses) (in thousands) Balance at Beginning of Period Purchases / Additions Sales / Reductions Realized Unrealized Balance at End of Period Year ended December 31, 2019 Available-for-sale debt securities:(1) Tax-exempt asset-backed securities $ 95,804 $ 92,010 $ (4,302 ) $ — $ 13,515 $ 197,027 CRT Securities $ — $ 15,044 $ — $ (331 ) $ (2,749 ) $ 11,964 Loans held for sale(2) $ 16,415 $ 321 $ (10,690 ) $ 190 $ 807 $ 7,043 Year ended December 31, 2018 Tax-exempt asset-backed securities(1) $ — $ 95,521 $ (3 ) $ — $ 286 $ 95,804 Loans held for sale(2) $ — $ 38,430 $ (20,591 ) $ (173 ) $ (1,251 ) $ 16,415 (1) Unrealized gains/(losses) on available-for-sale debt securities are recorded in AOCI. Realized gains/(losses) are recorded in other non-interest income. (2) Realized and unrealized gains/(losses) on loans held for sale are recorded in gain/(loss) on sale of loans held for sale. Tax-exempt asset-backed securities The fair value of tax-exempt asset-backed securities is based on a discounted cash flow model, which utilizes Level 3, or unobservable, inputs, the most significant of which were a discount rate and weighted-average life. At December 31, 2019 , a discount rate of 2.99% and a weighted-average life of 7.0 years were utilized to determine the fair value of these securities, compared to 4.21% and 9.2 years, respectively, at December 31, 2018 . CRT securities The fair value of CRT securities is based on a discounted cash flow model, which utilizes Level 3, or unobservable, inputs, the most significant of which were a discount rate and weighted-average life. At December 31, 2019 , a discount rate of 4.54% and a weighted-average life of 9.3 years were utilized to determine the fair value of these securities. Loans held for sale The fair value of loans held for sale using Level 3 inputs include loans that cannot be sold through normal sale channels and thus require significant management judgment or estimation when determining the fair value. The fair value of such loans is generally based upon quoted prices of comparable loans with a liquidity discount applied. At December 31, 2019 , the fair value of these loans was calculated using a weighted-average discounted price of 94.1% , compared to 92.9% at December 31, 2018 . Loans held for investment Certain impaired loans held for investment are reported at fair value through a specific valuation allowance allocation of the allowance for loan losses based upon the fair value of the underlying collateral. The $109.6 million fair value of loans held for investment at December 31, 2019 reported above includes impaired loans held for investment with a carrying value of $145.4 million that were reduced by specific valuation allowance allocations totaling $35.8 million based on collateral valuations utilizing Level 3 inputs. The $29.9 million fair value of loans held for investment at December 31, 2018 reported above includes impaired loans with a carrying value of $32.2 million that were reduced by specific valuation allowance allocations totaling $2.3 million based on collateral valuations utilizing Level 3 inputs. OREO Certain foreclosed assets, upon initial recognition, are recorded at fair value less estimated selling costs. At December 31, 2019 and 2018 , OREO had a carrying value of $0 and $79,000 , respectively, with no specific valuation allowance. The fair value of OREO was computed based on third party appraisals, which are Level 3 valuation inputs. Fair Value of Financial Instruments GAAP requires disclosure of fair value information about financial instruments, whether or not recognized on the balance sheet, for which it is practical to estimate that value. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. This disclosure does not and is not intended to represent the fair value of the Company. A summary of the carrying amounts and estimated fair values of financial instruments is as follows: December 31, 2019 December 31, 2018 (in thousands) Carrying Amount Estimated Fair Value Carrying Estimated Financial assets: Level 1 inputs: Cash and cash equivalents $ 4,425,583 $ 4,425,583 $ 3,080,065 $ 3,080,065 Investment securities 18,484 18,484 10,262 10,262 Level 2 inputs: Investment securities 12,396 12,396 14,150 14,150 Loans held for sale 2,570,091 2,570,091 1,953,059 1,953,059 Derivative assets 48,684 48,684 21,806 21,806 Level 3 inputs: Investment securities 208,991 208,991 95,804 95,804 Loans held for sale 7,043 7,043 16,415 16,415 Loans held for investment, net 24,451,215 24,478,586 22,376,552 22,347,876 Financial liabilities: Level 2 inputs: Federal funds purchased 132,270 132,270 629,169 629,169 Customer repurchase agreements 9,496 9,496 12,005 12,005 Other borrowings 2,400,000 2,400,000 3,900,000 3,900,000 Subordinated notes 282,129 292,302 281,767 283,349 Trust preferred subordinated debentures 113,406 113,406 113,406 113,406 Derivative liabilities 51,310 51,310 41,375 41,375 Level 3 inputs: Deposits 26,478,593 29,357,121 20,606,113 20,608,494 The estimated fair value for cash and cash equivalents, variable rate loans and variable rate debt approximates carrying value. The following methods and assumptions were used by the Company in estimating its fair value disclosures for financial instruments: Investment Securities Within the investment securities portfolio, we hold equity securities related to our non-qualified deferred compensation plan that are valued using quoted market prices for identical equity securities in an active market, and are classified as Level 1 assets in the fair value hierarchy. The fair value of the remaining equity securities and residential mortgage-backed securities in our investment portfolio are based on prices obtained from independent pricing services that are based on quoted market prices for the same or similar securities, and are characterized as Level 2 assets in the fair value hierarchy. We have obtained documentation from our primary pricing service regarding their processes and controls applicable to pricing investment securities, and on a quarterly basis we independently verify the prices that we receive from the service provider using two additional independent pricing sources. We also hold tax-exempt asset-backed securities and CRT securities that are valued using a discounted cash flow model, which utilizes Level 3 inputs, and are classified as Level 3 assets in the fair value hierarchy. Loans Held for Sale Fair value for loans held for sale is derived from quoted market prices for similar loans, in which case they are characterized as Level 2 assets in the fair value hierarchy, or is derived from third party pricing models, in which case they are characterized as Level 3 assets in the fair value hierarchy. Derivatives The estimated fair value of interest rate swaps and caps is obtained from independent pricing services based on quoted market prices for similar derivative contracts and these financial instruments are characterized as Level 2 assets and liabilities in the fair value hierarchy. On a quarterly basis, we independently verify the fair value using an additional independent pricing source. Foreign currency forward contracts are valued based upon quoted market prices obtained from independent pricing services for similar derivative contracts. As such, these financial instruments are characterized as Level 2 assets and liabilities in the fair value hierarchy. The derivative instruments related to the loans held for sale portfolio include loan purchase commitments and forward sales commitments. Loan purchase commitments are valued based upon the fair value of the underlying mortgage loans to be purchased, which is based on observable market data for similar loans. Forward sales commitments are valued based upon quoted market prices from brokers. As such, these loan purchase commitments and forward sales commitments are characterized as Level 2 assets or liabilities in the fair value hierarchy.

Parent Company Only

Parent Company Only	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
Parent Company Only	Parent Company Only Summarized financial information for Texas Capital Bancshares, Inc. – Parent Company Only are as follows: Balance Sheet December 31, (in thousands) 2019 2018 Assets Cash and cash equivalents $ 71,462 $ 89,561 Loans held for investment (net of unearned income) 10,500 7,500 Investment in subsidiaries 2,878,330 2,534,341 Other assets 88,639 87,451 Total assets $ 3,048,931 $ 2,718,853 Liabilities and Stockholders’ Equity Other liabilities $ 1,768 $ 1,471 Subordinated notes 108,715 108,614 Trust preferred subordinated debentures 113,406 113,406 Total liabilities 223,889 223,491 Preferred stock 150,000 150,000 Common stock 503 502 Additional paid-in capital 988,357 978,042 Retained earnings 1,677,240 1,366,308 Treasury stock (8 ) (8 ) Accumulated other comprehensive income 8,950 518 Total stockholders’ equity 2,825,042 2,495,362 Total liabilities and stockholders’ equity $ 3,048,931 $ 2,718,853 Statement of Earnings Year ended December 31, (in thousands) 2019 2018 2017 Interest on loans $ 3,401 $ 3,398 $ 3,271 Dividend income 10,400 10,400 10,400 Other income 151 142 108 Total income 13,952 13,940 13,779 Other non-interest income 17 7 13 Interest expense 12,342 12,031 10,908 Salaries and employee benefits 607 588 489 Legal and professional 3,093 2,020 1,700 Other non-interest expense 1,889 2,013 1,761 Total expense 17,931 16,652 14,858 Income (loss) before income taxes and equity in undistributed income of subsidiary (3,962 ) (2,705 ) (1,066 ) Income tax expense (benefit) (861 ) (587 ) (371 ) Income (loss) before equity in undistributed income of subsidiary (3,101 ) (2,118 ) (695 ) Equity in undistributed income of subsidiary 323,783 300,758 194,118 Net income 320,682 298,640 193,423 Preferred stock dividends 9,750 9,750 9,750 Net income available to common stockholders $ 310,932 $ 288,890 $ 183,673 Statements of Cash Flows Year ended December 31, (in thousands) 2019 2018 2017 Operating Activities Net income $ 320,682 $ 298,640 $ 193,423 Adjustments to reconcile net income to net cash used in operating activities: Equity in undistributed income of subsidiary (323,783 ) (300,758 ) (194,118 ) Amortization 101 101 101 Increase in other assets (1,187 ) (1,152 ) (739 ) Increase (decrease) in other liabilities 297 227 (40 ) Net cash used in operating activities (3,890 ) (2,942 ) (1,373 ) Investing Activities Net increase in loans held for investment (3,000 ) — (7,500 ) Investments in and advances to subsidiaries — (40,000 ) (55,000 ) Net cash used in investing activities (3,000 ) (40,000 ) (62,500 ) Financing Activities Proceeds from sale of stock related to stock-based awards (1,459 ) (2,382 ) (2,241 ) Preferred dividends paid (9,750 ) (9,750 ) (9,750 ) Net cash used in financing activities (11,209 ) (12,132 ) (11,991 ) Net increase (decrease) in cash and cash equivalents (18,099 ) (55,074 ) (75,864 ) Cash and cash equivalents at beginning of year 89,561 144,635 220,499 Cash and cash equivalents at end of year $ 71,462 $ 89,561 $ 144,635

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2019
Related Party Transactions [Abstract]
Related Party Transactions	Related Party Transactions During 2019 and 2018, we have had transactions with our directors, executive officers and their affiliates and our employees. These transactions were made in the ordinary course of business and include extensions of credit and deposit transactions. The Bank had approximately $13.0 million in deposits from related parties, including directors, stockholders and their affiliates at December 31, 2019 and $13.5 million at December 31, 2018 .

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments The notional amounts and estimated fair values of derivative positions outstanding are presented in the following table: December 31, 2019 December 31, 2018 Estimated Fair Value Estimated Fair Value (in thousands) Notional Amount Asset Derivative Liability Derivative Notional Amount Asset Derivative Liability Derivative Non-hedging derivatives: Financial institution counterparties: Commercial loan/lease interest rate swaps $ 1,548,234 $ 182 $ 46,518 $ 1,579,328 $ 7,978 $ 16,719 Commercial loan/lease interest rate caps 639,163 32 — 606,950 1,109 4 Foreign currency forward contracts 2,219 169 — 39,737 2,263 59 Customer counterparties: Commercial loan/lease interest rate swaps 1,548,234 46,518 182 1,579,328 16,719 7,978 Commercial loan/lease interest rate caps 639,163 — 32 606,950 4 1,109 Foreign currency forward contracts 2,219 — 169 39,737 59 2,263 Economic hedging interest rate derivatives: Loan purchase commitments 214,012 1,965 4 167,984 1,442 6 Forward sale commitments 2,654,653 — 4,587 1,928,527 — 21,005 Gross derivatives 48,866 51,492 29,574 49,143 Offsetting derivative assets/liabilities (182 ) (182 ) (7,768 ) (7,768 ) Net derivatives included in the consolidated balance sheets $ 48,684 $ 51,310 $ 21,806 $ 41,375 The weighted-average received and paid interest rates for interest rate swaps outstanding were as follows: December 31, 2019 Weighted-Average Interest Rate December 31, 2018 Weighted-Average Interest Rate Received Paid Received Paid Non-hedging interest rate swaps 3.94 % 3.26 % 4.24 % 4.20 % The weighted-average strike rate for outstanding interest rate caps was 3.29% at December 31, 2019 and 3.20% at December 31, 2018 . Our credit exposure on derivative instruments is limited to the net favorable value and interest payments by each counterparty. In some cases collateral may be required from the counterparties involved if the net value of the derivative instruments exceeds a nominal amount. Our credit exposure associated with these instruments, net of any collateral pledged, was approximately $48.7 million at December 31, 2019 and approximately $18.7 million at December 31, 2018 . Collateral levels are monitored and adjusted on a regular basis for changes in interest rate swap and cap values, as well as for changes in the value of forward sale commitments. At December 31, 2019 , we had $56.6 million in cash collateral pledged for these derivatives, of which $54.3 million was included in interest-bearing deposits in other banks and $2.3 million was included in accrued interest receivable and other assets. At December 31, 2018 , we had $25.3 million in cash collateral pledged for these derivatives, of which $11.2 million was included in interest-bearing deposits and $14.1 million was included in accrued interest receivable and other assets. We also enter into credit risk participation agreements with financial institution counterparties for interest rate swaps related to loans in which we are either a participant or a lead bank. The risk participation agreements entered into by us as a participant bank provide credit protection to the financial institution counterparty should the borrower fail to perform on its interest rate derivative contract with that financial institution. We are party to 12 risk participation agreements where we are a participant bank with a notional amount of $146.7 million at December 31, 2019 , compared to 13 risk participation agreements having a notional amount of $149.1 million at December 31, 2018 . The maximum estimated exposure to these agreements, assuming 100% default by all obligors, was approximately $3.6 million at December 31, 2019 and $1.5 million at December 31, 2018 . The fair value of these exposures was insignificant to the consolidated financial statements at both December 31, 2019 and December 31, 2018 . Risk participation agreements entered into by us as the lead bank provide credit protection to us should the borrower fail to perform on its interest rate derivative contract with us. We are party to 12 risk participation agreements where we are the lead bank having a notional amount of $145.9 million at December 31, 2019 , compared to 9 agreements having a notional amount of $114.8 million at December 31, 2018 .

Stockholder's Equity

Stockholder's Equity	12 Months Ended
	Dec. 31, 2019
Stockholders' Equity Note [Abstract]
Stockholders' Equity	<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Stockholders’ Equity</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">On December 2, 2016, we completed a sale of </font><font style="font-family:inherit;font-size:10pt;">3.45 million</font><font style="font-family:inherit;font-size:10pt;"> shares of our common stock in a public offering. Net proceeds from the sale totaled </font><font style="font-family:inherit;font-size:10pt;">$236.4 million</font><font style="font-family:inherit;font-size:10pt;">. The additional equity was used for general corporate purposes, including repayment of </font><font style="font-family:inherit;font-size:10pt;">$20.0</font><font style="font-family:inherit;font-size:10pt;"> million of short-term debt and as additional capital to support continued loan growth.</font></div></div>

Quarterly Financial Data

Quarterly Financial Data	12 Months Ended
	Dec. 31, 2019
Selected Quarterly Financial Information [Abstract]
Quarterly Financial Information	Quarterly Financial Data (unaudited) The tables below summarize our quarterly financial information: 2019 Selected Quarterly Financial Data (in thousands, except per share data) Fourth Third Second First Interest income $ 337,757 $ 355,101 $ 346,893 $ 325,561 Interest expense 89,372 102,933 103,340 89,947 Net interest income 248,385 252,168 243,553 235,614 Provision for credit losses 17,000 11,000 27,000 20,000 Net interest income after provision for credit losses 231,385 241,168 216,553 215,614 Non-interest income 17,761 20,301 24,364 30,014 Non-interest expense 158,690 149,370 141,561 140,378 Income before income taxes 90,456 112,099 99,356 105,250 Income tax expense 16,539 23,958 21,387 22,411 Net income 73,917 88,141 77,969 82,839 Preferred stock dividends 2,437 2,438 2,437 2,438 Net income available to common stockholders $ 71,480 $ 85,703 $ 75,532 $ 80,401 Basic earnings per share: $ 1.42 $ 1.70 $ 1.50 $ 1.60 Diluted earnings per share: $ 1.42 $ 1.70 $ 1.50 $ 1.60 2018 Selected Quarterly Financial Data (in thousands, except per share data) Fourth Third Second First Interest income $ 321,718 $ 301,754 $ 286,852 $ 253,869 Interest expense 81,045 69,579 55,140 43,569 Net interest income 240,673 232,175 231,712 210,300 Provision for credit losses 35,000 13,000 27,000 12,000 Net interest income after provision for credit losses 205,673 219,175 204,712 198,300 Non-interest income 15,280 25,518 17,279 19,947 Non-interest expense 129,862 136,143 132,131 126,960 Income before income taxes 91,091 108,550 89,860 91,287 Income tax expense 19,200 22,998 18,424 19,342 Net income 71,891 85,552 71,436 71,945 Preferred stock dividends 2,437 2,438 2,437 2,438 Net income available to common stockholders $ 69,454 $ 83,114 $ 68,999 $ 69,507 Basic earnings per share: $ 1.38 $ 1.66 $ 1.39 $ 1.40 Diluted earnings per share: $ 1.38 $ 1.65 $ 1.38 $ 1.38

Operations and Summary of Sig_2

Operations and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Organization and Nature of Business	Organization and Nature of Business Texas Capital Bancshares, Inc. (the "Company”), a Delaware corporation, was incorporated in November 1996 and commenced banking operations in December 1998. The consolidated financial statements of the Company include the accounts of Texas Capital Bancshares, Inc. and its wholly owned subsidiary, Texas Capital Bank, National Association (the "Bank”). We serve the needs of commercial businesses and successful professionals and entrepreneurs located in Texas as well as operate several lines of business serving a regional or national clientele of commercial borrowers. We are primarily a secured lender, with the majority of our loans held for investment, excluding mortgage finance loans and other national lines of business, being made to businesses headquartered or with operations in Texas. Our national lines of business provide specialized leading products to businesses throughout the United States. On December 9, 2019, the Company entered into a merger agreement with IBTX, the holding company for Independent Bank, under which TCBI and IBTX will combine in an all-stock merger of equals. Under the terms of the merger agreement, each share of TCBI common stock outstanding immediately prior to the effective time, other than certain shares held by TCBI or IBTX, will be converted into the right to receive the merger consideration of 1.0311 shares of IBTX common stock. At the effective time, each outstanding share of TCBI preferred stock will be automatically converted into the right to receive one share of IBTX preferred stock having substantially the same terms as such share of TCBI preferred stock. The name of the surviving entity will be Independent Bank Group, Inc. and the name of the surviving bank will be Texas Capital Bank. The surviving bank will be operated under the name Independent Financial in Colorado and under the name Texas Capital Bank in Texas. The merger agreement was unanimously approved by the board of directors of TCBI and the board of directors of IBTX. The merger is expected to close in mid-2020, subject to satisfaction of customary closing conditions, including receipt of customary regulatory approvals and approval of the merger agreement by the stockholders of TCBI and the shareholders of IBTX, respectively. For more information on the merger agreement and the merger, see Part I, Item 1, Business-Merger with Independent Bank Group, Inc.
Basis of Presentation	Basis of Presentation Our accounting and reporting policies conform to accounting principles generally accepted in the United States ("GAAP") and to generally accepted practices within the banking industry. Certain prior period balances have been reclassified to conform to the current period presentation.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for loan losses, the fair value of financial instruments and the status of contingencies are particularly susceptible to significant change.
Basic and Diluted Earnings Per Common Share	Basic and Diluted Earnings Per Common Share Basic earnings per common share is based on net income available to common stockholders divided by the weighted-average number of common shares outstanding during the period excluding non-vested stock. Diluted earnings per common share include the dilutive effect of non-vested stock-based awards granted using the treasury stock method. A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 2 — Earnings Per Share.
Accumulated Other Comprehensive Income	Accumulated Other Comprehensive Income Unrealized gains or losses on our available-for-sale debt securities (after applicable income tax expense or benefit) are included in accumulated other comprehensive income (loss), net ("AOCI"). AOCI is reported in the accompanying consolidated statements of stockholders’ equity and consolidated statements of income and other comprehensive income. GAAP does not permit the adjustment of tax amounts in AOCI for changes in tax rates; as a result the effects become "stranded" in AOCI. Stranded tax effects caused by the 2018 revaluation of deferred taxes resulting from the corporate tax rates established by the Tax Cuts and Jobs Act (the "Tax Act") are reclassified from AOCI to retained earnings in accordance with our early adoption of ASU 2018-02 " Income Statement - Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income."
Cash and Cash Equivalents	Cash and Cash Equivalents Cash equivalents include amounts due from banks, interest-bearing deposits in other banks, federal funds sold and securities purchased under resale agreements.
Investment Securities	Investment Securities Investment securities include available-for-sale debt securities and equity securities at fair value. Debt Securities Debt securities are classified as trading, available-for-sale or held-to-maturity. Management classifies securities at the time of purchase and re-assesses such designation at each balance sheet date; however, transfers between categories from this re-assessment are rare. Trading Account Debt securities acquired for resale in anticipation of short-term market movements are classified as trading, with realized and unrealized gains and losses recognized in income. To date, we have not had any activity in our trading account. Held-to-Maturity Debt securities are classified as held-to-maturity when we have the positive intent and ability to hold the securities to maturity. Held-to-maturity securities are stated at amortized cost. Debt securities not classified as held-to-maturity or trading are classified as available-for-sale. Available-for-Sale Available-for-sale debt securities are stated at fair value, with the unrealized gains and losses reported as a separate component of AOCI, net of tax. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts to maturity, or in the case of mortgage-backed securities, over the estimated life of the security. Such amortization and accretion are included in interest income from securities. Realized gains and losses and declines in value judged to be other-than-temporary are included in gain (loss) on sale of securities. The cost of securities sold is based on the specific identification method. All debt securities are available-for-sale as of December 31, 2019 and 2018 . Equity Securities Beginning January 1, 2018, upon adoption of ASU 2016-01 " Recognition and Measurement of Financial Assets and Financial Liabilities," equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. For periods prior to January 1, 2018, equity securities were classified as available-for-sale and stated at fair value with unrealized gains and losses reported as a separate component of AOCI, net of tax. Equity securities without readily determinable fair values are recorded at cost less any impairment, if any.
Loans	Loans Loans Held for Sale Through our mortgage correspondent aggregation ("MCA") program, we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loan sales to independent third parties or in securitization transactions to third parties such as Ginnie Mae or to government sponsored entities such as Fannie Mae or Freddie Mac ("GSEs"). In some cases, we retain the mortgage servicing rights. Once purchased, these loans are classified as held for sale and are carried at fair value pursuant to our election of the fair value option in accordance with Accounting Standards Codification ("ASC") 825, Financial Instruments . At the commitment date, we enter into a corresponding forward sale commitment with a third party, typically Ginnie Mae or a GSE, to deliver the loans within a specified timeframe. The estimated gain/loss for the entire transaction (from initial purchase commitment to final delivery of loans) is recorded as an asset or liability. The fair value of loans held for sale is derived from observable current market prices, when available, and includes the fair value of the mortgage servicing rights. Adjustments to reflect unrealized gains and losses resulting from changes in fair value and realized gains and losses upon ultimate sale of the loans are classified as gain/(loss) on sale of loans held for sale in the consolidated statements of income and other comprehensive income. Residential mortgage loans held for sale are subject to both credit and interest rate risk. Credit risk is managed through underwriting policies and procedures, including collateral requirements, which are generally accepted by the secondary loan markets. Exposure to interest rate fluctuations is partially managed through forward sales contracts, which set the price for loans that will be delivered in the next 60 to 90 days. Pursuant to Ginnie Mae servicing guidelines, we have the unilateral right, but not the obligation, to repurchase certain delinquent loans securitized in Ginnie Mae pools, if they meet defined delinquent loan criteria. Once the delinquency criteria have been met, and regardless of whether the repurchase option has been exercised, we account for these loans as if they had been repurchased and recognize the loans and a corresponding liability as held for sale and other liabilities, respectively, in the consolidated balance sheets. If the loans are actually repurchased, the liability is extinguished and the loans continue to be reported as held for sale. As a Ginnie Mae approved lender, we may recover losses incurred on repurchased loans through a claims process with the government agency. From time to time we hold for sale the guaranteed portion of Small Business Administration 7(a) loans, which are carried at lower of cost or market. Loans Held for Investment Loans held for investment (including financing leases) are stated at the amount of unpaid principal reduced by deferred income (net of costs). Interest on loans is recognized using the simple-interest method on the daily balances of the principal amounts outstanding. Loan origination fees, net of direct loan origination costs, and commitment fees, are deferred and amortized as an adjustment to yield over the life of the loan, or over the commitment period, as applicable. A loan held for investment is considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. Reserves on impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the underlying collateral, less cost to sell. Impaired loans, or portions thereof, are charged off when a confirmed loss exists. Restructured loans are loans on which, due to the borrower’s financial difficulties, we have granted a concession that we would not otherwise consider for borrowers of similar credit quality. This may include a transfer of real estate or other assets from the borrower, a modification of loan terms, or a combination of the two. Modifications of terms that could potentially qualify as a restructuring include reduction of contractual interest rate, extension of the maturity date at a contractual interest rate lower than the current rate for new debt with similar risk, a reduction of the face amount of debt or forgiveness of either principal or accrued interest. A loan continues to qualify as restructured until a consistent payment history or change in borrower’s financial condition has been evidenced, generally for no less than twelve months. Assuming that the restructuring agreement specifies an interest rate at the time of the restructuring that is greater than or equal to the rate that we are willing to accept for a new extension of credit with comparable risk, then the loan no longer has to be considered a restructuring if it is in compliance with the modified terms in calendar years after the year of the restructure. The accrual of interest on loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining book balance of the asset is deemed to be collectible. If collectability is questionable, then cash payments are applied to principal. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement. Loans held for investment includes legal ownership interests in mortgage loans that we purchase through our mortgage warehouse lending division. The ownership interests are purchased from unaffiliated mortgage originators who are seeking additional funding through sale of the undivided ownership interests to facilitate their ability to originate loans. The mortgage originator has no obligation to offer and we have no obligation to purchase these interests. The originator closes mortgage loans consistent with underwriting standards established by approved investors, and, at the time of the sale to the investor, our ownership interest and that of the originator are delivered by us to the investor selected by the originator and approved by us. We typically purchase up to a 99% ownership interest in each mortgage with the originator owning the remaining percentage. These mortgage ownership interests are generally held by us for a period of less than 30 days and more typically 10-20 days. Because of conditions in agreements with originators designed to reduce transaction risks, under ASC 860, Transfers and Servicing of Financial Assets (“ASC 860”), the ownership interests do not qualify as participating interests. Under ASC 860, the ownership interests are deemed to be loans to the originators and payments we receive from investors are deemed to be payments made by or on behalf of the originator to repay the loan deemed made to the originator. Because we have an actual, legal ownership interest in the underlying residential mortgage loan, these interests are reported as extensions of credit to the originators that are secured by the mortgage loans as collateral. Due to market conditions or events of default by the investor or the originator, we could be required to purchase the remaining interests in the mortgage loans and hold them beyond the expected 10-20 days. Mortgage loans acquired under these conditions would require mark-to-market adjustments to income and could require further allocations of the allowance for loan losses or be subject to charge off in the event the loans become impaired.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is comprised of general reserves and specific reserves for impaired loans, all based on our estimate of losses inherent in the portfolio at the balance sheet date. In order to determine the allowance for loan losses, all loans are assigned a credit grade. Loan commitments graded substandard or worse and greater than $500,000 are specifically reviewed for loss potential. Loans deemed to be impaired, as well as restructured loans and loans formerly reported as restructured, are assigned a specific reserve based on the losses expected to be realized from those loans. For purposes of determining the general reserve, the remainder of the portfolio is segregated by product types to recognize differing risk profiles among portfolio segments, and then further segregated by credit grades. Each credit grade is assigned a risk factor, or reserve allocation percentage. These risk factors are multiplied by the outstanding principal balance of each loan and risk-weighted by product type to calculate a required reserve. A similar process is employed to calculate a reserve assigned to off-balance sheet commitments, specifically unfunded loan commitments and letters of credit, and any needed reserve is recorded in other liabilities. Even though portions of the allowance may be allocated to specific loans, the entire allowance is available for any credit that, in management’s judgment, should be charged off. We have several pass credit grades that are assigned to loans based on varying levels of risk, ranging from credits that are secured by cash or marketable securities, to watch credits which have all the characteristics of an acceptable credit risk but warrant more than the normal level of monitoring. Within our criticized/classified credit grades are special mention, substandard, and doubtful. Special mention loans are those that are currently protected by the sound worth and paying capacity of the borrower, but that are potentially weak and constitute an additional credit risk. These loans have the potential to deteriorate to a substandard grade due to the existence of financial or administrative deficiencies. Substandard loans have a well-defined weakness or weaknesses that jeopardizes the liquidation of the debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Some substandard loans are inappropriately protected by the sound worth and paying capacity of the borrower and of the collateral pledged and may be considered impaired. Substandard loans can be accruing or can be on non-accrual depending on the circumstances of the individual loans. Loans classified as doubtful have all the weaknesses inherent in substandard loans with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable. The possibility of loss is extremely high. All doubtful loans are on non-accrual. The allowance allocation percentages assigned to each credit grade have been developed based primarily on an analysis of our historical loss rates. The level of the allowance reflects management’s continuing evaluation of conditions likely to impact the amount of losses expected to be incurred in the Bank’s loan portfolio. Such conditions include, without limitation, credit quality indicators such as amounts and percentages of loans classified as past due, criticized and non-performing, conditions internal to the Bank such as the skill and experience of lending and credit personnel and effectiveness of credit review processes, the rate of portfolio growth, the extent of hold limits and loan concentrations, such as loans to specific borrowers, loans to groups of affiliated borrowers, loans to borrowers in defined industry groups and loans to borrowers, and collateral, in defined geographic locations. Conditions external to the Bank that may impact incurred losses that are also considered by management in the evaluation of the allowance include the general health of the national economy and regional economies where the Bank operates, international economic conditions, domestic and international political events that may impact the Bank’s loan portfolio, regulatory developments deemed relevant to risk assessment and classification of credits and circumstances that may have negative consequences for industries or specific borrowers where the Bank has exposure. Management’s assessment of the allowance begins with a review of historical credit loss experience as a baseline before consideration of current environmental issues both internal and external to the Bank that might reasonably cause the measure of incurred loss to differ from historical experience. The Bank’s allowance methodology employs a loss migration technique to determine historical loss percentages applicable to all defined credit risk grades. The methodology also calculates historical loss percentages by portfolio segment and computes segment weights as a measure of the relative risk of loans in each segment compared to the entire portfolio. Management may adjust segment weights by applying overlays to specific portfolio segments whereby historical loss experience may not be a measure reflective of incurred losses for the specific portfolio segment. These overlays are quantified by management at the portfolio segment level and added or subtracted from historical loss rates. These processes allow for a continuous review of not only absolute historical loss percentages but also an assessment of credit risk grade migration, positive and negative, and changes in portfolio composition as defined by portfolio segment. Because credit risk grade migration, both positive and negative, can significantly trail triggering events such as change in economic conditions, commodity prices or interest rates, changes in collateral values or changes in regulatory interpretation or applicable laws or standards impacting the Bank's lending activities, management has identified certain measures that are believed to offer guidance as leading, concurrent and trailing indicators respectively of general economic health that in turn are thought to be relevant to the measure of incurred loss in the Bank’s loan portfolio (individually referred to as "Q Factors"). Each individual Q Factor is individually quantified by management and then aggregated into a single qualitative adjustment (referred to as the "Q Factor adjustment"). This Q Factor adjustment is added or subtracted from historical loss rates, as relevant, to compute an appropriate reserve based upon actual portfolio composition as defined by portfolio segment and credit risk grade composition. The single Q Factor adjustment and application of any management overlay to model calculated segment weights reflects management’s determination that the allowance model is calculating an appropriate level of the allowance in the context of all known loan portfolio quality and concentration issues as well as other environmental factors that are reasonably believed to cause the measure of incurred loss, inclusive of unidentified losses inherent in the current portfolio, to differ from historical experience. The methodology used in the periodic review of the appropriateness of the allowance, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality. Changes are reflected in the general allowance and in specific reserves as the collectability of classified loans is evaluated with new information. As our portfolio has matured, historical loss ratios have been closely monitored. Our reserve appropriateness relies primarily on our loss history. The review of the appropriateness of the allowance is performed by executive management and presented to the audit and risk committees of our board of directors for their review. The committees report to the board as part of the board's review on a quarterly basis of the Company's consolidated financial statements.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned (“OREO”), which is included in other assets on the consolidated balance sheet, consists of real estate that has been foreclosed. When foreclosure occurs, the acquired asset is recorded at fair value less selling costs, generally based on appraised value, which may result in partial charge-off of the loan through a charge to the allowance for loan losses, if necessary. Subsequent write-downs required for declines in value are recorded through a valuation allowance, or taken directly to the asset, and are recorded in allowance and other carrying costs for OREO in the consolidated statements of income and other comprehensive income. Gains or losses on sale of OREO are recorded in other non-interest income in the consolidated statements of income and other comprehensive income.
Mortgage Servicing Rights	Mortgage Servicing Rights, Net Mortgage servicing rights ("MSRs") are created by selling mortgage loans with servicing rights retained. We identify classes of servicing rights based upon the nature of the underlying assumptions used to value the asset along with the risks associated with the underlying asset. Based upon these criteria we have one class of MSRs, residential. MSRs are recognized based on the estimated fair value of the mortgage loans and the related servicing rights at the date of sale using values derived from a valuation model. MSRs are reported on the consolidated balance sheets at amortized cost, less a valuation allowance if the fair value of identified strata within the MSR portfolio are determined to have a fair value that is less than amortized cost. MSRs are amortized proportionally over the estimated life of the projected net servicing revenue and are periodically evaluated for impairment. Loan servicing fee income represents income earned for servicing mortgage loans owned by investors and includes mortgage servicing fees and other ancillary servicing income. Servicing fees are recorded as income when earned and are reported in non-interest income on the consolidated statements of income and other comprehensive income. MSR valuation allowance expense and servicing related expenses are recorded in servicing related expenses in the consolidated statements of income and other comprehensive income.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets, Net Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset or liability. Our intangible assets relate primarily to loan customer relationships purchased as part of business acquisitions. Intangible assets with definite useful lives are amortized over their estimated life. Goodwill and intangible assets are tested for impairment at least annually or whenever changes in circumstances indicate the carrying amount of the assets may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.
Premises and Equipment	Premises and Equipment, Net Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. Furniture and equipment is generally depreciated over three to five years , while leasehold improvements are generally depreciated over the term of their respective lease. Gains or losses on disposals of premises and equipment are included in other non-interest income in the consolidated statements of income and other comprehensive income.
Software	Software Costs incurred in connection with development or purchase of internal use software and cloud computing arrangements, including in-substance software licenses, are capitalized. Amortization is computed on a straight-line basis over the estimated useful life of the asset, which generally ranges from one to five years . Capitalized software is included in other assets in the consolidated balance sheets.
Financial Instruments with Off-Balance Sheet Risk	Financial Instruments with Off-Balance Sheet Risk The Company has undertaken certain guarantee obligations in the ordinary course of business which include liabilities with off-balance sheet risk. We consider the following arrangements to be guarantees: commitments to extend credit, standby letters of credit and indemnification agreements included within third party contractual arrangements. The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit that involve varying degrees of credit risk in excess of the amount recognized in the consolidated balance sheets. The Bank’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of these instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the borrower. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. In conjunction with the sale and securitization of loans held for sale and their related servicing rights, we may be exposed to liability resulting from recourse and repurchase agreements. If it is determined subsequent to our sale of a loan or its related servicing rights that a breach of the representations or warranties made in the applicable sale agreement has occurred, which may include guarantees that prepayments will not occur within a specified and customary time frame, we may have an obligation to either (a) repurchase the loan for the unpaid principal balance, accrued interest and related advances, (b) indemnify the purchaser against any loss it suffers or (c) make the purchaser whole for the economic benefits of the loan and its related servicing rights. Our repurchase, indemnification and make-whole obligations vary based upon the terms of the applicable agreements, the nature of the asserted breach and the status of the mortgage loan at the time a claim is made. We establish reserves for estimated losses of this nature inherent in the origination of mortgage loans by estimating the losses inherent in the population of all loans sold based on trends in claims and actual loss severities experienced. The reserve will include accruals for probable contingent losses in addition to those identified in the pipeline of claims received. The estimation process is designed to include amounts based on actual losses experienced from actual activity.
Lessor, Leases [Policy Text Block]	Leases ASU 2016-02 "Leases (Topic 842)" ("ASU 2016-02") requires that lessees and lessors recognize lease assets and lease liabilities on the balance sheet and disclose key information about leasing arrangements. ASU 2016-02 became effective for us on January 1, 2019. ASU 2016-02 provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at the beginning of either the earliest period presented or as of the beginning of the period of adoption with the option to elect certain practical expedients. We elected to apply ASU 2016-02 as of the beginning of the period of adoption (January 1, 2019) and have not restated comparative periods. Of the optional practical expedients available under ASU 2016-02, we adopted all expedients except for the hindsight practical expedient. As a result of implementing ASU 2016-02, we recognized an operating lease right-of-use ("ROU") asset of $64 million and an operating lease liability of $74 million on January 1, 2019, with no impact on our consolidated statements of income or consolidated statements of cash flows compared to the prior lease accounting model. Operating lease ROU assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate at the lease commencement date, which is based on our collateralized borrowing capabilities over a similar term as the related lease payments. ROU assets are further adjusted for lease incentives. Our operating leases relate primarily to office space and bank branches. Operating leases in which we are the lessee are recorded as operating lease ROU assets and operating lease liabilities, included in other assets and other liabilities, respectively, on our consolidated balance sheets. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in net occupancy expense in the consolidated statements of income and other comprehensive income. See Note 7 – Leases for additional information.
Revenue Recognition	Revenue Recognition ASC 606, Revenue from Contracts with Customers ("ASC 606"), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit, derivatives and investment securities, as well as revenue related to our mortgage servicing activities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. Descriptions of our revenue-generating activities that are within the scope of ASC 606, which are presented in our income statements as components of non-interest income are as follows: • Service charges on deposit accounts - these represent general service fees for monthly account maintenance and activity- or transaction-based fees and consist of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when our performance obligation is completed, which is generally monthly for account maintenance services or when a transaction has been completed (such as a wire transfer). Payments for such performance obligations are generally received at the time the performance obligations are satisfied. • Wealth management and trust fee income - this represents monthly fees due from wealth management customers as consideration for managing the customers' assets. Wealth management and trust services include custody of assets, investment management, escrow services, fees for trust services and similar fiduciary activities. Revenue is recognized when our performance obligation is completed each month, which is generally the time that payment is received. Also included are fees received from a third party broker-dealer as part of a revenue-sharing agreement for fees earned from customers that we refer to the third party. These fees are paid to us by the third party on a quarterly basis and recognized ratably throughout the quarter as our performance obligation is satisfied. • Brokered loan fees - these represent fees for the administration and funding of purchased mortgage loan interests as well as facility renewal and application fees received from mortgage originator customers in our mortgage warehouse lending business. Also included are fees received from independent correspondent mortgage lenders as consideration for our purchase of individual residential mortgage loans through our MCA business. Revenue related to the mortgage warehouse lending business is recognized when the related loan interest is disposed (i.e., through sale or payoff) or upon receipt of the facility renewal or application. Revenue related to our MCA business is recognized at the time a loan is purchased. • Other non-interest income primarily includes items such as letter of credit fees, bank owned life insurance income, dividends on FHLB and FRB stock and other general operating income, none of which are subject to the requirements of ASC 606.
Stock-based Compensation	Stock-based Compensation We account for all stock-based compensation transactions in accordance with ASC 718, Compensation — Stock Compensation (“ASC 718”), which requires that stock compensation transactions be recognized as compensation expense in the consolidated statements of income and other comprehensive income based on their fair values on the measurement date, which is the date of the grant.
Income Taxes	Income Taxes The Company and its subsidiary file a consolidated federal income tax return. We utilize the liability method in accounting for income taxes. Under this method, deferred tax assets and liabilities are determined based upon the difference between the values of the assets and liabilities as reflected in the financial statements and their related tax basis using enacted tax rates in effect for the year in which the differences are expected to be recovered or settled. As changes in tax law or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. A valuation allowance is provided against deferred tax assets unless it is more likely than not that such deferred tax assets will be realized.
Fair Values of Financial Instruments	Fair Values of Financial Instruments ASC 820, Fair Value Measurements and Disclosures (“ASC 820”), defines fair value, establishes a framework for measuring fair value under GAAP and enhances disclosures about fair value measurements. In general, fair values of financial instruments are based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.
Derivative Financial Instruments	Derivative Financial Instruments All contracts that satisfy the definition of a derivative are recorded at fair value in other assets and other liabilities in the consolidated balance sheets. We record the derivatives on a net basis when a right of offset exists with a single counterparty that is subject to a legally enforceable master netting agreement. We enter into interest rate derivative contracts that are not designated as hedging instruments. These derivative positions relate to transactions in which we enter into an interest rate swap, cap and/or floor with a customer while at the same time entering into an offsetting interest rate swap, cap and/or floor with another financial institution. In connection with each swap transaction, we agree to pay interest to the customer on a notional amount at a variable interest rate and receive interest from the customer on a similar notional amount at a fixed interest rate. At the same time, we agree to pay another financial institution the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. The transaction allows our customer to effectively convert a variable rate loan to a fixed rate. Because we act as an intermediary for our customer, changes in the fair value of the underlying derivative contracts substantially offset each other and do not have a material impact on our results of operations. We also enter into foreign currency forward contracts that are not designed as hedging instruments. These derivative instruments relate to transactions in which we enter into a contract with a customer to buy or sell a foreign currency at a future date for a specified price while at the same time entering into an offsetting contract with a financial institution to buy or sell the same currency at the same future date for a specified price. These transactions allow our customers to manage their exposure to foreign currency exchange rate fluctuations. Because we act as an intermediary for our customer, changes in the fair value of the underlying derivative instruments substantially offset each other and do not have a material impact on our results of operations. We also enter into loan purchase commitment contracts with mortgage originators to purchase residential mortgage loans at a future date, as well as forward sales commitment contracts to sell residential mortgage loans at a future date, as part of our MCA program. The objective of these transactions is to mitigate our exposure to interest rate risk associated with the purchase of mortgage loans held for sale. Any changes in fair value are recorded in other non-interest expense in the consolidated statements of income and other comprehensive income.
Segment Reporting	Segment Reporting We have determined that all of our lending divisions and subsidiaries meet the aggregation criteria of ASC 280, Segment Reporting , since all offer similar products and services, operate with similar processes, have similar customers and are collectively reviewed by the chief operating decision maker.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Securities, Available-for-sale [Abstract]
Summary of securities	The following is a summary of available-for-sale debt securities: (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2019 Available-for-sale debt securities: Residential mortgage-backed securities $ 4,991 $ 275 $ — $ 5,266 Tax-exempt asset-backed securities 183,225 13,802 — 197,027 Credit risk transfer securities 14,713 — (2,749 ) 11,964 $ 202,929 $ 14,077 $ (2,749 ) $ 214,257 December 31, 2018 Available-for-sale debt securities: Residential mortgage-backed securities $ 6,874 $ 368 $ — $ 7,242 Tax-exempt asset-backed securities 95,518 286 — 95,804 $ 102,392 $ 654 $ — $ 103,046
Schedule of amortized cost and estimated fair value of securities	The amortized cost and estimated fair value of available-for-sale debt securities are presented below by contractual maturity: (in thousands, except percentage data) Less Than One Year After One Through Five Years After Five Through Ten Years After Ten Years Total December 31, 2019 Available-for-sale: Residential mortgage-backed securities:(1) Amortized cost $ — $ 1,005 $ — $ 3,986 $ 4,991 Estimated fair value — 1,088 — 4,178 5,266 Weighted average yield(3) — % 5.54 % — % 4.31 % 4.55 % Tax-exempt asset-backed securities:(1) Amortized Cost — — — 183,225 183,225 Estimated fair value — — — 197,027 197,027 Weighted average yield(2)(3) — % — % — % 4.20 % 4.20 % CRT securities:(1) Amortized Cost — — — 14,713 14,713 Estimated fair value — — — 11,964 11,964 Weighted average yield(3) — % — % — % 1.71 % 1.71 % Total available-for-sale debt securities: Amortized cost $ 202,929 Estimated fair value $ 214,257 December 31, 2018 Available-for-sale: Residential mortgage-backed securities:(1) Amortized cost $ 3 $ 1,573 $ — $ 5,298 $ 6,874 Estimated fair value 4 1,668 — 5,570 7,242 Weighted average yield(3) 6.50 % 5.54 % — % 4.53 % 4.76 % Tax-exempt asset-backed securities:(1) Amortized Cost — — — 95,518 95,518 Estimated fair value — — — 95,804 95,804 Weighted average yield(2)(3) — % — % — % 4.25 % 4.25 % Total available-for-sale debt securities: Amortized cost $ 102,392 Estimated fair value $ 103,046 (1) Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. (2) Yields have been adjusted to a tax equivalent basis assuming a 21% federal tax rate. (3) Yields are calculated based on amortized cost.
Summary of available-for-sale debt securities in continuous loss position	The following table discloses our available-for-sale debt securities that have been in a continuous unrealized loss position for less than 12 months and those that have been in a continuous unrealized loss position for 12 or more months: December 31, 2019 Less Than 12 Months 12 Months or Longer Total (in thousands) Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss CRT securities $ 11,964 $ (2,749 ) $ — $ — $ 11,964 $ (2,749 )
Summary of unrealized and realized gains/(losses) recognized in net income on equity securities	The following is a summary of unrealized and realized gains/(losses) recognized on equity securities and included in other non-interest income in the consolidated statements of income: Year Ended December 31, (in thousands) 2019 2018 Net gains/(losses) recognized during the period $ 2,383 $ (975 ) Less: Realized net gains/(losses) recognized during the period on equity securities sold 119 460 Unrealized net gains/(losses) recognized during the period on equity securities still held $ 2,264 $ (1,435 )

Loans Held for Investment and_2

Loans Held for Investment and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Schedule of loans held for investments	Loans held for investment are summarized by portfolio segment as follows: December 31, (in thousands) 2019 2018 Commercial $ 10,230,828 $ 10,373,288 Mortgage finance(1) 8,169,849 5,877,524 Construction 2,563,339 2,120,966 Real estate 3,444,701 3,929,117 Consumer 71,463 63,438 Equipment leases 256,462 312,191 Gross loans held for investment 24,736,642 22,676,524 Deferred income (net of direct origination costs) (90,380 ) (108,450 ) Allowance for loan losses (195,047 ) (191,522 ) Total loans held for investment, net $ 24,451,215 $ 22,376,552
Schedule of the credit risk profile of loan portfolio by internally assigned grades and nonaccrual status	The following tables summarize the credit risk profile of our loans held for investment by internally assigned grades and non-accrual status: (in thousands) Commercial Mortgage Finance Construction Real Estate Consumer Equipment Leases Total December 31, 2019 Grade: Pass $ 9,751,645 $ 8,169,849 $ 2,540,059 $ 3,364,554 $ 71,289 $ 255,171 $ 24,152,567 Special mention 198,269 — 6,590 52,919 140 1,062 258,980 Substandard-accruing 67,454 — 16,690 15,528 — 39 99,711 Non-accrual 213,460 — — 11,700 34 190 225,384 Total loans held for investment $ 10,230,828 $ 8,169,849 $ 2,563,339 $ 3,444,701 $ 71,463 $ 256,462 $ 24,736,642 December 31, 2018 Grade: Pass $ 10,034,597 $ 5,877,524 $ 2,099,955 $ 3,850,811 $ 61,815 $ 309,775 $ 22,234,477 Special mention 120,531 — 21,011 47,644 — 2,223 191,409 Substandard-accruing 140,297 — — 28,205 1,568 193 170,263 Non-accrual 77,863 — — 2,457 55 — 80,375 Total loans held for investment $ 10,373,288 $ 5,877,524 $ 2,120,966 $ 3,929,117 $ 63,438 $ 312,191 $ 22,676,524
Schedule of activity in the reserve for loan losses by portfolio segment	Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. (in thousands) Commercial Mortgage Finance Construction Real Estate Consumer Equipment Leases Additional Qualitative Reserve Total Year ended December 31, 2019 Allowance for loan losses: Beginning balance $ 129,442 $ — $ 19,242 $ 33,353 $ 425 $ 1,829 $ 7,231 $ 191,522 Provision for loan losses 106,345 2,265 (4,469 ) (17,189 ) (441 ) (1,486 ) (7,231 ) 77,794 Charge-offs 76,958 — — 662 — 19 — 77,639 Recoveries 3,290 — — — 69 11 — 3,370 Net charge-offs (recoveries) 73,668 — — 662 (69 ) 8 — 74,269 Ending balance $ 162,119 $ 2,265 $ 14,773 $ 15,502 $ 53 $ 335 $ — $ 195,047 Period end allowance for loan losses allocated to: Loans individually evaluated for impairment $ 59,832 $ — $ — $ 549 $ 7 $ 36 $ — $ 60,424 Loans collectively evaluated for impairment 102,287 2,265 14,773 14,953 46 299 — 134,623 Total $ 162,119 $ 2,265 $ 14,773 $ 15,502 $ 53 $ 335 $ — $ 195,047 Period end loans allocated to: Loans individually evaluated for impairment $ 213,460 $ — $ — $ 11,700 $ 34 $ 190 $ — $ 225,384 Loans collectively evaluated for impairment 10,017,368 8,169,849 2,563,339 3,433,001 71,429 256,272 — 24,511,258 Total $ 10,230,828 $ 8,169,849 $ 2,563,339 $ 3,444,701 $ 71,463 $ 256,462 $ — $ 24,736,642 Year ended December 31, 2018 Allowance for loan losses: Beginning balance $ 118,806 $ — $ 19,273 $ 34,287 $ 357 $ 3,542 $ 8,390 $ 184,655 Provision for loan losses 87,860 — (31 ) (1,003 ) 397 (1,427 ) (1,159 ) 84,637 Charge-offs 79,692 — — — 767 319 — 80,778 Recoveries 2,468 — — 69 438 33 — 3,008 Net charge-offs (recoveries) 77,224 — — (69 ) 329 286 — 77,770 Ending balance $ 129,442 $ — $ 19,242 $ 33,353 $ 425 $ 1,829 $ 7,231 $ 191,522 Period end allowance for loan losses allocated to: Loans individually evaluated for impairment $ 8,252 $ — $ — $ 48 $ 10 $ — $ — $ 8,310 Loans collectively evaluated for impairment 121,190 — 19,242 33,305 415 1,829 7,231 183,212 Total $ 129,442 $ — $ 19,242 $ 33,353 $ 425 $ 1,829 $ 7,231 $ 191,522 Period end loans allocated to: Loans individually evaluated for impairment $ 78,428 $ — $ — $ 8,857 $ 55 $ — $ — $ 87,340 Loans collectively evaluated for impairment 10,294,860 5,877,524 2,120,966 3,920,260 63,383 312,191 — 22,589,184 Total $ 10,373,288 $ 5,877,524 $ 2,120,966 $ 3,929,117 $ 63,438 $ 312,191 $ — $ 22,676,524
Schedule of impaired loans, by portfolio class	The following tables detail our impaired loans held for investment by portfolio segment. In accordance with ASC 310, Receivables , we have also included all restructured and formerly restructured loans in our impaired loan totals. (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized December 31, 2019 With no related allowance recorded: Commercial Business loans $ 35,932 $ 51,172 $ — $ 20,074 $ — Energy loans 57,722 58,519 — 15,692 — Real estate Market risk 8,500 8,806 — 4,980 — Commercial 881 881 — 5,100 — Secured by 1-4 family 1,218 1,218 — 1,226 — Consumer — — — — — Equipment leases — — — — — Total impaired loans with no allowance recorded $ 104,253 $ 120,596 $ — $ 47,072 $ — With an allowance recorded: Commercial Business loans $ 52,479 $ 55,422 $ 29,467 $ 27,288 $ — Energy loans 67,327 87,067 30,365 51,232 — Real estate Market risk 870 870 499 2,257 — Commercial — — — — — Secured by 1-4 family 231 231 50 621 — Consumer 34 34 7 63 — Equipment leases 190 190 36 16 — Total impaired loans with an allowance recorded $ 121,131 $ 143,814 $ 60,424 $ 81,477 $ — Combined: Commercial Business loans $ 88,411 $ 106,594 $ 29,467 $ 47,362 $ — Energy loans 125,049 145,586 30,365 66,924 — Real estate Market risk 9,370 9,676 499 7,237 — Commercial 881 881 — 5,100 — Secured by 1-4 family 1,449 1,449 50 1,847 — Consumer 34 34 7 63 — Equipment leases 190 190 36 16 — Total impaired loans $ 225,384 $ 264,410 $ 60,424 $ 128,549 $ — (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized December 31, 2018 With no related allowance recorded: Commercial Business loans $ 23,367 $ 55,008 $ — $ 16,426 $ 133 Energy loans 12,188 13,363 — 17,135 — Real estate Market risk — — — — — Commercial 7,388 7,388 — 3,215 — Secured by 1-4 family 1,233 1,233 — 734 — Consumer — — — — — Equipment leases — — — — — Total impaired loans with no allowance recorded $ 44,176 $ 76,992 $ — $ 37,510 $ 133 With an allowance recorded: Commercial Business loans $ 17,529 $ 17,564 $ 4,679 $ 41,307 $ — Energy loans 25,344 28,105 3,573 25,672 — Real estate Market risk — — — 49 — Commercial — — — 83 — Secured by 1-4 family 236 236 48 188 — Consumer 55 55 10 54 — Equipment leases — — — 275 — Total impaired loans with an allowance recorded $ 43,164 $ 45,960 $ 8,310 $ 67,628 $ — Combined: Commercial Business loans $ 40,896 $ 72,572 $ 4,679 $ 57,733 $ 133 Energy loans 37,532 41,468 3,573 42,807 — Real estate Market risk — — — 49 — Commercial 7,388 7,388 — 3,298 — Secured by 1-4 family 1,469 1,469 48 922 — Consumer 55 55 10 54 — Equipment leases — — — 275 — Total impaired loans $ 87,340 $ 122,952 $ 8,310 $ 105,138 $ 133
Schedule of an age analysis of accruing past due loans	The table below provides an age analysis of our loans held for investment: (in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due(1) Total Past Due Non-accrual Current Total December 31, 2019 Commercial Business loans $ 8,746 $ 9,299 $ 17,285 $ 35,330 $ 88,411 $ 8,681,989 $ 8,805,730 Energy — — — — 125,049 1,300,049 1,425,098 Mortgage finance loans — — — — — 8,169,849 8,169,849 Construction Market risk — — — — — 2,457,986 2,457,986 Commercial — — — — — 93,764 93,764 Secured by 1-4 family — — — — — 11,589 11,589 Real estate Market risk 10,786 — — 10,786 9,370 2,238,384 2,258,540 Commercial — 495 193 688 881 810,149 811,718 Secured by 1-4 family 104 179 106 389 1,449 372,605 374,443 Consumer — 212 — 212 34 71,217 71,463 Equipment leases 304 — — 304 190 255,968 256,462 Total loans held for investment $ 19,940 $ 10,185 $ 17,584 $ 47,709 $ 225,384 $ 24,463,549 $ 24,736,642 (1) Loans past due 90 days and still accruing includes premium finance loans of $8.5 million . These loans are generally secured by obligations of insurance carriers to refund premiums on canceled insurance policies. The receipt of the refund of premiums from the insurance carriers can take 180 days or longer from the cancellation date.
Schedule of loans that have been restructured	The following table details the recorded investment at December 31, 2019 and 2018 of loans that have been restructured during the years ended December 31, 2019 and 2018 by type of modification: Extended Maturity Adjusted Payment Schedule Total (in thousands, except number of contracts) Number of Contracts Balance at Period End Number of Contracts Balance at Period End Number of Contracts Balance at Period End Year Ended December 31, 2019 Commercial Business loans 1 $ 1,753 3 $ 21,193 4 $ 22,946 Energy loans 1 3,935 — — 1 3,935 Total 2 $ 5,688 3 $ 21,193 $ 5 $ 26,881 Year Ended December 31, 2018 Commercial Business loans — $ — 2 $ 2,411 $ 2 $ 2,411 Energy loans — — 5 10,047 5 10,047 Total — $ — 7 $ 12,458 $ 7 $ 12,458

OREO and Valuation Allowance _2

OREO and Valuation Allowance for Losses on OREO (Tables)	12 Months Ended
	Dec. 31, 2019
Real Estate Owned, Disclosure of Detailed Components [Abstract]
Summary of the activity related to OREO	The table below presents a summary of the activity related to OREO: Year ended December 31, (in thousands) 2019 2018 2017 Beginning balance $ 79 $ 11,742 $ 18,961 Additions — — — Sales (79 ) (11,663 ) (1,108 ) Valuation allowance for OREO — — — Direct write-downs — — (6,111 ) Ending balance $ — $ 79 $ 11,742 During 2017, we recorded a $6.1 million write-down on one asset. In 2018, we sold this asset and recorded a $2.0 million gain on sale. The gain on sale was recorded in other non-interest income.

Certain Transfers of Financia_2

Certain Transfers of Financial Assets (Tables)	12 Months Ended
	Dec. 31, 2019
Transfers and Servicing [Abstract]
Schedule of Loans Held-for-sale [Table Text Block]	The table below presents a reconciliation of the changes in loans held for sale: Year Ended December 31, (in thousands) 2019 2018 Outstanding balance(1): Beginning balance $ 1,949,785 $ 1,012,580 Loans purchased and originated 10,183,057 6,753,709 Payments and loans sold (9,564,480 ) (5,816,504 ) Ending balance 2,568,362 1,949,785 Fair value adjustment: Beginning balance 19,689 (1,576 ) Increase/(decrease) to fair value (10,917 ) 21,265 Ending balance 8,772 19,689 Loans held for sale at fair value $ 2,577,134 $ 1,969,474 (1) Includes $5.8 million and $299,000 of loans held for sale that are carried at lower of cost or market as of December 31, 2019 and 2018
Schedule of Mortgage Servicing Rights Activity [Table Text Block]	retain the right to service the loans sold through our MCA program, creating MSRs which are recorded as assets on our balance sheet. A summary of MSR activity is as follows: Year Ended December 31, (in thousands) 2019 2018 MSRs: Balance, beginning of year $ 42,474 $ 88,150 Capitalized servicing rights 39,774 39,149 Amortization (11,541 ) (9,278 ) Sales — (75,547 ) Balance, end of period $ 70,707 $ 42,474 Valuation allowance: Balance, beginning of year $ — $ 2,823 Increase (decrease) in valuation allowance 5,803 (2,823 ) Balance, end of period $ 5,803 $ — MSRs, net $ 64,904 $ 42,474 MSRs, fair value $ 64,904 $ 44,502
Schedule of Fair Value Assumption Used to Value Mortgage Servicing Rights Retained [Table Text Block]	The following summarizes the assumptions used by management to determine the fair value of MSRs: December 31, 2019 2018 Average discount rates 9.06 % 9.55 % Expected prepayment speeds 13.11 % 9.77 % Weighted-average life, in years 5.8 7.0
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table Text Block]	A sensitivity analysis of changes in the fair value of our MSR portfolio resulting from certain key assumptions is presented in the following table: December 31, (in thousands) 2019 2018 50 bp adverse change in prepayment speed $ (10,768 ) $ (6,028 ) 100 bp adverse change in prepayment speed (17,965 ) (11,629 )

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Summary of lease cost and other information, operating leases	The table below summarizes our net lease cost: (in thousands) Year Ended Operating lease cost $ 14,844 Short-term lease cost 19 Variable lease cost 3,918 Sublease income (126 ) Net lease cost $ 18,656 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 14,711 Non-cash changes in ROU assets $ 98,369 Non-cash changes in lease liabilities(1) $ 108,189 (1) Includes $87.9 million in lease liabilities from new ROU assets obtained during the year ended December 31, 2019 . The table below summarizes other information related to our operating leases: December 31, 2019 Weighted-average remaining lease term - operating leases, in years 7.2 Weighted-average discount rate - operating leases 2.75 %
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining lease liabilities: (in thousands) December 31, 2019 2020 $ 16,586 2021 17,136 2022 16,338 2023 16,377 2024 11,619 2025 and thereafter 28,018 Total lease payments 106,074 Less: Interest (10,187 ) Present value of lease liabilities $ 95,887

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill and other intangible assets	Goodwill and other intangible assets are summarized as follows: (in thousands) Gross Goodwill and Intangible Assets Accumulated Amortization Net Goodwill and Intangible Assets December 31, 2019 Goodwill $ 15,468 $ (374 ) $ 15,094 Intangible assets—customer relationships and trademarks 9,006 (6,001 ) 3,005 Total goodwill and intangible assets $ 24,474 $ (6,375 ) $ 18,099 December 31, 2018 Goodwill $ 15,468 $ (374 ) $ 15,094 Intangible assets—customer relationships and trademarks 9,006 (5,530 ) 3,476 Total goodwill and intangible assets $ 24,474 $ (5,904 ) $ 18,570
Schedule of estimated aggregate future amortization expense for intangible assets	The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2019 is as follows: (in thousands) 2020 $ 432 2021 405 2022 405 2023 382 2024 268 Thereafter 1,113 Total $ 3,005

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Summary of premises and equipment	Premises and equipment are summarized as follows: December 31, (in thousands) 2019 2018 Premises $ 30,181 $ 27,999 Furniture and equipment 42,176 35,130 Total cost 72,357 63,129 Accumulated depreciation (41,145 ) (39,327 ) Total premises and equipment, net $ 31,212 $ 23,802

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Schedule of deposits	Deposits are summarized as follows: December 31, (in thousands) 2019 2018 Non-interest-bearing demand deposits $ 9,438,459 $ 7,317,161 Interest-bearing deposits Transaction 3,651,128 3,051,535 Savings 10,517,975 8,222,893 Time 2,871,031 2,014,524 Total interest-bearing deposits 17,040,134 13,288,952 Total deposits $ 26,478,593 $ 20,606,113
Schedule of maturities of interest-bearing time deposits	The scheduled maturities of interest-bearing time deposits were as follows at December 31, 2019 : (in thousands) 2020 $ 2,810,219 2021 49,275 2022 6,648 2023 271 2024 1,763 2025 and after 2,855 Total $ 2,871,031

Short-Term and Other Borrowin_2

Short-Term and Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Summary of borrowings	The following table summarizes our short-term and other borrowings: (dollar amounts in thousands) Federal Funds Purchased Customer Repurchase Agreements FHLB Borrowings December 31, 2019 Amount outstanding at year-end $ 132,270 $ 9,496 $ 2,400,000 Interest rate at year-end 1.66 % 0.61 % 1.68 % Average balance outstanding during the year $ 502,604 $ 11,655 $ 2,523,836 Weighted-average interest rate during the year 2.36 % 0.51 % 2.31 % Maximum month-end outstanding during the year $ 905,473 $ 14,208 $ 5,000,000 December 31, 2018 Amount outstanding at year-end $ 629,169 $ 12,005 $ 3,900,000 Interest rate at year-end 2.54 % 0.09 % 2.56 % Average balance outstanding during the year $ 323,140 $ 9,812 $ 1,769,452 Weighted-average interest rate during the year 2.02 % 0.09 % 2.05 % Maximum month-end outstanding during the year $ 629,169 $ 13,835 $ 4,000,000 December 31, 2017 Amount outstanding at year-end $ 359,338 $ 5,702 $ 2,800,000 Interest rate at year-end 1.45 % 0.03 % 1.35 % Average balance outstanding during the year $ 215,895 $ 6,590 $ 1,395,753 Weighted-average interest rate during the year 1.20 % 0.04 % 1.08 % Maximum month-end outstanding during the year $ 544,203 $ 8,727 $ 2,800,000
Summary of other borrowing capacities	The following table summarizes our other borrowing capacities net of balances outstanding. As of December 31, 2019 , all are scheduled to mature within one year. December 31, (in thousands) 2019 2018 2017 FHLB borrowing capacity relating to loans $ 8,964,019 $ 4,568,842 $ 3,890,995 FHLB borrowing capacity relating to securities 589 721 2,071 Total FHLB borrowing capacity(1) $ 8,964,608 $ 4,569,563 $ 3,893,066 Unused federal funds lines available from commercial banks $ 1,432,000 $ 620,000 $ 885,000 Unused Federal Reserve borrowings capacity $ 3,637,238 $ 4,933,965 $ 4,114,594 Unused revolving line of credit(2) $ 130,000 $ 130,000 $ 130,000 (1) FHLB borrowings are collateralized by a blanket floating lien on certain real estate secured loans, mortgage finance assets and also certain pledged securities. (2) Unsecured revolving, non-amortizing line of credit with maturity date of December 15, 2020. Proceeds may be used for general corporate purposes, including funding regulatory capital infusions into the Bank. The loan agreement contains customary financial covenants and restrictions. No borrowings were made against this line of credit during 2019, 2018, or 2017.

Long-Term Debt (Tables)

Long-Term Debt (Tables)	12 Months Ended
	Dec. 31, 2019
Subordinated Borrowings [Abstract]
Schedule of details of the trust preferred subordinated debentures	As of December 31, 2019 , the details of the trust preferred subordinated debentures are summarized below: (dollar amounts in thousands) Texas Capital Texas Capital Texas Capital Texas Capital Texas Capital Date issued November 19, 2002 April 10, 2003 October 6, 2005 April 28, 2006 September 29, 2006 Trust preferred securities issued $10,310 $10,310 $25,774 $25,774 $41,238 Floating or fixed rate securities Floating Floating Floating Floating Floating Interest rate on subordinated debentures 3 month LIBOR 3 month LIBOR 3 month LIBOR 3 month LIBOR 3 month LIBOR Maturity date November 2032 April 2033 December 2035 June 2036 December 2036

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Schedule of income tax expense/(benefit)	Year ended December 31, (in thousands) 2019 2018 2017 Current: Federal $ 69,427 $ 82,556 $ 94,112 State 4,072 3,808 3,257 Total 73,499 86,364 97,369 Deferred: Federal 10,796 (6,400 ) 31,276 State — — — Total 10,796 (6,400 ) 31,276 Total expense: Federal 80,223 76,156 125,388 State 4,072 3,808 3,257 Total $ 84,295 $ 79,964 $ 128,645
Schedule of deferred tax assets and liabilities	December 31, (in thousands) 2019 2018 Deferred tax assets: Allowance for credit losses $ 44,383 $ 44,224 Operating lease liabilities 20,894 — Loan origination fees 10,638 11,328 Stock compensation 3,605 3,363 Non-accrual interest 2,351 1,724 Non-qualified deferred compensation 4,027 2,211 Other 2,544 2,517 Total deferred tax assets 88,442 65,367 Deferred tax liabilities: Loan origination costs (2,686 ) (2,049 ) Leases (7,912 ) (9,000 ) Operating lease ROU assets (19,644 ) — MSRs (13,818 ) (9,184 ) Depreciation (17,602 ) (8,233 ) Unrealized gain on securities (2,379 ) (138 ) Other (3,337 ) (2,662 ) Total deferred tax liabilities (67,378 ) (31,266 ) Net deferred tax asset $ 21,064 $ 34,101
Reconciliation of income attributable to continuing operations	The reconciliation of our effective income tax rate to the U.S. federal statutory tax rate is as follows: Year ended December 31, 2019 2018 2017 U.S. statutory rate 21 % 21 % 35 % State taxes 1 % 1 % 1 % Non-deductible expenses 1 % 1 % 1 % Deferred tax asset remeasurement write-off — % — % 5 % Non-taxable income (1 )% (1 )% (1 )% Other (1 )% (1 )% (1 )% Effective tax rate 21 % 21 % 40 %

Stock-Based Compensation and _2

Stock-Based Compensation and Employee Benefits (Tables)	12 Months Ended
	Dec. 31, 2019
Compensation Related Costs [Abstract]
Schedule of stock appreciation rights activity	A summary of our SAR activity and related information is as follows. Grants of SARs include time-based vesting conditions that generally vest ratably over a period of five years. December 31, 2019 December 31, 2018 December 31, 2017 SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price SARs outstanding at beginning of year 41,350 $ 29.13 74,363 $ 30.12 125,863 $ 31.68 SARs exercised (20,150 ) 24.07 (33,013 ) 31.35 (51,500 ) 33.94 SARs outstanding at year-end 21,200 $ 33.95 41,350 $ 29.13 74,363 $ 30.12 SARs vested and exercisable at year-end 21,200 $ 33.95 39,750 $ 27.81 60,463 $ 26.02 Weighted average remaining contractual life of SARs vested (in years) 2.14 2.33 2.82 Weighted average remaining contractual life of SARs outstanding (in years) 2.14 2.44 3.35 Compensation expense $ 6,000 $ 121,000 $ 265,000 Unrecognized compensation expense $ — $ 6,000 $ 127,000 Weighted average period over which unrecognized compensation expense is expected to be recognized (in years) 0.00 0.17 0.75 Fair value of shares vested during the year $ 37,000 $ 211,000 $ 294,000 Intrinsic value of SARs exercised $ 724,000 $ 1,919,000 $ 3,802,000
Summary of status and changes in nonvested restricted stock units	ummary of our RSU activity and related information is as follows. Grants of RSUs include time-based vesting conditions that generally vest ratably over a period of three to five years. Additionally, from time to time, grants of RSUs with both time-based and performance-based vesting conditions are made that generally vest at the end of a three or four year period. December 31, 2019 December 31, 2018 December 31, 2017 RSUs Weighted Average Grant Date Fair Value RSUs Weighted RSUs Weighted RSUs outstanding at beginning of year 349,533 $ 69.11 423,732 $ 60.01 425,055 $ 51.28 RSUs granted 386,913 59.28 95,891 88.07 121,243 80.40 RSUs vested (140,666 ) 59.97 (121,507 ) 54.97 (102,057 ) 48.93 RSUs forfeited (37,468 ) 62.73 (48,583 ) 63.60 (20,509 ) 54.75 RSUs outstanding at year-end 558,312 $ 64.95 349,533 $ 69.11 423,732 $ 60.01 Compensation expense $ 11,733,000 $ 8,803,000 $ 7,790,000 Unrecognized compensation expense $ 25,305,000 $ 16,538,000 $ 18,730,000 Weighted average period over which unrecognized compensation expense is expected to be recognized (in years) 3.09 2.90 3.15

Financial Instruments with Of_2

Financial Instruments with Off-Balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2019
Risks and Uncertainties [Abstract]
Schedule of financial instruments with off-balance sheet risk	The table below presents our financial instruments with off-balance sheet risk, as well as the activity in the allowance for off-balance sheet credit losses related to those financial instruments. This allowance is recorded in other liabilities on the consolidated balance sheet. Year Ended December 31, (in thousands) 2019 2018 Beginning balance of allowance for off-balance sheet credit losses $ 11,434 $ 9,071 Provision for off-balance sheet credit losses (2,794 ) 2,363 Ending balance of allowance for off-balance sheet credit losses $ 8,640 $ 11,434 Commitments to extend credit - period end balance $ 8,066,655 $ 8,030,198 Standby letters of credit - period end balance $ 261,405 $ 236,537

Regulatory Restrictions (Tables

Regulatory Restrictions (Tables)	12 Months Ended
	Dec. 31, 2019
Regulatory Capital Requirements [Abstract]
Schedule of compliance with Regulatory Capital Requirements	The table below summarizes our actual and required capital ratios under the Basel III Capital Rules: Actual Minimum Capital Required - Basel III Phase-In Schedule Minimum capital Required - Basel III Fully Phased-In Required to be Considered Well Capitalized (dollars in thousands) Capital Amount Ratio Capital Amount Ratio Capital Amount Ratio Capital Amount Ratio December 31, 2019 CET1 Company $ 2,653,999 8.88 % $ 1,344,825 4.50 % $ 2,091,591 7.00 % N/A N/A Bank 2,676,513 8.96 % 1,344,131 4.50 % 2,090,870 7.00 % 1,941,522 6.50 % Total capital (to risk-weighted assets) Company 3,398,345 11.37 % 2,390,801 8.00 % 3,137,926 10.50 % N/A N/A Bank 3,262,144 10.92 % 2,389,565 8.00 % 3,136,305 10.50 % 2,986,957 10.00 % Tier 1 capital (to risk-weighted assets) Company 2,912,529 9.75 % 1,793,101 6.00 % 2,540,226 8.50 % N/A N/A Bank 2,835,043 9.49 % 1,792,174 6.00 % 2,538,913 8.50 % 2,389,565 8.00 % Tier 1 capital (to average assets)(1) Company 2,912,529 8.42 % 1,383,640 4.00 % 1,383,640 4.00 % N/A N/A Bank 2,835,043 8.20 % 1,383,190 4.00 % 1,383,190 4.00 % 1,728,988 5.00 % December 31, 2018 CET1 Company $ 2,330,599 8.58 % $ 1,732,501 6.38 % $ 1,902,354 7.00 % N/A N/A Bank 2,340,988 8.62 % 1,731,955 6.38 % 1,901,755 7.00 % 1,765,915 6.50 % Total capital (to risk-weighted assets) Company 3,074,097 11.31 % 2,683,679 9.88 % 2,853,532 10.50 % N/A N/A Bank 2,925,872 10.77 % 2,682,833 9.88 % 2,852,632 10.50 % 2,716,793 10.00 % Tier 1 capital (to risk-weighted assets) Company 2,589,374 9.53 % 2,140,149 7.88 % 2,310,002 8.50 % N/A N/A Bank 2,499,763 9.20 % 2,139,474 7.88 % 2,309,274 8.50 % 2,173,434 8.00 % Tier 1 capital (to average assets)(1) Company 2,589,374 9.87 % 1,049,694 4.00 % 1,049,694 4.00 % N/A N/A Bank 2,499,763 9.53 % 1,049,296 4.00 % 1,049,296 4.00 % 1,311,620 5.00 % (1) The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve and the FDIC may require the Company and the Bank, respectively, to maintain a Tier 1 capital ratio (to average assets) above the required minimum.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Schedule of computation of basic and diluted earnings per share	The following table presents the computation of basic and diluted earnings per share: Year ended December 31, (in thousands except per share data) 2019 2018 2017 Numerator: Net income $ 322,866 $ 300,824 $ 197,063 Preferred stock dividends 9,750 9,750 9,750 Net income available to common stockholders $ 313,116 $ 291,074 $ 187,313 Denominator: Denominator for basic earnings per share—weighted average shares 50,286,300 49,936,702 49,587,169 Effect of employee stock-based awards(1) 132,904 218,275 239,008 Effect of warrants to purchase common stock — 117,895 433,657 Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions 50,419,204 50,272,872 50,259,834 Basic earnings per common share $ 6.23 $ 5.83 $ 3.78 Diluted earnings per common share $ 6.21 $ 5.79 $ 3.73 (1) SARs and RSUs outstanding of 86,308 , 27,100 and 13,500 in 2019 , 2018 and 2017 , respectively, have not been included in diluted earnings per share because to do so would have been antidilutive for the periods presented.

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Schedule of assets and liabilities measured at fair value	Assets and liabilities measured at fair value are as follows: Fair Value Measurements Using (in thousands) Level 1 Level 2 Level 3 December 31, 2019 Available-for-sale debt securities:(1) Residential mortgage-backed securities $ — $ 5,266 $ — Tax-exempt asset-backed securities — — 197,027 CRT Securities — — 11,964 Equity securities(1)(2) 18,484 7,130 — Loans held for sale(3) — 2,564,281 7,043 Loans held for investment(4)(6) — — 109,585 Derivative assets(7) — 48,684 — Derivative liabilities(7) — 51,310 — Non-qualified deferred compensation plan liabilities(8) 18,484 — — December 31, 2018 Available-for-sale debt securities:(1) Residential mortgage-backed securities $ — $ 7,242 $ — Tax-exempt asset-backed securities — — 95,804 Equity securities(1)(2) 10,262 6,908 — Loans held for sale(3) — 1,952,760 16,415 Loans held for investment(4)(6) — — 29,885 OREO(5)(6) — — 79 Derivative assets(7) — 21,806 — Derivative liabilities(7) — 41,375 — Non-qualified deferred compensation plan liabilities(8) 10,148 — — (1) Securities are measured at fair value on a recurring basis, generally monthly, except for tax-exempt asset-backed securities and CRT securities which are measured quarterly. (2) Equity securities consist of Community Reinvestment Act funds and investments related to our non-qualified deferred compensation plan. (3) Loans held for sale purchased through our MCA program are measured at fair value on a recurring basis, generally monthly. (4) Includes impaired loans that have been measured for impairment at the fair value of the loan’s collateral. (5) OREO is transferred from loans to OREO at fair value less selling costs. (6) Loans held for investment and OREO are measured on a nonrecurring basis, generally annually or more often as warranted by market and economic conditions. (7) Derivative assets and liabilities are measured at fair value on a recurring basis, generally quarterly. (8) Non-qualified deferred compensation plan liabilities represent the fair value of the obligation to the employee, which generally correspond to the fair value of the invested assets, and are measured at fair value on a recurring basis, generally monthly.
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The following table presents a reconciliation of the level 3 fair value category measured at fair value on a recurring basis: Net Realized/Unrealized Gains (Losses) (in thousands) Balance at Beginning of Period Purchases / Additions Sales / Reductions Realized Unrealized Balance at End of Period Year ended December 31, 2019 Available-for-sale debt securities:(1) Tax-exempt asset-backed securities $ 95,804 $ 92,010 $ (4,302 ) $ — $ 13,515 $ 197,027 CRT Securities $ — $ 15,044 $ — $ (331 ) $ (2,749 ) $ 11,964 Loans held for sale(2) $ 16,415 $ 321 $ (10,690 ) $ 190 $ 807 $ 7,043 Year ended December 31, 2018 Tax-exempt asset-backed securities(1) $ — $ 95,521 $ (3 ) $ — $ 286 $ 95,804 Loans held for sale(2) $ — $ 38,430 $ (20,591 ) $ (173 ) $ (1,251 ) $ 16,415 (1) Unrealized gains/(losses) on available-for-sale debt securities are recorded in AOCI. Realized gains/(losses) are recorded in other non-interest income. (2) Realized and unrealized gains/(losses) on loans held for sale are recorded in gain/(loss) on sale of loans held for sale.
Summary of the carrying amounts and estimated fair values of financial instruments	A summary of the carrying amounts and estimated fair values of financial instruments is as follows: December 31, 2019 December 31, 2018 (in thousands) Carrying Amount Estimated Fair Value Carrying Estimated Financial assets: Level 1 inputs: Cash and cash equivalents $ 4,425,583 $ 4,425,583 $ 3,080,065 $ 3,080,065 Investment securities 18,484 18,484 10,262 10,262 Level 2 inputs: Investment securities 12,396 12,396 14,150 14,150 Loans held for sale 2,570,091 2,570,091 1,953,059 1,953,059 Derivative assets 48,684 48,684 21,806 21,806 Level 3 inputs: Investment securities 208,991 208,991 95,804 95,804 Loans held for sale 7,043 7,043 16,415 16,415 Loans held for investment, net 24,451,215 24,478,586 22,376,552 22,347,876 Financial liabilities: Level 2 inputs: Federal funds purchased 132,270 132,270 629,169 629,169 Customer repurchase agreements 9,496 9,496 12,005 12,005 Other borrowings 2,400,000 2,400,000 3,900,000 3,900,000 Subordinated notes 282,129 292,302 281,767 283,349 Trust preferred subordinated debentures 113,406 113,406 113,406 113,406 Derivative liabilities 51,310 51,310 41,375 41,375 Level 3 inputs: Deposits 26,478,593 29,357,121 20,606,113 20,608,494

Parent Company Only (Tables)

Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
Balance Sheet	Balance Sheet December 31, (in thousands) 2019 2018 Assets Cash and cash equivalents $ 71,462 $ 89,561 Loans held for investment (net of unearned income) 10,500 7,500 Investment in subsidiaries 2,878,330 2,534,341 Other assets 88,639 87,451 Total assets $ 3,048,931 $ 2,718,853 Liabilities and Stockholders’ Equity Other liabilities $ 1,768 $ 1,471 Subordinated notes 108,715 108,614 Trust preferred subordinated debentures 113,406 113,406 Total liabilities 223,889 223,491 Preferred stock 150,000 150,000 Common stock 503 502 Additional paid-in capital 988,357 978,042 Retained earnings 1,677,240 1,366,308 Treasury stock (8 ) (8 ) Accumulated other comprehensive income 8,950 518 Total stockholders’ equity 2,825,042 2,495,362 Total liabilities and stockholders’ equity $ 3,048,931 $ 2,718,853
Statement of Earnings	Statement of Earnings Year ended December 31, (in thousands) 2019 2018 2017 Interest on loans $ 3,401 $ 3,398 $ 3,271 Dividend income 10,400 10,400 10,400 Other income 151 142 108 Total income 13,952 13,940 13,779 Other non-interest income 17 7 13 Interest expense 12,342 12,031 10,908 Salaries and employee benefits 607 588 489 Legal and professional 3,093 2,020 1,700 Other non-interest expense 1,889 2,013 1,761 Total expense 17,931 16,652 14,858 Income (loss) before income taxes and equity in undistributed income of subsidiary (3,962 ) (2,705 ) (1,066 ) Income tax expense (benefit) (861 ) (587 ) (371 ) Income (loss) before equity in undistributed income of subsidiary (3,101 ) (2,118 ) (695 ) Equity in undistributed income of subsidiary 323,783 300,758 194,118 Net income 320,682 298,640 193,423 Preferred stock dividends 9,750 9,750 9,750 Net income available to common stockholders $ 310,932 $ 288,890 $ 183,673
Statement of Cash Flows	Statements of Cash Flows Year ended December 31, (in thousands) 2019 2018 2017 Operating Activities Net income $ 320,682 $ 298,640 $ 193,423 Adjustments to reconcile net income to net cash used in operating activities: Equity in undistributed income of subsidiary (323,783 ) (300,758 ) (194,118 ) Amortization 101 101 101 Increase in other assets (1,187 ) (1,152 ) (739 ) Increase (decrease) in other liabilities 297 227 (40 ) Net cash used in operating activities (3,890 ) (2,942 ) (1,373 ) Investing Activities Net increase in loans held for investment (3,000 ) — (7,500 ) Investments in and advances to subsidiaries — (40,000 ) (55,000 ) Net cash used in investing activities (3,000 ) (40,000 ) (62,500 ) Financing Activities Proceeds from sale of stock related to stock-based awards (1,459 ) (2,382 ) (2,241 ) Preferred dividends paid (9,750 ) (9,750 ) (9,750 ) Net cash used in financing activities (11,209 ) (12,132 ) (11,991 ) Net increase (decrease) in cash and cash equivalents (18,099 ) (55,074 ) (75,864 ) Cash and cash equivalents at beginning of year 89,561 144,635 220,499 Cash and cash equivalents at end of year $ 71,462 $ 89,561 $ 144,635

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	The notional amounts and estimated fair values of derivative positions outstanding are presented in the following table: December 31, 2019 December 31, 2018 Estimated Fair Value Estimated Fair Value (in thousands) Notional Amount Asset Derivative Liability Derivative Notional Amount Asset Derivative Liability Derivative Non-hedging derivatives: Financial institution counterparties: Commercial loan/lease interest rate swaps $ 1,548,234 $ 182 $ 46,518 $ 1,579,328 $ 7,978 $ 16,719 Commercial loan/lease interest rate caps 639,163 32 — 606,950 1,109 4 Foreign currency forward contracts 2,219 169 — 39,737 2,263 59 Customer counterparties: Commercial loan/lease interest rate swaps 1,548,234 46,518 182 1,579,328 16,719 7,978 Commercial loan/lease interest rate caps 639,163 — 32 606,950 4 1,109 Foreign currency forward contracts 2,219 — 169 39,737 59 2,263 Economic hedging interest rate derivatives: Loan purchase commitments 214,012 1,965 4 167,984 1,442 6 Forward sale commitments 2,654,653 — 4,587 1,928,527 — 21,005 Gross derivatives 48,866 51,492 29,574 49,143 Offsetting derivative assets/liabilities (182 ) (182 ) (7,768 ) (7,768 ) Net derivatives included in the consolidated balance sheets $ 48,684 $ 51,310 $ 21,806 $ 41,375
Schedule Of Weighted Average Interest Rate Received And Paid	The weighted-average received and paid interest rates for interest rate swaps outstanding were as follows: December 31, 2019 Weighted-Average Interest Rate December 31, 2018 Weighted-Average Interest Rate Received Paid Received Paid Non-hedging interest rate swaps 3.94 % 3.26 % 4.24 % 4.20 %

Quarterly Financial Data (Table

Quarterly Financial Data (Tables)	12 Months Ended
	Dec. 31, 2019
Selected Quarterly Financial Information [Abstract]
Schedule of Quarterly Financial Information	2019 Selected Quarterly Financial Data (in thousands, except per share data) Fourth Third Second First Interest income $ 337,757 $ 355,101 $ 346,893 $ 325,561 Interest expense 89,372 102,933 103,340 89,947 Net interest income 248,385 252,168 243,553 235,614 Provision for credit losses 17,000 11,000 27,000 20,000 Net interest income after provision for credit losses 231,385 241,168 216,553 215,614 Non-interest income 17,761 20,301 24,364 30,014 Non-interest expense 158,690 149,370 141,561 140,378 Income before income taxes 90,456 112,099 99,356 105,250 Income tax expense 16,539 23,958 21,387 22,411 Net income 73,917 88,141 77,969 82,839 Preferred stock dividends 2,437 2,438 2,437 2,438 Net income available to common stockholders $ 71,480 $ 85,703 $ 75,532 $ 80,401 Basic earnings per share: $ 1.42 $ 1.70 $ 1.50 $ 1.60 Diluted earnings per share: $ 1.42 $ 1.70 $ 1.50 $ 1.60 2018 Selected Quarterly Financial Data (in thousands, except per share data) Fourth Third Second First Interest income $ 321,718 $ 301,754 $ 286,852 $ 253,869 Interest expense 81,045 69,579 55,140 43,569 Net interest income 240,673 232,175 231,712 210,300 Provision for credit losses 35,000 13,000 27,000 12,000 Net interest income after provision for credit losses 205,673 219,175 204,712 198,300 Non-interest income 15,280 25,518 17,279 19,947 Non-interest expense 129,862 136,143 132,131 126,960 Income before income taxes 91,091 108,550 89,860 91,287 Income tax expense 19,200 22,998 18,424 19,342 Net income 71,891 85,552 71,436 71,945 Preferred stock dividends 2,437 2,438 2,437 2,438 Net income available to common stockholders $ 69,454 $ 83,114 $ 68,999 $ 69,507 Basic earnings per share: $ 1.38 $ 1.66 $ 1.39 $ 1.40 Diluted earnings per share: $ 1.38 $ 1.65 $ 1.38 $ 1.38

Operations and Summary of Sig_3

Operations and Summary of Significant Accounting Policies (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Jan. 01, 2019
Property, Plant and Equipment [Line Items]
Operating lease right-of-use asset	$ 80,000
Lease liability	$ 95,887
Minimum
Property, Plant and Equipment [Line Items]
Useful life	3 years
Useful life	1 year
Maximum
Property, Plant and Equipment [Line Items]
Useful life	5 years
Useful life	5 years
Accounting Standards Update 2016-02
Property, Plant and Equipment [Line Items]
Operating lease right-of-use asset		$ 64,000
Lease liability		$ 74,000

Investment Securities (Details)

Investment Securities (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized Cost		$ 202,929	$ 102,392
Gross Unrealized Gains		14,077	654
Gross Unrealized Losses		(2,749)	0
Estimated Fair Value		214,257	103,046
Payments to acquire AFS securities, debt		$ 113,233	101,558	$ 97,776
Percentage share of reference pool of mortgage loan losses		50.00%
Maximum
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Percentage of potential loss of amount outstanding		100.00%
Residential mortgage-backed securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized Cost		$ 4,991	6,874
Gross Unrealized Gains		275	368
Gross Unrealized Losses		0	0
Estimated Fair Value		5,266	7,242
Tax-exempt asset-backed securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized Cost		183,225	95,518
Gross Unrealized Gains		13,802	286
Gross Unrealized Losses		0	0
Estimated Fair Value		197,027	$ 95,804
Payments to acquire AFS securities, debt	$ 92,000
CRT Securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized Cost		14,713
Gross Unrealized Gains		0
Gross Unrealized Losses		(2,749)
Estimated Fair Value		$ 11,964
Payments to acquire AFS securities, debt	$ 15,000

Investment Securities (Details

Investment Securities (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Amortized cost
Amortized Cost	$ 202,929	$ 102,392
Estimated fair value
Total	214,257	103,046
Investment securities	$ 214,257	$ 103,046
Available-for-sale Securities, Other Disclosure Items
Federal tax rate (percent)	21.00%	21.00%	35.00%
Customer repurchase agreements
Available-for-sale Securities, Other Disclosure Items
Available-for-sale debt securities pledged to secure certain customer repurchase agreements and deposits	$ 3,500	$ 4,800
Residential mortgage-backed securities
Amortized cost
Less Than One Year	0	3
After One Through Five Years	1,005	1,573
After Five Through Ten Years	0	0
After Ten Years	3,986	5,298
Amortized Cost	4,991	6,874
Estimated fair value
Less Than One Year	0	4
After One Through Five Years	1,088	1,668
After Five Through Ten Years	0	0
After Ten Years	4,178	5,570
Investment securities	$ 5,266	$ 7,242
Weighted average yield
Less Than One Year	0.00%	6.50%
After One Through Five Years	5.54%	5.54%
After Five Through Ten Years	0.00%	0.00%
After Ten Years	4.31%	4.53%
Total	4.55%	4.76%
Tax-exempt asset-backed securities
Amortized cost
Less Than One Year	$ 0	$ 0
After One Through Five Years	0	0
After Five Through Ten Years	0	0
After Ten Years	183,225	95,518
Amortized Cost	183,225	95,518
Estimated fair value
Less Than One Year	0	0
After One Through Five Years	0	0
After Five Through Ten Years	0	0
After Ten Years	197,027	95,804
Investment securities	$ 197,027	$ 95,804
Weighted average yield
Less Than One Year	0.00%	0.00%
After One Through Five Years	0.00%	0.00%
After Five Through Ten Years	0.00%	0.00%
After Ten Years	4.20%	4.25%
Total	4.20%	4.25%
CRT Securities
Amortized cost
Less Than One Year	$ 0
After One Through Five Years	0
After Five Through Ten Years	0
After Ten Years	14,713
Amortized Cost	14,713
Estimated fair value
Less Than One Year	0
After One Through Five Years	0
After Five Through Ten Years	0
After Ten Years	11,964
Investment securities	$ 11,964
Weighted average yield
Less Than One Year	0.00%
After One Through Five Years	0.00%
After Five Through Ten Years	0.00%
After Ten Years	1.71%
Total	1.71%
Deposits
Available-for-sale Securities, Other Disclosure Items
Available-for-sale debt securities pledged to secure certain customer repurchase agreements and deposits	$ 1,200	$ 1,700

Investment Securities (Detail_2

Investment Securities (Details 2) - CRT Securities - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2019
Available-for-sale debt securities:
Less Than 12 Months, Fair Value		$ 11,964
Less Than 12 Months, Unrealized Loss		(2,749)
12 Months or Longer, Fair Value		0
12 Months or Longer, Unrealized Loss		0
Total, Fair Value		11,964
Total, Unrealized Loss		$ (2,749)
Other-than-temporary credit-related impairment	$ 331

Investment Securities (Detail_3

Investment Securities (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Debt Securities, Available-for-sale [Abstract]
Estimated fair value	$ 25,600	$ 17,200
Net gains/(losses) recognized during the period	2,383	(975)
Less: Realized net gains/(losses) recognized during the period on equity securities sold	119	460
Unrealized net gains/(losses) recognized during the period on equity securities still held	$ 2,264	$ (1,435)

Loans Held for Investment and_3

Loans Held for Investment and Allowance for Loan Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable, Net Reported Amount
Commercial	$ 10,230,828	$ 10,373,288
Mortgage finance(1)	8,169,849	5,877,524
Construction	2,563,339	2,120,966
Real estate	3,444,701	3,929,117
Consumer	71,463	63,438
Equipment leases	256,462	312,191
Gross loans held for investment	24,736,642	22,676,524
Deferred income (net of direct origination costs)	(90,380)	(108,450)
Allowance for loan losses	(195,047)	(191,522)	$ (184,655)
Loans held for investment, net	24,451,215	22,376,552
Participations sold	$ 682,700	$ 193,000

Loans Held for Investment and_4

Loans Held for Investment and Allowance for Loan Losses (Details 1) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Commercial	$ 10,230,828	$ 10,373,288
Mortgage finance(1)	8,169,849	5,877,524
Construction	2,563,339	2,120,966
Real estate	3,444,701	3,929,117
Consumer	71,463	63,438
Equipment leases	256,462	312,191
Total	24,736,642	22,676,524
Pass
Financing Receivable, Recorded Investment [Line Items]
Commercial	9,751,645	10,034,597
Mortgage finance(1)	8,169,849	5,877,524
Construction	2,540,059	2,099,955
Real estate	3,364,554	3,850,811
Consumer	71,289	61,815
Equipment leases	255,171	309,775
Total	24,152,567	22,234,477
Special mention
Financing Receivable, Recorded Investment [Line Items]
Commercial	198,269	120,531
Mortgage finance(1)	0	0
Construction	6,590	21,011
Real estate	52,919	47,644
Consumer	140	0
Equipment leases	1,062	2,223
Total	258,980	191,409
Substandard-accruing
Financing Receivable, Recorded Investment [Line Items]
Commercial	67,454	140,297
Mortgage finance(1)	0	0
Construction	16,690	0
Real estate	15,528	28,205
Consumer	0	1,568
Equipment leases	39	193
Total	99,711	170,263
Non-accrual
Financing Receivable, Recorded Investment [Line Items]
Commercial	213,460	77,863
Mortgage finance(1)	0	0
Construction	0	0
Real estate	11,700	2,457
Consumer	34	55
Equipment leases	190	0
Total	$ 225,384	$ 80,375

Loans Held for Investment and_5

Loans Held for Investment and Allowance for Loan Losses (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Average impaired loans outstanding	$ 128,549	$ 105,138	$ 130,800
Interest income recognized on non-accrual loans	0	133	6
Interest lost on non-accrual loans	12,000	8,500	$ 19,000
Non-accrual loans earning on cash basis	0
Nonaccrual loans that met the criteria for restructured	$ 35,100	$ 20,000

Loans Held for Investment and_6

Loans Held for Investment and Allowance for Loan Losses (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 191,522	$ 184,655
Provision for loan losses	77,794	84,637
Charge-offs	77,639	80,778
Recoveries	3,370	3,008
Net charge-offs (recoveries)	74,269	77,770
Ending balance	195,047	191,522
Period end allowance for loan losses allocated to:
Loans individually evaluated for impairment	60,424	8,310
Loans collectively evaluated for impairment	134,623	183,212
Period end loans allocated to:
Loans individually evaluated for impairment	225,384	87,340
Loans collectively evaluated for impairment	24,511,258	22,589,184
Gross loans held for investment	24,736,642	22,676,524
Commercial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	129,442	118,806
Provision for loan losses	106,345	87,860
Charge-offs	76,958	79,692
Recoveries	3,290	2,468
Net charge-offs (recoveries)	73,668	77,224
Ending balance	162,119	129,442
Period end allowance for loan losses allocated to:
Loans individually evaluated for impairment	59,832	8,252
Loans collectively evaluated for impairment	102,287	121,190
Period end loans allocated to:
Loans individually evaluated for impairment	213,460	78,428
Loans collectively evaluated for impairment	10,017,368	10,294,860
Gross loans held for investment	10,230,828	10,373,288
Mortgage Finance
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	0	0
Provision for loan losses	2,265	0
Charge-offs	0	0
Recoveries	0	0
Net charge-offs (recoveries)	0	0
Ending balance	2,265	0
Period end allowance for loan losses allocated to:
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	2,265	0
Period end loans allocated to:
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	8,169,849	5,877,524
Gross loans held for investment	8,169,849	5,877,524
Construction
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	19,242	19,273
Provision for loan losses	(4,469)	(31)
Charge-offs	0	0
Recoveries	0	0
Net charge-offs (recoveries)	0	0
Ending balance	14,773	19,242
Period end allowance for loan losses allocated to:
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	14,773	19,242
Period end loans allocated to:
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	2,563,339	2,120,966
Gross loans held for investment	2,563,339	2,120,966
Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	33,353	34,287
Provision for loan losses	(17,189)	(1,003)
Charge-offs	662	0
Recoveries	0	69
Net charge-offs (recoveries)	662	(69)
Ending balance	15,502	33,353
Period end allowance for loan losses allocated to:
Loans individually evaluated for impairment	549	48
Loans collectively evaluated for impairment	14,953	33,305
Period end loans allocated to:
Loans individually evaluated for impairment	11,700	8,857
Loans collectively evaluated for impairment	3,433,001	3,920,260
Gross loans held for investment	3,444,701	3,929,117
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	425	357
Provision for loan losses	(441)	397
Charge-offs	0	767
Recoveries	69	438
Net charge-offs (recoveries)	(69)	329
Ending balance	53	425
Period end allowance for loan losses allocated to:
Loans individually evaluated for impairment	7	10
Loans collectively evaluated for impairment	46	415
Period end loans allocated to:
Loans individually evaluated for impairment	34	55
Loans collectively evaluated for impairment	71,429	63,383
Gross loans held for investment	71,463	63,438
Equipment Leases
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,829	3,542
Provision for loan losses	(1,486)	(1,427)
Charge-offs	19	319
Recoveries	11	33
Net charge-offs (recoveries)	8	286
Ending balance	335	1,829
Period end allowance for loan losses allocated to:
Loans individually evaluated for impairment	36	0
Loans collectively evaluated for impairment	299	1,829
Period end loans allocated to:
Loans individually evaluated for impairment	190	0
Loans collectively evaluated for impairment	256,272	312,191
Gross loans held for investment	256,462	312,191
Additional Qualitative Reserve
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	7,231	8,390
Provision for loan losses	(7,231)	(1,159)
Charge-offs	0	0
Recoveries	0	0
Net charge-offs (recoveries)	0	0
Ending balance	0	7,231
Period end allowance for loan losses allocated to:
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	0	7,231
Period end loans allocated to:
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	0	0
Gross loans held for investment	$ 0	$ 0

Loans Held for Investment and_7

Loans Held for Investment and Allowance for Loan Losses (Details 6) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Recorded Investment
With No Related Allowanced Recorded, Recorded Investment	$ 104,253	$ 44,176
With An Allowanced Recorded, Recorded Investment	121,131	43,164
Combined, Recorded Investment	225,384	87,340
Unpaid Principal Balance
With No Related Allowanced Recorded, Unpaid Principal Balance	120,596	76,992
With An Allowanced Recorded, Unpaid Principal Balance	143,814	45,960
Combined, Unpaid Principal Balance	264,410	122,952
Related Allowance	60,424	8,310
Average Recorded Investment
With No Related Allowanced Recorded, Average Recorded Investment	47,072	37,510
With An Allowanced Recorded, Average Recorded Investment	81,477	67,628
Combined, Average Recorded Investment	128,549	105,138	$ 130,800
Interest Income Recognized
With No Related Allowanced Recorded, Interest Income Recognized	0	133
With An Allowanced Recorded, Interest Income Recognized	0	0
Interest income recognized on non-accrual loans	0	133	$ 6
Non-accrual loans earning on cash basis	0
Commercial | Business loans
Recorded Investment
With No Related Allowanced Recorded, Recorded Investment	35,932	23,367
With An Allowanced Recorded, Recorded Investment	52,479	17,529
Combined, Recorded Investment	88,411	40,896
Unpaid Principal Balance
With No Related Allowanced Recorded, Unpaid Principal Balance	51,172	55,008
With An Allowanced Recorded, Unpaid Principal Balance	55,422	17,564
Combined, Unpaid Principal Balance	106,594	72,572
Related Allowance	29,467	4,679
Average Recorded Investment
With No Related Allowanced Recorded, Average Recorded Investment	20,074	16,426
With An Allowanced Recorded, Average Recorded Investment	27,288	41,307
Combined, Average Recorded Investment	47,362	57,733
Interest Income Recognized
With No Related Allowanced Recorded, Interest Income Recognized	0	133
With An Allowanced Recorded, Interest Income Recognized	0	0
Combined, Interest Income Recognized	0	133
Commercial | Energy loans
Recorded Investment
With No Related Allowanced Recorded, Recorded Investment	57,722	12,188
With An Allowanced Recorded, Recorded Investment	67,327	25,344
Combined, Recorded Investment	125,049	37,532
Unpaid Principal Balance
With No Related Allowanced Recorded, Unpaid Principal Balance	58,519	13,363
With An Allowanced Recorded, Unpaid Principal Balance	87,067	28,105
Combined, Unpaid Principal Balance	145,586	41,468
Related Allowance	30,365	3,573
Average Recorded Investment
With No Related Allowanced Recorded, Average Recorded Investment	15,692	17,135
With An Allowanced Recorded, Average Recorded Investment	51,232	25,672
Combined, Average Recorded Investment	66,924	42,807
Interest Income Recognized
With No Related Allowanced Recorded, Interest Income Recognized	0	0
With An Allowanced Recorded, Interest Income Recognized	0	0
Combined, Interest Income Recognized	0	0
Real estate | Market risk
Recorded Investment
With No Related Allowanced Recorded, Recorded Investment	8,500	0
With An Allowanced Recorded, Recorded Investment	870	0
Combined, Recorded Investment	9,370	0
Unpaid Principal Balance
With No Related Allowanced Recorded, Unpaid Principal Balance	8,806	0
With An Allowanced Recorded, Unpaid Principal Balance	870	0
Combined, Unpaid Principal Balance	9,676	0
Related Allowance	499	0
Average Recorded Investment
With No Related Allowanced Recorded, Average Recorded Investment	4,980	0
With An Allowanced Recorded, Average Recorded Investment	2,257	49
Combined, Average Recorded Investment	7,237	49
Interest Income Recognized
With No Related Allowanced Recorded, Interest Income Recognized	0	0
With An Allowanced Recorded, Interest Income Recognized	0	0
Combined, Interest Income Recognized	0	0
Real estate | Commercial
Recorded Investment
With No Related Allowanced Recorded, Recorded Investment	881	7,388
With An Allowanced Recorded, Recorded Investment	0	0
Combined, Recorded Investment	881	7,388
Unpaid Principal Balance
With No Related Allowanced Recorded, Unpaid Principal Balance	881	7,388
With An Allowanced Recorded, Unpaid Principal Balance	0	0
Combined, Unpaid Principal Balance	881	7,388
Related Allowance	0	0
Average Recorded Investment
With No Related Allowanced Recorded, Average Recorded Investment	5,100	3,215
With An Allowanced Recorded, Average Recorded Investment	0	83
Combined, Average Recorded Investment	5,100	3,298
Interest Income Recognized
With No Related Allowanced Recorded, Interest Income Recognized	0	0
With An Allowanced Recorded, Interest Income Recognized	0	0
Combined, Interest Income Recognized	0	0
Real estate | Secured by 1-4 family
Recorded Investment
With No Related Allowanced Recorded, Recorded Investment	1,218	1,233
With An Allowanced Recorded, Recorded Investment	231	236
Combined, Recorded Investment	1,449	1,469
Unpaid Principal Balance
With No Related Allowanced Recorded, Unpaid Principal Balance	1,218	1,233
With An Allowanced Recorded, Unpaid Principal Balance	231	236
Combined, Unpaid Principal Balance	1,449	1,469
Related Allowance	50	48
Average Recorded Investment
With No Related Allowanced Recorded, Average Recorded Investment	1,226	734
With An Allowanced Recorded, Average Recorded Investment	621	188
Combined, Average Recorded Investment	1,847	922
Interest Income Recognized
With No Related Allowanced Recorded, Interest Income Recognized	0	0
With An Allowanced Recorded, Interest Income Recognized	0	0
Combined, Interest Income Recognized	0	0
Consumer
Recorded Investment
With No Related Allowanced Recorded, Recorded Investment	0	0
With An Allowanced Recorded, Recorded Investment	34	55
Combined, Recorded Investment	34	55
Unpaid Principal Balance
With No Related Allowanced Recorded, Unpaid Principal Balance	0	0
With An Allowanced Recorded, Unpaid Principal Balance	34	55
Combined, Unpaid Principal Balance	34	55
Related Allowance	7	10
Average Recorded Investment
With No Related Allowanced Recorded, Average Recorded Investment	0	0
With An Allowanced Recorded, Average Recorded Investment	63	54
Combined, Average Recorded Investment	63	54
Interest Income Recognized
With No Related Allowanced Recorded, Interest Income Recognized	0	0
With An Allowanced Recorded, Interest Income Recognized	0	0
Combined, Interest Income Recognized	0	0
Equipment leases
Recorded Investment
With No Related Allowanced Recorded, Recorded Investment	0	0
With An Allowanced Recorded, Recorded Investment	190	0
Combined, Recorded Investment	190	0
Unpaid Principal Balance
With No Related Allowanced Recorded, Unpaid Principal Balance	0	0
With An Allowanced Recorded, Unpaid Principal Balance	190	0
Combined, Unpaid Principal Balance	190	0
Related Allowance	36	0
Average Recorded Investment
With No Related Allowanced Recorded, Average Recorded Investment	0	0
With An Allowanced Recorded, Average Recorded Investment	16	275
Combined, Average Recorded Investment	16	275
Interest Income Recognized
With No Related Allowanced Recorded, Interest Income Recognized	0	0
With An Allowanced Recorded, Interest Income Recognized	0	0
Combined, Interest Income Recognized	$ 0	$ 0

Loans Held for Investment and_8

Loans Held for Investment and Allowance for Loan Losses (Details 7) $ in Thousands	Dec. 31, 2019USD ($)
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 47,709
Non-accrual	225,384
Current	24,463,549
Total	24,736,642
Premium finance loans past due and still accruing	8,500
Commercial | Business loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	35,330
Non-accrual	88,411
Current	8,681,989
Total	8,805,730
Commercial | Energy loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Non-accrual	125,049
Current	1,300,049
Total	1,425,098
Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Non-accrual	0
Current	8,169,849
Total	8,169,849
Construction | Market risk
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Non-accrual	0
Current	2,457,986
Total	2,457,986
Construction | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Non-accrual	0
Current	93,764
Total	93,764
Construction | Secured by 1-4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Non-accrual	0
Current	11,589
Total	11,589
Real estate | Market risk
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	10,786
Non-accrual	9,370
Current	2,238,384
Total	2,258,540
Real estate | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	688
Non-accrual	881
Current	810,149
Total	811,718
Real estate | Secured by 1-4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	389
Non-accrual	1,449
Current	372,605
Total	374,443
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	212
Non-accrual	34
Current	71,217
Total	71,463
Equipment leases
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	304
Non-accrual	190
Current	255,968
Total	256,462
30 to 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	19,940
30 to 59 Days Past Due | Commercial | Business loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	8,746
30 to 59 Days Past Due | Commercial | Energy loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
30 to 59 Days Past Due | Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
30 to 59 Days Past Due | Construction | Market risk
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
30 to 59 Days Past Due | Construction | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
30 to 59 Days Past Due | Construction | Secured by 1-4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
30 to 59 Days Past Due | Real estate | Market risk
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	10,786
30 to 59 Days Past Due | Real estate | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
30 to 59 Days Past Due | Real estate | Secured by 1-4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	104
30 to 59 Days Past Due | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
30 to 59 Days Past Due | Equipment leases
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	304
60 to 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	10,185
60 to 89 Days Past Due | Commercial | Business loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	9,299
60 to 89 Days Past Due | Commercial | Energy loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
60 to 89 Days Past Due | Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
60 to 89 Days Past Due | Construction | Market risk
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
60 to 89 Days Past Due | Construction | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
60 to 89 Days Past Due | Construction | Secured by 1-4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
60 to 89 Days Past Due | Real estate | Market risk
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
60 to 89 Days Past Due | Real estate | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	495
60 to 89 Days Past Due | Real estate | Secured by 1-4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	179
60 to 89 Days Past Due | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	212
60 to 89 Days Past Due | Equipment leases
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Greater Than 90 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	17,584
Greater Than 90 Days | Commercial | Business loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	17,285
Greater Than 90 Days | Commercial | Energy loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Greater Than 90 Days | Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Greater Than 90 Days | Construction | Market risk
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Greater Than 90 Days | Construction | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Greater Than 90 Days | Construction | Secured by 1-4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Greater Than 90 Days | Real estate | Market risk
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Greater Than 90 Days | Real estate | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	193
Greater Than 90 Days | Real estate | Secured by 1-4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	106
Greater Than 90 Days | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0
Greater Than 90 Days | Equipment leases
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 0

Loans Held for Investment and_9

Loans Held for Investment and Allowance for Loan Losses (Details 8) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)contract	Dec. 31, 2018USD ($)contract
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	5	7
Loans modified as restructured loans | $	$ 26,881	$ 12,458
Extended maturity
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	2	0
Loans modified as restructured loans | $	$ 5,688	$ 0
Adjusted payment schedule
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	3	7
Loans modified as restructured loans | $	$ 21,193	$ 12,458
Commercial | Business loans
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	4	2
Loans modified as restructured loans | $	$ 22,946	$ 2,411
Commercial | Business loans | Extended maturity
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	1	0
Loans modified as restructured loans | $	$ 1,753	$ 0
Commercial | Business loans | Adjusted payment schedule
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	3	2
Loans modified as restructured loans | $	$ 21,193	$ 2,411
Commercial | Energy loans
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	1	5
Loans modified as restructured loans | $	$ 3,935	$ 10,047
Commercial | Energy loans | Extended maturity
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	1	0
Loans modified as restructured loans | $	$ 3,935	$ 0
Commercial | Energy loans | Adjusted payment schedule
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	0	5
Loans modified as restructured loans | $	$ 0	$ 10,047

OREO and Valuation Allowance _3

OREO and Valuation Allowance for Losses on OREO (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Other Real Estate [Roll Forward]
Beginning balance	$ 79	$ 11,742	$ 18,961
Additions	0	0	0
Sales	(79)	(11,663)	(1,108)
Valuation allowance for OREO	0	0	0
Direct write-downs	0	0	(6,111)
Ending balance	$ 0	79	$ 11,742
Other real estate owned write-down		6,100
Gain on sale		$ 2,000

Certain Transfers of Financia_3

Certain Transfers of Financial Assets Certain Transfers of Financial Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Outstanding balance(1):
Beginning balance	$ 1,949,785	$ 1,012,580
Loans purchased	10,183,057	6,753,709
Payments and loans sold	(9,564,480)	(5,816,504)
Ending balance	2,568,362	1,949,785
Fair value adjustment:
Increase/(decrease) to fair value	(10,917)	21,265
Fair value over (under) outstanding balance	8,772	19,689	$ (1,576)
Loans held for sale	2,577,134	1,969,474
Small Business Administration Loans [Member]
Fair value adjustment:
Fair value over (under) outstanding balance	$ 5,800	$ 299	$ 3,300

Certain Transfers of Financia_4

Certain Transfers of Financial Assets (Details 1) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Loans held for sale	$ 2,568,362,000	$ 1,949,785,000	$ 1,012,580,000
Loans that have the unilateral right to repurchase	47,709,000
Estimated exposure related to servicing assets	3,600,000	1,600,000
Principal amount outstanding of loans in servicing portfolio	6,700,000,000	3,900,000,000
Escrow deposits related to servicing portfolio	63,700,000	37,900,000
Losses due to repurchase indemnification and make-whole obligations	9,000,000	258,000
Greater Than 90 Days
Loans and Leases Receivable Disclosure [Line Items]
Loans held for sale	8,200,000	16,800,000
Loans that have the unilateral right to repurchase	17,584,000
Mortgage servicing rights
Loans and Leases Receivable Disclosure [Line Items]
Impairment charges	5,800,000
Government guarantees | Greater Than 90 Days
Loans and Leases Receivable Disclosure [Line Items]
Loans held for sale	6,000,000	$ 16,000,000
Non-accrual
Loans and Leases Receivable Disclosure [Line Items]
Loans held for sale	0
Disposal Group, Held-for-sale, Not Discontinued Operations [Member] | Government guarantees | Maturity Greater than 90 Days [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans that have the unilateral right to repurchase	$ 1,900,000

Certain Transfers of Financia_5

Certain Transfers of Financial Assets (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Valuation Allowance for Impairment of Recognized Servicing Assets, Sales and Disposals [Abstract]
Valuation allowance, beginning balance	$ 1,600
Valuation allowance, ending balance	3,600	$ 1,600
Mortgage Servicing Rights
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance, beginning of year	42,474	88,150
Capitalized servicing rights	39,774	39,149
Amortization	(11,541)	(9,278)
Sales	0	(75,547)
Balance, end of period	70,707	42,474
Valuation Allowance for Impairment of Recognized Servicing Assets, Sales and Disposals [Abstract]
Valuation allowance, beginning balance	0	2,823
Increase (decrease) in valuation allowance	5,803	(2,823)
Valuation allowance, ending balance	5,803	0
MSRs, net	64,904	42,474
Fair value	$ 64,904	$ 44,502

Certain Transfers of Financia_6

Certain Transfers of Financial Assets (Details 3) - Mortgage Servicing Rights	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Fair Value Assumption, Date of Securitization or Asset-backed Financing Arrangement, Transferor's Continuing Involvement, Servicing Assets or Liabilities [Line Items]
Average discount rates (percent)	9.06%	9.55%
Expected prepayment speeds (percent)	13.11%	9.77%
Weighted-average life, in years	5 years 9 months 18 days	7 years

Certain Transfers of Financia_7

Certain Transfers of Financial Assets Certain Transfers of Financial Assets (Details 4) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Transfers and Servicing [Abstract]
50 bp adverse change in prepayment speed	$ (10,768)	$ (6,028)
100 bp adverse change in prepayment speed	$ (17,965)	$ (11,629)

Leases - Narrative (Details)

Leases - Narrative (Details) $ in Thousands	Dec. 31, 2019USD ($)
Lessee, Lease, Description [Line Items]
Operating lease ROU assets	$ 80,000
Lease liability	$ 95,887
Minimum
Lessee, Lease, Description [Line Items]
Lease terms	1 year
Extension options	5 years
Maximum
Lessee, Lease, Description [Line Items]
Lease terms	13 years
Extension options	10 years

Leases - Net lease cost (Detail

Leases - Net lease cost (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Leases [Abstract]
Operating lease cost	$ 14,844
Short-term lease cost	19
Variable lease cost	3,918
Sublease income	(126)
Net lease cost	18,656
Operating cash flows from operating leases	14,711
Non-cash changes in ROU assets	98,369
Non-cash changes in lease liabilities	108,189
Right-of-use asset obtained in exchange for finance lease liability	$ 87,900

Leases - Other information (Det

Leases - Other information (Details)	Dec. 31, 2019
Leases [Abstract]
Weighted-average remaining lease term - operating leases, in years	7 years 2 months 12 days
Weighted-average discount rate - operating leases	2.75%

Leases - Maturity of remaining

Leases - Maturity of remaining lease liabilities (Details) $ in Thousands	Dec. 31, 2019USD ($)
Leases [Abstract]
2020	$ 16,586
2021	17,136
2022	16,338
2023	16,377
2024	11,619
2025 and thereafter	28,018
Total lease payments	106,074
Less: Interest	(10,187)
Present value of lease liabilities	$ 95,887

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Goodwill
Gross	$ 15,468	$ 15,468
Accumulated Amortization	(374)	(374)
Net	15,094	15,094
Intangible assets—customer relationships and trademarks
Gross	9,006	9,006
Accumulated Amortization	(6,001)	(5,530)
Net	3,005	3,476
Total goodwill and intangible assets
Gross	24,474	24,474
Accumulated Amortization	(6,375)	(5,904)
Net	$ 18,099	$ 18,570

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets (Details 1) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
2016	$ 432
2017	405
2018	405
2019	382
2020	268
Thereafter	1,113
Net	$ 3,005	$ 3,476

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Goodwill and Intangible Assets Disclosure [Abstract]
Total intangible assets	$ 18,099	$ 18,570
Amortization expense related to intangible assets	$ 471	$ 470	$ 472

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Summary of premises and equipment
Premises and equipment, gross	$ 72,357	$ 63,129
Accumulated depreciation	(41,145)	(39,327)
Total premises and equipment, net	31,212	23,802
Depreciation, Depletion and Amortization
Depreciation expense	9,200	9,000	$ 6,900
Premises
Summary of premises and equipment
Premises and equipment, gross	30,181	27,999
Furniture and equipment
Summary of premises and equipment
Premises and equipment, gross	$ 42,176	$ 35,130

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Non-interest bearing deposits
Non-interest-bearing demand deposits	$ 9,438,459	$ 7,317,161
Interest-bearing deposits
Transaction	3,651,128	3,051,535
Savings	10,517,975	8,222,893
Time	2,871,031	2,014,524
Total interest-bearing deposits	17,040,134	13,288,952
Total deposits	$ 26,478,593	$ 20,606,113

Deposits (Details 1)

Deposits (Details 1) $ in Thousands	Dec. 31, 2019USD ($)
Scheduled maturities of interest bearing time deposits
2015	$ 2,810,219
2016	49,275
2017	6,648
2018	271
2019	1,763
2025 and after	2,855
Interest bearing time deposits, total	$ 2,871,031

Deposits (Details 2)

Deposits (Details 2) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Deposits [Abstract]
Deposits from related parties	$ 13	$ 13.5
Interest-bearing time deposits of $250,000 or more	$ 347.7	$ 270.2

Short-Term and Other Borrowin_3

Short-Term and Other Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Federal funds purchased
Debt Instrument [Line Items]
Amount outstanding at year-end	$ 132,270	$ 629,169	$ 359,338
Interest rate at year-end	1.66%	2.54%	1.45%
Average balance outstanding during the year	$ 502,604	$ 323,140	$ 215,895
Weighted-average interest rate during the year	2.36%	2.02%	1.20%
Maximum outstanding at any month end	$ 905,473	$ 629,169	$ 544,203
Customer repurchase agreements
Debt Instrument [Line Items]
Amount outstanding at year-end	$ 9,496	$ 12,005	$ 5,702
Interest rate at year-end	0.61%	0.09%	0.03%
Average balance outstanding during the year	$ 11,655	$ 9,812	$ 6,590
Weighted-average interest rate during the year	0.51%	0.09%	0.04%
Maximum outstanding at any month end	$ 14,208	$ 13,835	$ 8,727
FHLB borrowings
Debt Instrument [Line Items]
Amount outstanding at year-end	$ 2,400,000	$ 3,900,000	$ 2,800,000
Interest rate at year-end	1.68%	2.56%	1.35%
Average balance outstanding during the year	$ 2,523,836	$ 1,769,452	$ 1,395,753
Weighted-average interest rate during the year	2.31%	2.05%	1.08%
Maximum outstanding at any month end	$ 5,000,000	$ 4,000,000	$ 2,800,000

Short-Term and Other Borrowin_4

Short-Term and Other Borrowings (Details 1) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Summary of other borrowing capacities
Total FHLB borrowing capacity	$ 8,964,608,000	$ 4,569,563,000	$ 3,893,066,000
Unused federal funds lines available from commercial banks	1,432,000,000	620,000,000	885,000,000
Unused Federal Reserve borrowings capacity	3,637,238,000	4,933,965,000	4,114,594,000
Unused revolving line of credit	130,000,000	130,000,000	130,000,000
Average amount oustanding	0	0
FHLB borrowing capacity relating to loans
Summary of other borrowing capacities
Total FHLB borrowing capacity	8,964,019,000	4,568,842,000	3,890,995,000
FHLB borrowing capacity relating to securities
Summary of other borrowing capacities
Total FHLB borrowing capacity	$ 589,000	$ 721,000	$ 2,071,000

Long-Term Debt (Details)

Long-Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Jan. 31, 2014	Sep. 21, 2012
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Trust preferred securities issued	$ 113,406	$ 113,406	$ 175,000	$ 111,000
Stated interest rate			5.25%	6.50%
Trust preferred subordinated debentures
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Total borrowings	$ 113,400

Long-Term Debt (Details 1)

Long-Term Debt (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Jan. 31, 2014	Sep. 21, 2012
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Trust preferred securities issued	$ 113,406	$ 113,406	$ 175,000	$ 111,000
Texas Capital Bancshares Statutory Trust I
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Date issued	Nov. 19, 2002
Trust preferred securities issued	$ 10,310
Floating or fixed rate securities	Floating
Maturity date	Nov. 30, 2032
Texas Capital Bancshares Statutory Trust I | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	3 month LIBOR + 3.35%
Interest rate on subordinated debentures, spread on variable rate	3.35%
Texas Capital Statutory Trust II
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Date issued	Apr. 10, 2003
Trust preferred securities issued	$ 10,310
Floating or fixed rate securities	Floating
Maturity date	Apr. 30, 2033
Texas Capital Statutory Trust II | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	3 month LIBOR + 3.25%
Interest rate on subordinated debentures, spread on variable rate	3.25%
Texas Capital Statutory Trust III
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Date issued	Oct. 6, 2005
Trust preferred securities issued	$ 25,774
Floating or fixed rate securities	Floating
Maturity date	Dec. 31, 2035
Texas Capital Statutory Trust III | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	3 month LIBOR + 1.51%
Interest rate on subordinated debentures, spread on variable rate	1.51%
Texas Capital Statutory Trust IV
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Date issued	Apr. 28, 2006
Trust preferred securities issued	$ 25,774
Floating or fixed rate securities	Floating
Maturity date	Jun. 30, 2036
Texas Capital Statutory Trust IV | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	3 month LIBOR + 1.60%
Interest rate on subordinated debentures, spread on variable rate	1.60%
Texas Capital Statutory Trust V
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Date issued	Sep. 29, 2006
Trust preferred securities issued	$ 41,238
Floating or fixed rate securities	Floating
Maturity date	Dec. 31, 2036
Texas Capital Statutory Trust V | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	3 month LIBOR + 1.71%
Interest rate on subordinated debentures, spread on variable rate	1.71%

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current:
Federal									$ 69,427	$ 82,556	$ 94,112
State									4,072	3,808	3,257
Total									73,499	86,364	97,369
Deferred:
Federal									10,796	(6,400)	31,276
State									0	0	0
Total									10,796	(6,400)	31,276
Total expense:
Federal									80,223	76,156	125,388
State									4,072	3,808	3,257
Total	$ 16,539	$ 23,958	$ 21,387	$ 22,411	$ 19,200	$ 22,998	$ 18,424	$ 19,342	$ 84,295	$ 79,964	$ 128,645

Income Taxes (Details 1)

Income Taxes (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation [Abstract]
Tax at U.S. statutory rate	21.00%	21.00%	35.00%
State taxes (percent)	1.00%	1.00%	1.00%
Non-deductible expenses (percent)	1.00%	1.00%	1.00%
Deductible tax asset write-off (percent)	0.00%	0.00%	5.00%
Non-taxable income (percent)	(1.00%)	(1.00%)	(1.00%)
Other (percent)	(1.00%)	(1.00%)	(1.00%)
Total (percent)	21.00%	21.00%	40.00%
Deferred tax assets:
Allowance for credit losses	$ 44,383	$ 44,224
Operating lease liabilities	20,894	0
Loan origination fees	10,638	11,328
Stock compensation	3,605	3,363
Non-accrual interest	2,351	1,724
Non-qualified deferred compensation	4,027	2,211
Other	2,544	2,517
Total deferred tax assets	88,442	65,367
Deferred tax liabilities:
Loan origination costs	(2,686)	(2,049)
Leases	(7,912)	(9,000)
Operating lease ROU assets	(19,644)	0
MSRs	(13,818)	(9,184)
Depreciation	(17,602)	(8,233)
Unrealized gain on securities	(2,379)	(138)
Other	(3,337)	(2,662)
Total deferred tax liabilities	(67,378)	(31,266)
Net deferred tax asset	$ 21,064	$ 34,101

Stock-Based Compensation and _3

Stock-Based Compensation and Employee Benefits (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employer contribution	$ 9,500,000	$ 9,600,000	$ 8,400,000
Eligible employee contribution, minimum (in percent)	1.00%
Eligible employee contribution, maximum (in percent)	10.00%
Number of shares authorized under the plan	2,550,000
Number of shares available to be issued under the plan	1,772,070
Compensation expense	$ 11,733,000
Compensation cost for all share-based arrangements, net of taxes	11,800,000	9,000,000	8,100,000
Employer discretionary contributions	$ 1,000,000	$ 1,000,000	$ 260,000
RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	386,913	95,891	121,243
Compensation expense		$ 8,803,000	$ 7,790,000
Weighted average period over which unrecognized compensation expense is expected to be recognized (in years)	3 years 1 month 2 days	2 years 10 months 24 days	3 years 1 month 24 days
SARs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 6,000	$ 121,000	$ 265,000
Weighted average remaining contractual life of SARs (in years)	2 years 1 month 20 days	2 years 5 months 8 days	3 years 4 months 6 days
Weighted average period over which unrecognized compensation expense is expected to be recognized (in years)	0 years	2 months 1 day	9 months
Cash based performance
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of cash-based performance units issued in period		138,773	121,260
Number of cash-based performance units outstanding	163,856
Cash-based compensation expense	$ 5,800,000	$ 8,000,000	$ 13,900,000
Service based
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	4 years
Minimum | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	4 years	4 years	4 years
Maximum | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	5 years	5 years	5 years
Director | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period			0
2006 ESPP
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized under the plan	400,000
Number of shares purchased under the plan	155,933	143,348	132,285

Stock-Based Compensation and _4

Stock-Based Compensation and Employee Benefits (Details 3) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Additional Information:
Compensation expense	$ 11,733,000
Unrecognized compensation expense	$ 25,305,000
SARs
SARs
RSUs outstanding at beginning of year	41,350	74,363	125,863
SARs exercised	(20,150)	(33,013)	(51,500)
RSUs outstanding at year-end	21,200	41,350	74,363
Weighted Average Exercise Price
SARs outstanding at beginning of year, weighted average exercise price	$ 29.13	$ 30.12	$ 31.68
SARs exercised, weighted average exercise price	24.07	31.35	33.94
SARs outstanding at year end, weighted average exercise price	$ 33.95	$ 29.13	$ 30.12
Additional Information:
SARs vested and exercisable at year-end	21,200	39,750	60,463
SARs vested and exercisable at year end, weighted average exercise price	$ 33.95	$ 27.81	$ 26.02
Weighted average remaining contractual life of SARs vested (in years)	2 years 1 month 20 days	2 years 3 months 29 days	2 years 9 months 25 days
Weighted average remaining contractual life of SARs (in years)	2 years 1 month 20 days	2 years 5 months 8 days	3 years 4 months 6 days
Compensation expense	$ 6,000	$ 121,000	$ 265,000
Unrecognized compensation expense	$ 0	$ 6,000	$ 127,000
Weighted average period over which unrecognized compensation expense is expected to be recognized (in years)	0 years	2 months 1 day	9 months
Fair value of shares vested during the year	$ 37,000	$ 211,000	$ 294,000
Intrinsic value of SARs exercised	$ 724,000	$ 1,919,000	$ 3,802,000

Stock-Based Compensation and _5

Stock-Based Compensation and Employee Benefits (Details 4) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Weighted- Average Grant- Date Fair Value
Compensation expense	$ 11,733,000
Unrecognized compensation expense	25,305,000
Share-Based Payment Arrangement, Nonemployee
Weighted- Average Grant- Date Fair Value
Compensation expense	$ 36,000	$ 62,000	$ 61,000
RSUs
Number of Shares
RSUs outstanding at beginning of year	349,533	423,732	425,055
Granted	386,913	95,891	121,243
RSUs exercised	(140,666)	(121,507)	(102,057)
SARs forfeited	(37,468)	(48,583)	(20,509)
RSUs outstanding at year-end	558,312	349,533	423,732
Weighted- Average Grant- Date Fair Value
Balance at beginning of year, weighted average grant-date fair value	$ 69.11	$ 60.01	$ 51.28
Granted, weighted average grant-date fair value	59.28	88.07	80.40
RSUs exercised	59.97	54.97	48.93
Forfeited, weighted average grant-date fair value	62.73	63.60	54.75
Balance at year end, weighted average grant-date fair value	$ 64.95	$ 69.11	$ 60.01
Compensation expense		$ 8,803,000	$ 7,790,000
Unrecognized compensation expense		$ 16,538,000	$ 18,730,000
Weighted average period over which unrecognized compensation expense is expected to be recognized (in years)	3 years 1 month 2 days	2 years 10 months 24 days	3 years 1 month 24 days

Financial Instruments with Of_3

Financial Instruments with Off-Balance Sheet Risk (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Beginning balance of allowance for off-balance sheet credit losses	$ 11,434	$ 9,071
Provision for off-balance sheet credit losses	(2,794)	2,363
Ending balance of allowance for off-balance sheet credit losses	8,640	11,434
Commitments to extend credit
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Off-balance sheet liability	8,066,655	8,030,198
Standby letters of credit
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Off-balance sheet liability	$ 261,405	$ 236,537

Regulatory Restrictions (Detail

Regulatory Restrictions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Regulatory Capital Requirements [Abstract]
Required reserve balance at the Federal Reserve	$ 283,400	$ 157,700
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Mortgage finance(1)	8,169,849	5,877,524
Mortgage Finance, Average Balance	7,900,000
Common Equity Tier 1 [Abstract]
CET1, actual amount	2,653,999	2,330,599
Total capital (to risk-weighted assets):
Total capital (to risk weighted assets), actual amount	3,398,345	3,074,097
Tier 1 capital (to risk-weighted assets):
Tier 1 capital (to risk-weighted assets), actual amount	2,912,529	2,589,374
Tier 1 capital (to average assets):
Tier 1 capital (to average assets), actual amount	$ 2,912,529	$ 2,589,374
Risk Based Ratios [Abstract]
CET1, actual ratio	8.88%	8.58%
Total capital (to risk weighted assets), actual ratio	11.37%	11.31%
Tier 1 capital (to risk-weighted assets), actual ratio	9.75%	9.53%
Tier 1 capital (to average assets), actual ratio	8.42%	9.87%
Bank
Common Equity Tier 1 [Abstract]
CET1, actual amount	$ 2,676,513	$ 2,340,988
CET1 to be well capitalized under prompt corrective action provisions, amount	1,941,522	1,765,915
Total capital (to risk-weighted assets):
Total capital (to risk weighted assets), actual amount	3,262,144	2,925,872
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, amount	2,986,957	2,716,793
Tier 1 capital (to risk-weighted assets):
Tier 1 capital (to risk-weighted assets), actual amount	2,835,043	2,499,763
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, amount	2,389,565	2,173,434
Tier 1 capital (to average assets):
Tier 1 capital (to average assets), actual amount	2,835,043	2,499,763
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action provisions, amount	$ 1,728,988	$ 1,311,620
Risk Based Ratios [Abstract]
CET1, actual ratio	8.96%	8.62%
CET1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
Total capital (to risk weighted assets), actual ratio	10.92%	10.77%
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, ratio	10.00%	10.00%
Tier 1 capital (to risk-weighted assets), actual ratio	9.49%	9.20%
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, ratio	8.00%	8.00%
Tier 1 capital (to average assets), actual ratio	8.20%	9.53%
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action provisions, ratio	5.00%	5.00%
Basel III, Phase-In Schedule
Common Equity Tier 1 [Abstract]
CET1 for capital adequacy purposes, amount	$ 1,344,825	$ 1,732,501
Total capital (to risk-weighted assets):
Total capital (to risk weighted assets) for capital adequacy purposes, amount	2,390,801	2,683,679
Tier 1 capital (to risk-weighted assets):
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, amount	1,793,101	2,140,149
Tier 1 capital (to average assets):
Tier 1 capital (to average assets) for capital adequacy purposes, amount	$ 1,383,640	$ 1,049,694
Risk Based Ratios [Abstract]
CET1 for capital adequacy purposes, ratio	4.50%	6.38%
Total capital (to risk weighted assets) for capital adequacy purposes, ratio	8.00%	9.88%
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, ratio	6.00%	7.88%
Tier 1 capital (to average assets) for capital adequacy purposes, ratio	4.00%	4.00%
Basel III, Phase-In Schedule | Bank
Common Equity Tier 1 [Abstract]
CET1 for capital adequacy purposes, amount	$ 1,344,131	$ 1,731,955
Total capital (to risk-weighted assets):
Total capital (to risk weighted assets) for capital adequacy purposes, amount	2,389,565	2,682,833
Tier 1 capital (to risk-weighted assets):
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, amount	1,792,174	2,139,474
Tier 1 capital (to average assets):
Tier 1 capital (to average assets) for capital adequacy purposes, amount	$ 1,383,190	$ 1,049,296
Risk Based Ratios [Abstract]
CET1 for capital adequacy purposes, ratio	4.50%	6.38%
Total capital (to risk weighted assets) for capital adequacy purposes, ratio	8.00%	9.88%
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, ratio	6.00%	7.88%
Tier 1 capital (to average assets) for capital adequacy purposes, ratio	4.00%	4.00%
Basel III, Phased-In
Common Equity Tier 1 [Abstract]
CET1 for capital adequacy purposes, amount	$ 2,091,591	$ 1,902,354
Total capital (to risk-weighted assets):
Total capital (to risk weighted assets) for capital adequacy purposes, amount	3,137,926	2,853,532
Tier 1 capital (to risk-weighted assets):
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, amount	2,540,226	2,310,002
Tier 1 capital (to average assets):
Tier 1 capital (to average assets) for capital adequacy purposes, amount	$ 1,383,640	$ 1,049,694
Risk Based Ratios [Abstract]
CET1 for capital adequacy purposes, ratio	7.00%	7.00%
Total capital (to risk weighted assets) for capital adequacy purposes, ratio	10.50%	10.50%
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, ratio	8.50%	8.50%
Tier 1 capital (to average assets) for capital adequacy purposes, ratio	4.00%	4.00%
Basel III, Phased-In | Bank
Common Equity Tier 1 [Abstract]
CET1 for capital adequacy purposes, amount	$ 2,090,870	$ 1,901,755
Total capital (to risk-weighted assets):
Total capital (to risk weighted assets) for capital adequacy purposes, amount	3,136,305	2,852,632
Tier 1 capital (to risk-weighted assets):
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, amount	2,538,913	2,309,274
Tier 1 capital (to average assets):
Tier 1 capital (to average assets) for capital adequacy purposes, amount	$ 1,383,190	$ 1,049,296
Risk Based Ratios [Abstract]
CET1 for capital adequacy purposes, ratio	7.00%	7.00%
Total capital (to risk weighted assets) for capital adequacy purposes, ratio	10.50%	10.50%
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, ratio	8.50%	8.50%
Tier 1 capital (to average assets) for capital adequacy purposes, ratio	4.00%	4.00%

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Numerator:
Net income	$ 73,917	$ 88,141	$ 77,969	$ 82,839	$ 71,891	$ 85,552	$ 71,436	$ 71,945	$ 322,866	$ 300,824	$ 197,063
Preferred stock dividends	2,437	2,438	2,437	2,438	2,437	2,438	2,437	2,438	9,750	9,750	9,750
Net income available to common stockholders	$ 71,480	$ 85,703	$ 75,532	$ 80,401	$ 69,454	$ 83,114	$ 68,999	$ 69,507	$ 313,116	$ 291,074	$ 187,313
Denominator:
Denominator for basic earnings per share—weighted average shares									50,286,300	49,936,702	49,587,169
Effect of employee stock-based awards									132,904	218,275	239,008
Effect of warrants to purchase common stock									0	117,895	433,657
Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions									50,419,204	50,272,872	50,259,834
Basic earnings per common share	$ 1.42	$ 1.70	$ 1.50	$ 1.60	$ 1.38	$ 1.66	$ 1.39	$ 1.40	$ 6.23	$ 5.83	$ 3.78
Diluted earnings per common share	$ 1.42	$ 1.70	$ 1.50	$ 1.60	$ 1.38	$ 1.65	$ 1.38	$ 1.38	$ 6.21	$ 5.79	$ 3.73
Stock options excluded from computation of EPS									86,308	27,100	13,500

Fair Value Disclosures (Details

Fair Value Disclosures (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	$ 214,257	$ 103,046
Investment securities	214,257	103,046
Loans held for sale	2,571,300	1,969,200
OREO	0	79	$ 11,742	$ 18,961
Tax-exempt asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	197,027	95,804
CRT Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	11,964
Fair value measurements, recurring basis | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0	0
Derivative assets	0	0
Derivative liabilities	0	0
Non-qualified deferred compensation plan liabilities	18,484	10,148
Fair value measurements, recurring basis | Level 1 | Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0	0
Fair value measurements, recurring basis | Level 1 | Tax-exempt asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0	0
Fair value measurements, recurring basis | Level 1 | CRT Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0
Fair value measurements, recurring basis | Level 1 | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	18,484	10,262
Fair value measurements, recurring basis | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	2,564,281	1,952,760
Derivative assets	48,684	21,806
Derivative liabilities	51,310	41,375
Non-qualified deferred compensation plan liabilities	0	0
Fair value measurements, recurring basis | Level 2 | Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	5,266	7,242
Fair value measurements, recurring basis | Level 2 | Tax-exempt asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0	0
Fair value measurements, recurring basis | Level 2 | CRT Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0
Fair value measurements, recurring basis | Level 2 | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	7,130	6,908
Fair value measurements, recurring basis | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	7,043	16,415
Derivative assets	0	0
Derivative liabilities	0	0
Non-qualified deferred compensation plan liabilities	0	0
Fair value measurements, recurring basis | Level 3 | Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0	0
Fair value measurements, recurring basis | Level 3 | Tax-exempt asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	197,027	95,804
Fair value measurements, recurring basis | Level 3 | CRT Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	11,964
Fair value measurements, recurring basis | Level 3 | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0	0
Fair value measurements, nonrecurring basis | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	0	0
OREO		0
Fair value measurements, nonrecurring basis | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	0	0
OREO		0
Fair value measurements, nonrecurring basis | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	$ 109,585	29,885
OREO		$ 79

Fair Value Disclosures (Detai_2

Fair Value Disclosures (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Tax-exempt asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at Beginning of Period	$ 95,804	$ 0
Purchases / Additions	92,010	95,521
Sales / Reductions	(4,302)	(3)
Realized	0	0
Unrealized	13,515	286
Balance at End of Period	197,027	95,804
CRT Securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at Beginning of Period	0
Purchases / Additions	15,044
Sales / Reductions	0
Realized	(331)
Unrealized	(2,749)
Balance at End of Period	11,964	0
Loans held for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at Beginning of Period	16,415	0
Purchases / Additions	321	38,430
Sales / Reductions	(10,690)	(20,591)
Realized	190	(173)
Unrealized	807	(1,251)
Balance at End of Period	$ 7,043	$ 16,415

Fair Value Disclosures (Detai_3

Fair Value Disclosures (Details 2) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Impaired loans
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Asset measured on nonrecurring basis, carrying value	$ 145,400	$ 32,200
Asset measured on nonrecurring basis, specific valuation allowance	35,800	2,300
Asset measured on nonrecurring basis, reported fair value	109,600	29,900
OREO
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Asset measured on nonrecurring basis, carrying value	$ 0	$ 79
Measurement Input, Discount Rate
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Asset-Backed Securities, Measurement Input	0.0299	0.0421
Asset-Backed Securities, Term	7 years	9 years 2 months 12 days
Loans Held-for-sale, Measurement Input	0.941	0.929
Measurement Input, Discount Rate | CRT Securities
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Asset-Backed Securities, Measurement Input	0.0454
Asset-Backed Securities, Term	9 years 3 months 18 days

Fair Value Disclosures (Detai_4

Fair Value Disclosures (Details 3) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	$ 214,257	$ 103,046
Loans held for sale	2,571,300	1,969,200
Subordinated notes	282,129	281,767
Level 1 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	18,484	10,262
Level 1 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	4,425,583	3,080,065
Investment securities	18,484	10,262
Level 2 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	12,396	14,150
Loans held for sale	2,570,091	1,953,059
Derivative assets	48,684	21,806
Federal funds purchased	132,270	629,169
Customer repurchase agreements	9,496	12,005
Other borrowings	2,400,000	3,900,000
Subordinated notes	282,129	281,767
Derivative liabilities	51,310	41,375
Level 2 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	12,396	14,150
Loans held for sale	2,570,091	1,953,059
Derivative assets	48,684	21,806
Federal funds purchased	132,270	629,169
Customer repurchase agreements	9,496	12,005
Other borrowings	2,400,000	3,900,000
Subordinated notes	292,302	283,349
Derivative liabilities	51,310	41,375
Level 3 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	208,991	95,804
Loans held for sale	7,043	16,415
Loans held for investment, net	24,451,215	22,376,552
Deposits	26,478,593	20,606,113
Trust preferred subordinated debentures	113,406	113,406
Level 3 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	208,991	95,804
Loans held for sale	7,043	16,415
Loans held for investment, net	24,478,586	22,347,876
Deposits	29,357,121	20,608,494
Trust preferred subordinated debentures	$ 113,406	$ 113,406

Parent Company Only (Details)

Parent Company Only (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Jan. 31, 2014	Sep. 21, 2012
Assets
Cash and cash equivalents	$ 4,425,583	$ 3,080,065	$ 2,905,591	$ 2,839,352
Loans held for investment (net of unearned income)	16,476,413	16,690,550
Other assets	740,051	626,614
Total assets	32,548,069	28,257,767
Liabilities and Stockholders’ Equity
Subordinated notes, net	282,129	281,767
Trust preferred subordinated debentures	113,406	113,406			$ 175,000	$ 111,000
Total liabilities	29,715,811	25,757,373
Preferred stock	150,000	150,000
Common stock	503	502
Additional paid-in capital	978,205	967,890
Retained earnings	1,694,608	1,381,492
Treasury stock	(8)	(8)
Accumulated other comprehensive income	8,950	518
Total stockholders’ equity	2,832,258	2,500,394	2,202,721	2,009,557
Total liabilities and stockholders’ equity	32,548,069	28,257,767
Texas Capital Bancshares, Inc.
Assets
Cash and cash equivalents	71,462	89,561	$ 144,635	$ 220,499
Loans held for investment (net of unearned income)	10,500	7,500
Investment in subsidiaries	2,878,330	2,534,341
Other assets	88,639	87,451
Total assets	3,048,931	2,718,853
Liabilities and Stockholders’ Equity
Other liabilities	1,768	1,471
Subordinated notes, net	108,715	108,614
Trust preferred subordinated debentures	113,406	113,406
Total liabilities	223,889	223,491
Preferred stock	150,000	150,000
Common stock	503	502
Additional paid-in capital	988,357	978,042
Retained earnings	1,677,240	1,366,308
Treasury stock	(8)	(8)
Accumulated other comprehensive income	8,950	518
Total stockholders’ equity	2,825,042	2,495,362
Total liabilities and stockholders’ equity	$ 3,048,931	$ 2,718,853

Parent Company Only (Details 1)

Parent Company Only (Details 1) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement of Earnings
Interest on loans									$ 1,284,036	$ 1,124,970	$ 846,292
Other non-interest income									45,005	26,559	15,080
Interest expense	$ 89,372	$ 102,933	$ 103,340	$ 89,947	$ 81,045	$ 69,579	$ 55,140	$ 43,569	385,592	249,333	117,971
Salaries and employee benefits									315,080	291,768	264,231
Legal and professional									53,830	42,990	29,731
Other non-interest expense									47,246	50,890	42,859
Income tax expense	16,539	23,958	21,387	22,411	19,200	22,998	18,424	19,342	84,295	79,964	128,645
Net income	73,917	88,141	77,969	82,839	71,891	85,552	71,436	71,945	322,866	300,824	197,063
Preferred stock dividends	2,437	2,438	2,437	2,438	2,437	2,438	2,437	2,438	9,750	9,750	9,750
Net income available to common stockholders	$ 71,480	$ 85,703	$ 75,532	$ 80,401	$ 69,454	$ 83,114	$ 68,999	$ 69,507	313,116	291,074	187,313
Texas Capital Bancshares, Inc.
Statement of Earnings
Interest on loans									3,401	3,398	3,271
Dividend income									10,400	10,400	10,400
Other income									151	142	108
Total income									13,952	13,940	13,779
Other non-interest income									17	7	13
Interest expense									12,342	12,031	10,908
Salaries and employee benefits									607	588	489
Legal and professional									3,093	2,020	1,700
Other non-interest expense									1,889	2,013	1,761
Total expense									17,931	16,652	14,858
Income (loss) before income taxes and equity in undistributed income of subsidiary									(3,962)	(2,705)	(1,066)
Income tax expense									(861)	(587)	(371)
Income before income taxes									(3,101)	(2,118)	(695)
Equity in undistributed income of subsidiary									323,783	300,758	194,118
Net income									320,682	298,640	193,423
Preferred stock dividends									9,750	9,750	9,750
Net income available to common stockholders									$ 310,932	$ 288,890	$ 183,673

Parent Company Only (Details 2)

Parent Company Only (Details 2) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Operating activities
Net income	$ 73,917	$ 88,141	$ 77,969	$ 82,839	$ 71,891	$ 85,552	$ 71,436	$ 71,945	$ 322,866	$ 300,824	$ 197,063
Adjustments to reconcile net income to net cash used in operating activities:
Increase in other assets									(143,617)	(123,542)	(105,720)
Increase (decrease) in other liabilities									87,884	(5,026)	10,289
Net cash (used in)/provided by operating activities									(240,268)	(679,715)	132,161
Investing Activities
Net cash used in investing activities									(2,276,077)	(1,992,746)	(3,215,745)
Financing Activities
Preferred dividends paid									(9,750)	(9,750)	(9,750)
Net other borrowings									(1,500,000)	1,100,000	800,000
Net cash provided by financing activities									3,861,863	2,846,935	3,149,823
Net increase (decrease) in cash and cash equivalents									1,345,518	174,474	66,239
Cash and cash equivalents at beginning of period				3,080,065				2,905,591	3,080,065	2,905,591	2,839,352
Cash and cash equivalents at end of period	4,425,583				3,080,065				4,425,583	3,080,065	2,905,591
Texas Capital Bancshares, Inc.
Operating activities
Net income									320,682	298,640	193,423
Adjustments to reconcile net income to net cash used in operating activities:
Equity in undistributed income of subsidiary									(323,783)	(300,758)	(194,118)
Amortization									101	101	101
Increase in other assets									(1,187)	(1,152)	(739)
Increase (decrease) in other liabilities									297	227	(40)
Net cash (used in)/provided by operating activities									(3,890)	(2,942)	(1,373)
Investing Activities
Net increase in loans held for investment									(3,000)	0	(7,500)
Investments in and advances to subsidiaries									0	(40,000)	(55,000)
Net cash used in investing activities									(3,000)	(40,000)	(62,500)
Financing Activities
Costs from issuance of stock related to stock-based awards and warrants									(1,459)	(2,382)	(2,241)
Preferred dividends paid									(9,750)	(9,750)	(9,750)
Net cash provided by financing activities									(11,209)	(12,132)	(11,991)
Net increase (decrease) in cash and cash equivalents									(18,099)	(55,074)	(75,864)
Cash and cash equivalents at beginning of period				$ 89,561				$ 144,635	89,561	144,635	220,499
Cash and cash equivalents at end of period	$ 71,462				$ 89,561				$ 71,462	$ 89,561	$ 144,635

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Related Party Transaction [Line Items]
Deposits from related parties	$ 13	$ 13.5

Derivative Financial Instrume_3

Derivative Financial Instruments (Details 1) - Non-hedging - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Estimated fair value, asset derivative	$ 48,866	$ 29,574
Estimated fair value, liability derivative	51,492	49,143
Offsetting derivative liabilities	(182)	(7,768)
Offsetting derivative assets	(182)	(7,768)
Net asset derivatives included in the consolidated balance sheets	48,684	21,806
Net liability derivatives included in the consolidated balance sheets	51,310	41,375
Interest rate contract | Loan purchase commitments
Derivative [Line Items]
Notional amount	214,012	167,984
Estimated fair value, asset derivative	1,965	1,442
Estimated fair value, liability derivative	4	6
Interest rate contract | Loan purchase commitments
Derivative [Line Items]
Notional amount	2,654,653	1,928,527
Estimated fair value, asset derivative	0	0
Estimated fair value, liability derivative	4,587	21,005
Financial institution counterparties | Commercial loan/lease | Interest rate swap
Derivative [Line Items]
Notional amount	1,548,234	1,579,328
Estimated fair value, asset derivative	182	7,978
Estimated fair value, liability derivative	46,518	16,719
Financial institution counterparties | Commercial loan/lease | Interest rate cap
Derivative [Line Items]
Notional amount	639,163	606,950
Estimated fair value, asset derivative	32	1,109
Estimated fair value, liability derivative	0	4
Financial institution counterparties | Commercial loan/lease | Foreign currency forward contracts
Derivative [Line Items]
Notional amount	2,219	39,737
Estimated fair value, asset derivative	169	2,263
Estimated fair value, liability derivative	0	59
Customer counterparties | Commercial loan/lease | Interest rate swap
Derivative [Line Items]
Notional amount	1,548,234	1,579,328
Estimated fair value, asset derivative	46,518	16,719
Estimated fair value, liability derivative	182	7,978
Customer counterparties | Commercial loan/lease | Interest rate cap
Derivative [Line Items]
Notional amount	639,163	606,950
Estimated fair value, asset derivative	0	4
Estimated fair value, liability derivative	32	1,109
Customer counterparties | Commercial loan/lease | Foreign currency forward contracts
Derivative [Line Items]
Notional amount	2,219	39,737
Estimated fair value, asset derivative	0	59
Estimated fair value, liability derivative	$ 169	$ 2,263

Derivative Financial Instrume_4

Derivative Financial Instruments Derivative Financial Instruments (Details 2) - Non-hedging - Commercial loan/lease - Interest rate swap	Dec. 31, 2019	Dec. 31, 2018
Interest rate received
Derivative [Line Items]
Weighted average fixed interest rate	3.94%	4.24%
Interest rate paid
Derivative [Line Items]
Weighted average fixed interest rate	3.26%	4.20%

Derivative Financial Instrume_5

Derivative Financial Instruments Derivative Financial Instruments (Details 3) $ in Millions	Dec. 31, 2019USD ($)instrument	Dec. 31, 2018USD ($)instrument
Derivative [Line Items]
Cash collateral pledged for derivatives	$ 56.6	$ 25.3
Risk participation agreement - participant bank
Derivative [Line Items]
Instruments held | instrument	12	13
Maximum exposure	$ 3.6	$ 1.5
Notional amount	$ 146.7	$ 149.1
Risk participation agreement - lead bank
Derivative [Line Items]
Instruments held | instrument	12	9
Notional amount	$ 145.9	$ 114.8
Non-hedging | Commercial loan/lease
Derivative [Line Items]
Credit risk exposure, net of collateral pledged, relating to derivatives	$ 48.7	$ 18.7
Non-hedging | Interest rate cap | Commercial loan/lease
Derivative [Line Items]
Weighted average fixed interest rate	3.29%	3.20%
Interest-bearing deposits
Derivative [Line Items]
Cash collateral pledged for derivatives	$ 54.3	$ 11.2
Other assets
Derivative [Line Items]
Cash collateral pledged for derivatives	$ 2.3	$ 14.1

Stockholder's Equity (Details)

Stockholder's Equity (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	Dec. 02, 2016	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Equity Distribution Agreement [Line Items]
Par value of preferred stock		$ 0.01	$ 0.01
Payments of dividends on preferred stock		$ 9,750	$ 9,750	$ 9,750
Common Stock
Equity Distribution Agreement [Line Items]
Net proceeds from issuance of stock	$ 236,400
Issuance of stock - shares	3,450
Repayments of short-term debt	$ 0

Quarterly Financial Data (Detai

Quarterly Financial Data (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Selected Quarterly Financial Information [Abstract]
Interest income	$ 337,757	$ 355,101	$ 346,893	$ 325,561	$ 321,718	$ 301,754	$ 286,852	$ 253,869	$ 1,365,312	$ 1,164,193	$ 879,299
Interest expense	89,372	102,933	103,340	89,947	81,045	69,579	55,140	43,569	385,592	249,333	117,971
Net interest income	248,385	252,168	243,553	235,614	240,673	232,175	231,712	210,300	979,720	914,860	761,328
Provision for credit losses	17,000	11,000	27,000	20,000	35,000	13,000	27,000	12,000	75,000	87,000	44,000
Net interest income after provision for credit losses	231,385	241,168	216,553	215,614	205,673	219,175	204,712	198,300	904,720	827,860	717,328
Non-interest income	17,761	20,301	24,364	30,014	15,280	25,518	17,279	19,947	92,440	78,024	74,256
Non-interest expense	158,690	149,370	141,561	140,378	129,862	136,143	132,131	126,960	589,999	525,096	465,876
Income before income taxes	90,456	112,099	99,356	105,250	91,091	108,550	89,860	91,287	407,161	380,788	325,708
Income tax expense	16,539	23,958	21,387	22,411	19,200	22,998	18,424	19,342	84,295	79,964	128,645
Net income	73,917	88,141	77,969	82,839	71,891	85,552	71,436	71,945	322,866	300,824	197,063
Preferred stock dividends	2,437	2,438	2,437	2,438	2,437	2,438	2,437	2,438	9,750	9,750	9,750
Net income available to common stockholders	$ 71,480	$ 85,703	$ 75,532	$ 80,401	$ 69,454	$ 83,114	$ 68,999	$ 69,507	$ 313,116	$ 291,074	$ 187,313
Basic earnings per share:
Basic earnings per common share	$ 1.42	$ 1.70	$ 1.50	$ 1.60	$ 1.38	$ 1.66	$ 1.39	$ 1.40	$ 6.23	$ 5.83	$ 3.78
Diluted earnings per share:
Diluted earnings per common share	$ 1.42	$ 1.70	$ 1.50	$ 1.60	$ 1.38	$ 1.65	$ 1.38	$ 1.38	$ 6.21	$ 5.79	$ 3.73

Uncategorized Items - a12312019

Label	Element	Value
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ 2,000
AOCI Attributable to Parent [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	84,000
Retained Earnings [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ (82,000)