Texas Capital Bancshares (TCBI) 10-K 9 Feb 22 2021 FY Annual report Financial data

Cover Page

Cover Page - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Feb. 08, 2022	Jun. 30, 2021
Entity Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Document Transition Report	false
Entity File Number	001-34657
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 Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 3,191,480
Entity Common Stock, Shares Outstanding		50,626,134
Entity Registrant Name	TEXAS CAPITAL BANCSHARES INC/TX
Entity Central Index Key	0001077428
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Amendment Flag	false
Common Stock
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 B Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	5.75% Non-Cumulative Perpetual Preferred Stock Series B, par value $0.01 per share
Trading Symbol	TCBIO
Security Exchange Name	NASDAQ

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2021
Audit Information [Abstract]
Auditor Name	Ernst & Young LLP
Auditor Location	Dallas, TX
Auditor Firm ID	42

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2021
Related Party Transactions [Abstract]
Related Party Transactions	Related Party TransactionsDuring 2021 and 2020, 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, all made on the same terms as the then prevailing market and credit terms extended to other customers. The Bank had approximately $10.2 million in deposits from related parties, including directors, stockholders and their affiliates at December 31, 2021 and $11.6 million at December 31, 2020.

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 180,663	$ 173,573
Interest-bearing deposits in other banks	7,765,996	9,032,807
Investment securities	3,583,808	3,196,970
Loans held for sale ($8.1 million and $239.1 million at December 2021 and 2020, respectively, at fair value)	8,123	283,165
Loans held for investment, mortgage finance	7,475,497	9,079,409
Loans held for investment (net of unearned income)	15,331,457	15,351,451
Less: Allowance for credit losses on loans	(211,866)	(254,615)
Loans held for investment, net	22,595,088	24,176,245
Mortgage servicing rights, net	0	105,424
Premises and equipment, net	20,901	24,546
Accrued interest receivable and other assets	559,897	715,699
Goodwill and intangible assets, net	17,262	17,667
Total assets	34,731,738	37,726,096
Deposits:
Non-interest-bearing	13,390,370	12,740,947
Interest-bearing	14,718,995	18,255,642
Total deposits	28,109,365	30,996,589
Accrued interest payable	7,699	11,150
Other liabilities	273,488	339,486
Federal funds purchased and repurchase agreements	2,832	111,751
Other borrowings	2,200,000	3,000,000
Long-term debt	928,738	395,896
Total liabilities	31,522,122	34,854,872
Stockholders’ equity:
Preferred stock, $.01 par value, $1,000 liquidation value: Authorized shares - 10,000,000; Issued shares - 300,000 and 6,000,000 shares issued at December 31, 2021 and 2020, respectively	300,000	150,000
Common stock, $.01 par value: Authorized shares - 100,000,000; Issued shares - 50,618,911 and 50,470,867 at December 31, 2021 and 2020, respectively	506	504
Additional paid-in capital	1,008,559	991,898
Retained earnings	1,948,274	1,713,056
Treasury stock (shares at cost: 417 at December 31, 2021 and 2020)	(8)	(8)
Accumulated other comprehensive income/(loss), net of taxes	(47,715)	15,774
Total stockholders’ equity	3,209,616	2,871,224
Total liabilities and stockholders’ equity	$ 34,731,738	$ 37,726,096

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Loans held for sale, fair value	$ 8,100,000	$ 239,100,000
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, Liquidation value	$ 1,000	$ 1,000
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	300,000	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	50,618,911	50,470,867
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, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest income
Interest and fees on loans	$ 820,532	$ 993,670	$ 1,273,547
Investment securities	42,820	17,475	8,654
Federal funds sold	1	693	1,529
Interest-bearing deposits in other banks	13,232	27,569	71,093
Total interest income	876,585	1,039,407	1,354,823
Interest expense
Deposits	65,507	146,117	293,537
Federal funds purchased	131	1,083	11,872
Other borrowings	4,482	20,923	58,393
Long-term debt	37,628	19,963	21,790
Total interest expense	107,748	188,086	385,592
Net interest income	768,837	851,321	969,231
Provision/(benefit) for credit losses	(30,000)	258,000	75,000
Net interest income after provision for credit losses	798,837	593,321	894,231
Non-interest income
Service charges on deposit accounts	18,674	11,620	11,320
Wealth management and trust fee income	13,173	9,998	8,810
Brokered loan fees	27,954	46,423	29,738
Servicing income	15,513	27,029	13,439
Investment banking and trading income	24,441	22,687	14,876
Net gain/(loss) on sale of loans held for sale	1,317	58,026	(20,259)
Other	37,158	27,198	44,444
Total non-interest income	138,230	202,981	102,368
Non-interest expense
Salaries and employee benefits	350,930	340,529	328,483
Net occupancy expense	33,232	34,955	32,989
Marketing	10,006	23,581	53,355
Legal and professional	41,152	52,132	52,460
Communications and technology	75,185	103,054	44,826
Federal Deposit Insurance Corporation (“FDIC”) insurance assessment	21,027	25,955	20,093
Servicing-related expenses	27,765	64,585	22,012
Merger-related expenses	0	17,756	1,370
Other	39,715	41,809	44,701
Total non-interest expense	599,012	704,356	600,289
Income before income taxes	338,055	91,946	396,310
Income tax expense	84,116	25,657	84,295
Net income	253,939	66,289	312,015
Preferred stock dividends	(18,721)	(9,750)	(9,750)
Net income available to common stockholders	235,218	56,539	302,265
Other comprehensive income
Change in unrealized gain/(loss) on available-for-sale debt securities, before tax	(80,366)	8,639	10,674
Income tax expense/(benefit)	(16,877)	1,815	2,242
Other comprehensive income/(loss), net of tax	(63,489)	6,824	8,432
Comprehensive income	$ 190,450	$ 73,113	$ 320,447
Basic earnings per common share
Basic earnings per common share	$ 4.65	$ 1.12	$ 6.01
Diluted earnings per common share
Diluted earnings per common share	$ 4.60	$ 1.12	$ 5.99

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Retained EarningsCumulative Effect, Period of Adoption, Adjustment	Treasury Stock	Accumulated Other Comprehensive Income	Accumulated Other Comprehensive IncomeCumulative Effect, Period of Adoption, Adjustment
Beginning balance (in shares) at Dec. 31, 2018			6,000,000	50,201,127				417
Beginning balance at Dec. 31, 2018	$ 2,480,308		$ 150,000	$ 502	$ 967,890	$ 1,361,406		$ (8)	$ 518
Comprehensive income:
Net income	312,015					312,015
Change in unrealized gain (loss) on available-for-sale securities, net of taxes	8,432								8,432
Comprehensive income	320,447
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 (in shares)				128,263
Issuance of stock related to stock-based awards	(1,459)			$ 1	(1,460)
Issuance of common stock related to warrants (in shares)				8,768
Issuance of common stock related to warrants	0			$ 0	0
Ending balance (in shares) at Dec. 31, 2019			6,000,000	50,338,158				417
Ending balance at Dec. 31, 2019	2,801,321	$ (7,154)	$ 150,000	$ 503	978,205	1,663,671	$ (7,154)	$ (8)	8,950	$ 0
Comprehensive income:
Net income	66,289					66,289
Change in unrealized gain (loss) on available-for-sale securities, net of taxes	6,824								6,824
Comprehensive income	73,113
Stock-based compensation expense recognized in earnings	15,681				15,681
Preferred stock dividends	(9,750)					(9,750)
Issuance of stock related to stock-based awards (in shares)				132,709
Issuance of stock related to stock-based awards	(1,987)			$ 1	(1,988)
Ending balance (in shares) at Dec. 31, 2020			6,000,000	50,470,867				417
Ending balance at Dec. 31, 2020	2,871,224		$ 150,000	$ 504	991,898	1,713,056		$ (8)	15,774
Comprehensive income:
Net income	253,939					253,939
Change in unrealized gain (loss) on available-for-sale securities, net of taxes	(63,489)								(63,489)
Comprehensive income	190,450
Stock-based compensation expense recognized in earnings	30,061				30,061
Issuance of preferred stock (in shares)			300,000
Issuance of preferred stock	289,723		$ 300,000		(10,277)
Preferred stock dividends	(18,721)					(18,721)
Issuance of stock related to stock-based awards (in shares)				148,044
Issuance of stock related to stock-based awards	(3,121)			$ 2	(3,123)
Redemption of preferred stock (in shares)			(6,000,000)
Redemption of preferred stock	(150,000)		$ (150,000)
Ending balance (in shares) at Dec. 31, 2021			300,000	50,618,911				417
Ending balance at Dec. 31, 2021	$ 3,209,616		$ 300,000	$ 506	$ 1,008,559	$ 1,948,274		$ (8)	$ (47,715)

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating activities
Net income	$ 253,939	$ 66,289	$ 312,015
Adjustments to reconcile net income to net cash provided by/(used in) operating activities:
Provision/(benefit) for credit losses	(30,000)	258,000	75,000
Deferred tax expense/(benefit)	(20,253)	(7,964)	10,796
Depreciation and amortization	93,406	74,925	37,267
Net (gain)/loss on sale of loans held for sale	(1,317)	(58,026)	20,259
Increase/(decrease) in valuation allowance on mortgage servicing rights	(16,448)	20,164	5,803
Stock-based compensation expense	31,326	17,441	17,604
Purchases and originations of loans held for sale	(1,413,899)	(11,366,986)	(10,183,057)
Proceeds from sales and repayments of loans held for sale	1,676,601	13,619,623	9,508,927
Changes in operating assets and liabilities:
Accrued interest receivable and other assets	154,114	10,654	(143,538)
Accrued interest payable and other liabilities	(70,154)	5,749	98,735
Net cash provided by/(used in) operating activities	657,315	2,639,869	(240,189)
Investing activities
Purchases of investment securities	(1,059,897)	(3,001,746)	(113,233)
Principal payments received on investment securities	569,931	52,609	6,185
Originations of mortgage finance loans	(167,084,439)	(216,234,122)	(138,759,289)
Proceeds from pay-offs of mortgage finance loans	168,688,351	215,324,562	136,466,964
Proceeds from sale of mortgage servicing rights	115,891	0	0
Net decrease in loans held for investment, excluding mortgage finance loans	7,076	926,176	139,868
Purchase of premises and equipment, net	(4,127)	(2,796)	(16,651)
Net cash provided by/(used in) investing activities	1,232,786	(2,935,317)	(2,276,156)
Financing activities
Net increase/(decrease) in deposits	(2,887,224)	4,517,996	5,872,480
Costs from issuance of stock related to stock-based awards and warrants	(3,121)	(1,986)	(1,459)
Net proceeds from issuance of preferred stock	289,723	0	0
Redemption of preferred stock	(150,000)	0	0
Preferred dividends paid	(18,721)	(9,750)	(9,750)
Net proceeds from issuance of long-term debt	639,440	0	0
Redemption of long-term debt	(111,000)	0	0
Net increase/(decrease) in other borrowings	(800,000)	600,000	(1,500,000)
Net decrease in federal funds purchased and repurchase agreements	(108,919)	(30,015)	(499,408)
Net cash provided by/(used in) financing activities	(3,149,822)	5,076,245	3,861,863
Net increase/(decrease) in cash and cash equivalents	(1,259,721)	4,780,797	1,345,518
Cash and cash equivalents at beginning of period	9,206,380	4,425,583	3,080,065
Cash and cash equivalents at end of period	7,946,659	9,206,380	4,425,583
Supplemental disclosures of cash flow information:
Cash paid during the period for interest	111,199	189,696	393,507
Cash paid during the period for income taxes	$ 101,101	$ 26,152	$ 89,967

Operations and Summary of Signi

Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
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. (“we,” “us,” “TCBI” or 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 the Company and its wholly owned subsidiary, Texas Capital Bank (the “Bank”). We serve the needs of commercial businesses and 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 lending products to businesses throughout the United States. In May 2021 the Bank applied to the Texas Department of Banking to convert from a national association to a Texas state-chartered bank. The application was approved during the third quarter and the conversion was effective at open of business on September 15, 2021. Effective as of the date of conversion, the Texas Department of Banking is the Bank’s primary regulator, the Federal Deposit Insurance Corporation (“FDIC”) is the Bank’s primary federal regulator, and the Board of Governors of the Federal Reserve System (“Federal Reserve”). 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. In December 2021, the Company received approval from the U.S. Securities and Exchange Commission (“SEC”) and Financial Industry Regulatory Authority (“FINRA”) for broker-dealer registration and FINRA membership of TCBI Securities, a wholly owned non-bank subsidiary of the Bank. As a result, we are establishing a policy regarding the accounting for loan syndication fees and reclassifying prior period financial statements to conform to this policy. Refer to the Revenue Recognition section of this footnote for this accounting policy. Such reclassifications are immaterial, individually and in the aggregate, to both current and all previously issued financial statements taken as a whole and have no effect on previously reported consolidated net income. December 31, 2020 December 31, 2019 ( in thousands) As Reported Adjustment As Revised As Reported Adjustment As Revised Interest and fees on loans $ 1,011,175 $ (17,505) $ 993,670 $ 1,284,036 $ (10,489) $ 1,273,547 Total interest income 1,056,912 (17,505) 1,039,407 1,365,312 (10,489) 1,354,823 Net interest income 868,826 (17,505) 851,321 979,720 (10,489) 969,231 Net interest income after provision for credit losses 610,826 (17,505) 593,321 904,720 (10,489) 894,231 Swap fees 5,182 (5,182) — 4,387 (4,387) — Investment banking and trading income — 22,687 22,687 — 14,876 14,876 Total non-interest income 185,476 17,505 202,981 91,879 10,489 102,368 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 credit 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-settled awards. Diluted earnings per common share include the dilutive effect of non-vested stock-settled awards granted using the treasury stock method. Accumulated Other Comprehensive Income/(Loss) Unrealized gains or losses on our available-for-sale debt securities, net of applicable income tax expense or benefit, are included in accumulated other comprehensive income/(loss), net (“AOCI”) in the accompanying consolidated statements of stockholders’ equity. Changes to AOCI are reported on the 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 and federal funds sold. Investment Securities Investment securities include debt securities and equity securities. Debt Securities Debt securities are classified as trading, available-for-sale or held-to-maturity. Debt securities not classified as held-to-maturity or trading are classified as available-for-sale. Management classifies securities at the time of purchase and re-assesses such designation at each balance sheet date. Trading Account Debt securities acquired for resale in anticipation of short-term market movements are classified as trading and recorded at fair value, with realized and unrealized gains and losses recognized in income. 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. Available-for-Sale Available-for-sale debt securities are recorded at fair value, with unrealized gains and losses, net of tax, reported as a separate component of AOCI. For available-for-sale debt securities in an unrealized loss position, we first assess whether we intend to sell, or it is more-likely-than-not that we will be required to sell, the securities before recovery of the amortized cost basis. If either of these criteria is met, the securities’ amortized cost basis is written down to fair value as a current period expense. If either of the above criteria is not met, we evaluate whether the decline in fair value is the result of credit losses or other factors. In making this assessment, we may consider various factors including the extent to which fair value is less than amortized cost, performance of any underlying collateral and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected are compared to the amortized cost basis of the security and any excess is recorded as an allowance for credit losses, limited to the amount by which the fair value is less than the amortized cost basis. Any impairment not recorded through an allowance for credit losses is recognized in AOCI, net of tax, as a non credit-related impairment. 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 investment securities. Realized gains and losses and declines in value judged to be other-than-temporary are included in other non-interest income on the consolidated statements of income and other comprehensive income. The cost of securities sold is based on the specific identification method. We have made a policy election to exclude accrued interest from the amortized cost basis of available-for-sale debt securities and report accrued interest separately in accrued interest and other assets on the consolidated balance sheets. Available-for-sale debt securities are placed on non-accrual status when we no longer expect to receive all contractual amounts due, which is generally at 90 days past due. Accrued interest receivable is reversed against interest income when a security is placed on non-accrual status. Accordingly, we do not recognize an allowance for credit loss against accrued interest receivable. Included in debt securities available-for-sale are credit risk transfer (“CRT”) securities. CRT securities represent unsecured obligations issued by government sponsored entities (“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. Unrealized losses recognized in AOCI for the CRT securities are primarily related to the difference between the current market rate for similar securities and the stated interest rate and are not considered to be related to credit loss events. The CRT securities are generally interest-only for an initial period of time and may be restricted from being transferred until a future date. Equity Securities Equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. Equity securities without readily determinable fair values are recorded at cost less any impairment, if any. Loans Loans Held for Sale We transitioned our mortgage correspondent aggregation (“MCA”) program to a third party in 2021. Prior to transition, we committed to purchase residential mortgage loans from independent correspondent lenders and delivered 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 GSEs. In some cases, we retained the mortgage servicing rights. Once purchased, these loans were classified as held for sale and 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 entered 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) was 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 on 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 loans held for sale and other liabilities, respectively, on 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 unearned 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. 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, an adjustment to payment terms, 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 the borrower’s financial condition has been evidenced, generally for no less than twelve months. If 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 is no longer considered a restructuring if it is in compliance with the modified terms in calendar years after the year of the restructure. A loan is considered past due when a contractually due payment has not been received by the contractual due date. We place a loan on non-accrual 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 as a reduction of current period interest income. 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 finance division. The ownership interests are purchased from unaffiliated mortgage originators who are seeking additional liquidity 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. 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 credit losses or be subject to charge-off in the event the loans become impaired. Allowance for Credit Losses On January 1, 2020, we adopted ASU 2016-13 "Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments" ("ASU 2016-13"), which uses the current expected credit loss ("CECL") model to determine the allowance for credit losses. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with ASU 2016-02 "Leases (Topic 842)" . We adopted ASU 2016-13 using the modified retrospective method for all financial assets measured at amortized cost, off-balance sheet credit exposures and net investments in leases. Results for reporting periods beginning after January 1, 2020 are presented under ASU 2016-13 while prior period amounts continue to be reported in accordance with previously applicable GAAP. Prior to January 1, 2020, the allowance for loan losses was based on incurred credit losses in accordance with accounting policies disclosed in Note 1 - Operations and Summary of Significant Accounting Policies in the accompanying notes to the consolidated financial statements included in our Annual Report on Form 10-K for the year-ended December 31, 2019. The following is our discussion of the allowance for credit losses on loans held for investment. See “ Investment Securities - Available-for-Sale ” above for discussion of the allowance for credit losses on available-for-sale debt securities. The CECL methodology recognizes lifetime expected credit losses immediately when a financial asset is originated or purchased. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of loans to present the net amount expected to be collected on the loans. Loans, or portions thereof, are charged off against the allowance when they are deemed uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Management estimates the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, credit quality, or term, as well as for changes in macroeconomic conditions, such as changes in unemployment rates, crude oil prices, property values or other relevant factors. The allowance for credit losses is comprised of reserves measured on a collective (pool) basis based on a lifetime loss-rate model when similar risk characteristics exist. Reserves on loans that do not share risk characteristics are evaluated on an individual basis. In order to determine the allowance for credit losses, all loans are assigned a credit grade. Loans graded substandard or worse and greater than $500,000 are specifically reviewed for loss potential and when deemed appropriate are assigned a reserve based on an individual evaluation. For purposes of determining the pool-basis reserve, the remainder of the portfolio, representing all loans not assigned an individual reserve, is segregated first by portfolio segment, then by product type, to recognize differing risk profiles within portfolio segments, and finally by credit grade. Each credit grade within each product type is assigned a historical loss rate. These historical loss rates are then modified to incorporate our reasonable and supportable forecast of future losses at the portfolio segment level, as well as any necessary qualitative adjustments using a Portfolio Level Qualitative Factor (“PLQF”) and/or a Portfolio Segment Level Qualitative Factor (“SLQF”). These modified historical loss rates are multiplied by the outstanding principal balance of each loan 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 on the consolidated balance sheets. The PLQF and SLQF are utilized to address factors that are not present in historical loss rates and are otherwise unaccounted for in the quantitative process. The PLQF is used to apply a qualitative adjustment across the entire portfolio of loans, while the SLQF is designed to apply a qualitative adjustment across a single portfolio segment. 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 generally use a two-year forecast period, based on a single forecast scenario or a blend of multiple forecast scenarios, using variables we believe are most relevant to each portfolio segment. For periods beyond which we are able to develop reasonable and supportable forecasts, we immediately revert to the average historical loss rate. The forecast period and scenario(s) used are reviewed on a quarterly basis and may be adjusted based on management's view of the current economic conditions and level of predictability the forecast can provide. Portfolio segments are used to pool loans with similar risk characteristics and align with our methodology for measuring expected credit losses. A summary of our primary portfolio segments is as follows: Commercial . Our commercial loan portfolio is comprised of lines of credit for working capital, term loans and leases to finance equipment and other business assets across a variety of industries. These loans are used for general corporate purposes including financing working capital, internal growth, acquisitions and business insurance premiums and are generally secured by accounts receivable, inventory, equipment and other assets of our clients’ businesses. Our commercial loan portfolio also includes consumer loans because our small portfolio of consumer loans is largely comprised of accommodation loans to individuals associated with our commercial clients. Energy . Our energy loan portfolio is primarily comprised of loans to exploration and production companies that are generally collateralized with proven reserves based on appropriate valuation standards that take into account the risk of oil and gas price volatility. The majority of this portfolio is first lien, senior secured, reserve-based lending, which we believe is the lowest-risk form of energy lending. Energy loans are impacted by commodity price volatility, as well as changes in consumer and business demand. Mortgage finance . Mortgage finance loans relate to our mortgage warehouse lending operations in which we purchase mortgage loan ownership interests from unaffiliated mortgage originators that are generally held by us for a period of less than 30 days and more typically 10-20 days before they are sold to an approved investor. Volumes fluctuate based on the level of market demand for the product and the number of days between purchase and sale of the loans, which can be affected by changes in overall market interest rates and housing demand and tend to peak at the end of each month. Mortgage finance loans are consistently underwritten based on standards established by the approved investors. Market conditions or events of default by an investor or originator could require that we repurchase the remaining interests in the mortgage loans and hold them beyond the expected 10-20 days. Real estate . Our real estate portfolio is comprised of the following types of loans: Commercial real estate (“CRE”) . Our CRE portfolio is comprised of both construction/development financing and limited term financing provided to professional real estate developers and owners/managers of commercial real estate projects and properties who have a demonstrated record of past success with similar properties. Collateral properties include office buildings, warehouse/distribution buildings, shopping centers, hotels/motels, senior living, apartment buildings and residential and commercial tract development. The primary source of repayment on these loans is expected to come from the sale, permanent financing or lease of the real property collateral. CRE loans are impacted by fluctuations in collateral values, as well as the ability of the borrower to obtain permanent financing. Residential homebuilder finance (“RBF”) . The RBF portfolio is comprised of loans made to residential builders and developers. Loans to residential builders are typically in the form of uncommitted guidance lines and are for the purpose of developing lots into single-family homes, while loans to developers are typically in the form of borrowing base lines extended for the purpose of acquiring and developing raw land into lots that can be further sold to home builders. RBF loans, if not structured and monitored correctly, can be impacted by volatility in consumer demand, as well as fluctuation in housing prices. Secured by 1-4 family . This category of loans includes both first and second lien loans made for the purpose of purchasing or constructing 1-4 family residential dwellings, as well as home equity revolving lines of credit and loans to purchase lots for future construction of 1-4 family residential dwellings. Other . The “other” category is primarily comprised of real estate loans originated through a Small Business Administration (SBA) program where repayment is partially guaranteed by the SBA, as well as other loans secured by real estate where the primary source of repayment is not expected to come from the sale or lease of the real property collateral. 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 inadequately 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 in full highly questionable and improbable. The possibility of loss is extremely high. All doubtful loans are on non-accrual. The methodology used in the estimation of the allowance, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality and forecasted economic conditions. Changes are reflected in the pool-basis allowance and in reserves assigned on an individual basis as the collectability of classified loans is evaluated with new information. As our portfolio has matured, historical loss ratios have been closely monitored. 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 our consolidated financial statements. When management determines that foreclosure is probable, and for certain collateral-dependent loans where foreclosure is not considered probable, expected credit losses are based on the estimated fair value of the collateral adjusted for selling costs, when appropriate. A loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals and modifications unless either of the following applies: management has a reasonable expectation that a loan will be restructured or the extension or renewal options are included in the borrower contract and are not unconditionally cancellable by us. We do not measure an allowance for credit losses on accrued interest receivable balances because these balances are written off in a timely manner as a reduction to interest income when loans are placed on non-accrual status as discussed above. 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 credit 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 other non-interest expense on the consolidated statements of income and other comprehensive income. Gains or losses on sale of OREO are recorded in other non-interest income on 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 serv

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2021
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 share and per share data) 2021 2020 2019 Numerator: Net income $ 253,939 $ 66,289 $ 312,015 Preferred stock dividends 18,721 9,750 9,750 Net income available to common stockholders $ 235,218 $ 56,539 $ 302,265 Denominator: Denominator for basic earnings per share—weighted average shares 50,580,660 50,430,326 50,286,300 Effect of employee stock-based awards(1) 560,314 152,653 132,904 Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions 51,140,974 50,582,979 50,419,204 Basic earnings per common share $ 4.65 $ 1.12 $ 6.01 Diluted earnings per common share $ 4.60 $ 1.12 $ 5.99 (1) SARs and RSUs outstanding of 93,945, 453,024 and 86,308 in 2021, 2020 and 2019, respectively, have not been included in diluted earnings per share because to do so would have been antidilutive for the periods presented.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment Securities Available-for-Sale Debt Securities The following is a summary of available-for-sale debt securities: (in thousands) Amortized Gross Gross Estimated December 31, 2021 U.S. government agency securities $ 125,000 $ — $ (4,056) $ 120,944 Residential mortgage-backed securities 3,288,261 156 (63,039) 3,225,378 Tax-exempt asset-backed securities 170,626 9,407 — 180,033 CRT securities 14,713 — (2,867) 11,846 Total $ 3,598,600 $ 9,563 $ (69,962) $ 3,538,201 December 31, 2020 U.S. government agency securities $ 125,000 $ 1 $ (1,412) $ 123,589 Residential mortgage-backed securities 2,818,518 11,566 (1,128) 2,828,956 Tax-exempt asset-backed securities 184,940 14,236 — 199,176 CRT securities 14,713 — (3,296) 11,417 Total $ 3,143,171 $ 25,803 $ (5,836) $ 3,163,138 (1) Excludes accrued interest receivable of $6.6 million and $6.0 million at December 31, 2021 and 2020, respectively, that is recorded in accrued interest receivable and other assets on the consolidated balance sheets. The amortized cost and estimated fair value, excluding accrued interest receivable, and weighted average yield of available-for-sale debt securities are presented below by contractual maturity: (dollars in thousands) Less Than After One After Five After Ten Total December 31, 2021 U.S. government agency securities:(1) Amortized cost $ — $ — $ 125,000 $ — $ 125,000 Estimated fair value — — 120,944 — 120,944 Weighted average yield(3) — % — % 1.13 % — % 1.13 % Residential mortgage-backed securities:(1) Amortized cost $ 48 $ 153 $ 17,324 $ 3,270,736 $ 3,288,261 Estimated fair value 53 166 16,547 3,208,612 3,225,378 Weighted average yield(3) 4.35 % 4.69 % 1.08 % 1.12 % 1.12 % Tax-exempt asset-backed securities:(1) Amortized Cost $ — $ — $ — $ 170,626 $ 170,626 Estimated fair value — — — 180,033 180,033 Weighted average yield(2)(3) — % — % — % 4.96 % 4.96 % CRT securities:(1) Amortized Cost $ — $ — $ 14,713 $ — $ 14,713 Estimated fair value — — 11,846 — 11,846 Weighted average yield(3) — % — % 0.12 % — % 0.12 % Total available-for-sale debt securities: Amortized cost $ 3,598,600 Estimated fair value $ 3,538,201 December 31, 2020 U.S. government agency securities:(1) Amortized cost $ — $ — $ 125,000 $ — $ 125,000 Estimated fair value — — 123,589 — 123,589 Weighted average yield(3) — % — % 1.13 % — % 1.13 % Residential mortgage-backed securities:(1) Amortized cost $ — $ 545 $ 17,500 $ 2,800,473 $ 2,818,518 Estimated fair value — 605 17,490 2,810,861 2,828,956 Weighted average yield(3) — % 4.58 % 1.08 % 1.25 % 1.25 % Tax-exempt asset-backed securities:(1) Amortized Cost $ — $ — $ — $ 184,940 $ 184,940 Estimated fair value — — — 199,176 199,176 Weighted average yield(2)(3) — % — % — % 4.92 % 4.92 % CRT securities:(1) Amortized Cost $ — $ — $ — $ 14,713 $ 14,713 Estimated fair value — — — 11,417 11,417 Weighted average yield(3) — % — % — % 0.15 % 0.15 % Total available-for-sale debt securities: Amortized cost $ 3,143,171 Estimated fair value $ 3,163,138 (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: Less Than 12 Months 12 Months or Longer Total (in thousands) Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss December 31, 2021 U.S. government agency securities $ 24,085 $ (915) $ 96,859 $ (3,141) $ 120,944 $ (4,056) Residential mortgage-backed securities 2,871,052 (50,721) 303,491 (12,318) 3,174,543 (63,039) CRT securities — — 11,846 (2,867) 11,846 (2,867) Total $ 2,895,137 $ (51,636) $ 412,196 $ (18,326) $ 3,307,333 $ (69,962) December 31, 2020 U.S. government agency securities $ 98,588 $ (1,412) $ — $ — $ 98,588 $ (1,412) Residential mortgage-backed securities 354,387 (1,128) — — 354,387 (1,128) CRT securities — — 11,417 (3,296) 11,417 (3,296) Total $ 452,975 $ (2,540) $ 11,417 $ (3,296) $ 464,392 $ (5,836) At December 31, 2021, we had 119 securities in an unrealized loss position, comprised of five U.S. government agency securities, 112 residential mortgage-backed securities and two CRT securities . Based upon our December 31, 2021 review of securities with unrealized losses we have determined that all losses resulted from factors not deemed credit-related. We have evaluated the near-term prospects of each securities portfolio in relation to the severity of the unrealized losses and adverse conditions related to the securities among other factors. Based on that evaluation management has determined that we have the ability and intent to hold the securities until recovery of fair value and have recorded the unrealized losses in AOCI. Available-for-sale debt securities with carrying values of approximately $22.0 million and $2.0 million were pledged to secure certain customer repurchase agreements and deposits, respectively, at December 31, 2021. The comparative amounts at December 31, 2020 were $31.7 million and $1.9 million, respectively. Equity Securities Equity securities consist of investments that qualify for consideration under the regulations implementing the Community Reinvestment Act and investments related to our non-qualified deferred compensation plan. At December 31, 2021 and December 31, 2020, we had $45.6 million and $33.8 million, respectively, in equity securities recorded at fair value. The following is a summary of unrealized and realized gains/(losses) recognized on equity securities included in other non-interest income on the consolidated statements of income and other comprehensive income: Year Ended December 31, (in thousands) 2021 2020 Net gains/(losses) recognized during the period $ 2,277 $ 2,998 Less: Realized net gains/(losses) recognized during the period on equity securities sold 1,065 1,418 Unrealized net gains/(losses) recognized during the period on equity securities still held $ 1,212 $ 1,580

Loans Held for Investment and A

Loans Held for Investment and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2021
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 Credit Losses on Loans Loans held for investment are summarized by portfolio segment as follows: December 31, (in thousands) 2021 2020 Commercial $ 9,897,561 $ 8,861,580 Energy 721,373 766,217 Mortgage finance(1) 7,475,497 9,079,409 Real estate 4,777,530 5,794,624 Gross loans held for investment(2) 22,871,961 24,501,830 Unearned income (net of direct origination costs) (65,007) (70,970) Allowance for credit losses on loans (211,866) (254,615) Total loans held for investment, net(2) $ 22,595,088 $ 24,176,245 (1) Balances at December 31, 2021 and December 31, 2020 are stated net of $1.0 billion and $1.2 billion of participations sold, respectively. (2) Excludes accrued interest receivable of $50.3 million and $56.5 million at December 31, 2021 and December 31, 2020, respectively, that is recorded in accrued interest receivable and other assets on the consolidated balance sheets. The following tables summarize our gross loans held for investment by year of origination and internally assigned credit grades: (in thousands) 2021 2020 2019 2018 2017 2016 and prior Revolving lines of credit Revolving lines of credit converted to term loans Total December 31, 2021 Commercial (1-7) Pass $ 1,133,013 $ 3,157,150 $ 546,520 $ 319,246 $ 200,478 $ 289,795 $ 3,960,706 $ 41,377 $ 9,648,285 (8) Special mention 2,650 5,277 23,129 8,697 39 5,322 5,120 7,883 58,117 (9) Substandard - accruing — 7,705 102,619 25,010 6,202 6,962 14,742 2,007 165,247 (9+) Non-accrual 736 1,191 49 12,955 1,166 6,196 3,619 — 25,912 Total commercial $ 1,136,399 $ 3,171,323 $ 672,317 $ 365,908 $ 207,885 $ 308,275 $ 3,984,187 $ 51,267 $ 9,897,561 Energy (1-7) Pass $ 71,750 $ — $ — $ 3 $ — $ 7,188 $ 577,988 $ — $ 656,929 (8) Special mention — — — — — — 27,421 — 27,421 (9) Substandard - accruing — — — — — 8,643 — — 8,643 (9+) Non-accrual — — — — — — 28,380 — 28,380 Total energy $ 71,750 $ — $ — $ 3 $ — $ 15,831 $ 633,789 $ — $ 721,373 Mortgage finance (1-7) Pass $ 289,042 $ 590,616 $ 656,445 $ 754,507 $ 332,001 $ 4,852,886 $ — $ — $ 7,475,497 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Total mortgage finance $ 289,042 $ 590,616 $ 656,445 $ 754,507 $ 332,001 $ 4,852,886 $ — $ — $ 7,475,497 Real estate CRE (1-7) Pass $ 497,462 $ 576,344 $ 600,005 $ 294,005 $ 155,252 $ 451,042 $ 73,988 $ 25,970 $ 2,674,068 (8) Special mention — — 291 8,827 20,089 26,344 — — 55,551 (9) Substandard - accruing 17,850 — — 40,900 37,393 38,188 — 2,308 136,639 (9+) Non-accrual — — — — — 198 — — 198 RBF (1-7) Pass 155,595 44,362 9,693 8,565 — 12,732 460,888 — 691,835 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Other (1-7) Pass 166,202 148,811 119,017 106,343 61,723 139,723 47,653 29,595 819,067 (8) Special mention — 7,365 — — 845 4,982 — — 13,192 (9) Substandard - accruing — 6,424 — — 16,922 20,184 — — 43,530 (9+) Non-accrual — — — — 2,641 1,450 — 13,741 17,832 Secured by 1-4 family (1-7) Pass 96,899 60,659 40,586 22,976 31,826 65,910 4,535 — 323,391 (8) Special mention — 553 — — — 291 — — 844 (9) Substandard - accruing — — — — — 1,203 — — 1,203 (9+) Non-accrual — — — — — 180 — — 180 Total real estate $ 934,008 $ 844,518 $ 769,592 $ 481,616 $ 326,691 $ 762,427 $ 587,064 $ 71,614 $ 4,777,530 Total loans held for investment $ 2,431,199 $ 4,606,457 $ 2,098,354 $ 1,602,034 $ 866,577 $ 5,939,419 $ 5,205,040 $ 122,881 $ 22,871,961 (in thousands) 2020 2019 2018 2017 2016 2015 and prior Revolving lines of credit Revolving lines of credit converted to term loans Total December 31, 2020 Commercial (1-7) Pass $ 1,259,949 $ 2,816,425 $ 543,438 $ 374,455 $ 192,060 $ 213,212 $ 3,020,353 $ 40,253 $ 8,460,145 (8) Special mention 2,664 115,015 38,751 26,423 1,983 290 19,971 22,797 227,894 (9) Substandard - accruing 15,773 15,854 18,068 32,241 15,297 19,639 22,932 1,641 141,445 (9+) Non-accrual 1,820 8,360 377 1,292 802 15,157 3,836 452 32,096 Total commercial $ 1,280,206 $ 2,955,654 $ 600,634 $ 434,411 $ 210,142 $ 248,298 $ 3,067,092 $ 65,143 $ 8,861,580 Energy (1-7) Pass $ — $ 12,020 $ 7,598 $ 26,931 $ — $ 23,750 $ 553,970 $ — $ 624,269 (8) Special mention — — — — — 13,358 76,866 — 90,224 (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — 5,705 1,972 8,009 36,038 — 51,724 Total energy $ — $ 12,020 $ 7,598 $ 32,636 $ 1,972 $ 45,117 $ 666,874 $ — $ 766,217 Mortgage finance (1-7) Pass $ 755,309 $ 1,063,641 $ 821,122 $ 483,436 $ 106,013 $ 5,849,888 $ — $ — $ 9,079,409 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Total mortgage finance $ 755,309 $ 1,063,641 $ 821,122 $ 483,436 $ 106,013 $ 5,849,888 $ — $ — $ 9,079,409 Real estate CRE (1-7) Pass $ 352,688 $ 892,831 $ 923,762 $ 444,587 $ 208,426 $ 451,283 $ 62,336 $ 61,133 $ 3,397,046 (8) Special mention 3,475 11,170 6,485 88,633 11,153 17,623 — 1,247 139,786 (9) Substandard - accruing — 327 47,708 11,601 32,645 30,766 — 15,940 138,987 (9+) Non-accrual — — — — 5,749 4,852 — — 10,601 RBF (1-7) Pass 162,397 60,077 65,271 3,727 5,888 8,483 551,703 — 857,546 (8) Special mention — 353 — — — — — — 353 (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Other (1-7) Pass 190,995 150,787 119,696 120,817 82,465 113,105 16,630 39,129 833,624 (8) Special mention — 6,700 2,240 — 1,843 7,195 — 1,018 18,996 (9) Substandard - accruing — — 2,567 14,452 3,301 14,453 — — 34,773 (9+) Non-accrual — — — 927 5,524 6,403 — 14,496 27,350 Secured by 1-4 family (1-7) Pass 58,515 63,031 46,623 54,096 72,527 31,880 4,697 — 331,369 (8) Special mention 646 — — 635 — 1,768 — — 3,049 (9) Substandard - accruing — — — 817 — 109 — — 926 (9+) Non-accrual — — — — — 218 — — 218 Total real estate $ 768,716 $ 1,185,276 $ 1,214,352 $ 740,292 $ 429,521 $ 688,138 $ 635,366 $ 132,963 $ 5,794,624 Total loans held for investment $ 2,804,231 $ 5,216,591 $ 2,643,706 $ 1,690,775 $ 747,648 $ 6,831,441 $ 4,369,332 $ 198,106 $ 24,501,830 The following table details activity in the allowance for credit losses on loans. 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 Energy Mortgage Real Total Year ended December 31, 2021 Beginning balance $ 73,061 $ 84,064 $ 4,699 $ 92,791 $ 254,615 Provision for credit losses on loans 36,733 (27,045) 1,384 (40,903) (29,831) Charge-offs 11,987 6,418 — 1,192 19,597 Recoveries 4,395 1,967 — 317 6,679 Net charge-offs (recoveries) 7,592 4,451 — 875 12,918 Ending balance $ 102,202 $ 52,568 $ 6,083 $ 51,013 $ 211,866 Year ended December 31, 2020 Beginning balance $ 102,254 $ 60,253 $ 2,265 $ 30,275 $ 195,047 Impact of CECL adoptions (15,740) 24,154 2,031 (1,860) 8,585 Provision for credit losses on loans 58,630 126,180 403 64,556 249,769 Charge-offs 73,360 133,522 — 180 207,062 Recoveries 1,277 6,999 — — 8,276 Net charge-offs (recoveries) 72,083 126,523 — 180 198,786 Ending balance $ 73,061 $ 84,064 $ 4,699 $ 92,791 $ 254,615 We recorded a negative $30.0 million provision for credit losses for the year ended December 31, 2021, compared to a $258.0 million provision for the same period of 2020. The decreased provision resulted primarily from decreases in charge-offs and criticized loans during 2021, as well as improvement in the economic outlook as the economy recovered from the impacts of the COVID-19 pandemic during 2021. We recorded $12.9 million in net charge-offs during the year ended December 31, 2021, compared to $198.8 million during the same period of 2020. Criticized loans totaled $582.9 million at December 31, 2021 and $918.4 million at December 31, 2020. A loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. There were no loans that met these criteria at December 31, 2021. The table below provides an age analysis of our loans held for investment: (in thousands) 30-59 Days 60-89 Days 90 Days or More Past Due(1) Total Past Non-accrual(2) Current Total Non-accrual With No Allowance December 31, 2021 Commercial $ 6,722 $ 15,883 $ 3,368 $ 25,973 $ 25,912 $ 9,845,676 $ 9,897,561 $ 4,303 Energy — — — — 28,380 692,993 721,373 8,857 Mortgage finance loans — — — — — 7,475,497 7,475,497 — Real estate CRE — — — — 198 2,866,258 2,866,456 — RBF — — — — — 691,835 691,835 — Other — — — — 17,832 875,789 893,621 4,805 Secured by 1-4 family 1,477 140 99 1,716 180 323,722 325,618 — Total loans held for investment $ 8,199 $ 16,023 $ 3,467 $ 27,689 $ 72,502 $ 22,771,770 $ 22,871,961 $ 17,965 (1) Loans past due 90 days and still accruing includes premium finance loans of $3.3 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. (2) As of December 31, 2021 and December 31, 2020, none of our non-accrual loans were earning interest income on a cash basis. Additionally, no interest income was recognized on non-accrual loans for the years ended December 31, 2021 and 2020. Accrued interest of $1.2 million and $1.3 million was reversed during the years ended December 31, 2021 and 2020, respectively. As of December 31, 2021 and December 31, 2020, we did not have any loans considered restructured that were not on non-accrual. Of the non-accrual loans at December 31, 2021 and 2020, $19.4 million and $45.4 million, respectively, met the criteria for restructured. These loans had no unfunded commitments at their respective balance sheet dates. We did not have any loans that were restructured during the year ended December 31, 2021. The following table details the recorded investment at December 31, 2020 of loans that were restructured during the year ended December 31, 2020 by type of modification: Extended Maturity Adjusted Payment Schedule Total (dollars in thousands) 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, 2020 Commercial 2 $ 7,390 2 $ 14,496 $ 4 $ 21,886 Energy 1 5,705 3 12,935 4 18,640 Total 3 $ 13,095 5 $ 27,431 $ 8 $ 40,526 The restructuring of these loans did not have a significant impact on our allowance for credit losses at December 31, 2021 or 2020. As of December 31, 2021 and 2020, we did not have any loans that were restructured within the last 12 months that subsequently defaulted.

Certain Transfers of Financial

Certain Transfers of Financial Assets	12 Months Ended
	Dec. 31, 2021
Transfers and Servicing [Abstract]
Certain Transfers of Financial Assets	Certain Transfers of Financial Assets On April 20, 2021, we entered into an agreement to sell our portfolio of MSRs and to transition the MCA program to a third-party. The sale was completed on June 1, 2021 and the transfer of the servicing on the underlying mortgage loans was completed on August 1, 2021. Transition activities began immediately following the execution of the agreement and were complete prior to December 31, 2021. We sold the remaining MSR balance of $1.2 million, which represented MSRs from loans sold after the cut-off date for the initial sale mentioned above. The sale of this MSR portfolio and the transfer of servicing on the underlying mortgage loans were completed on October 1, 2021, at which time all remaining MSR hedge positions were closed. The table below presents a reconciliation of the changes in loans held for sale: Year Ended December 31, (in thousands) 2021 2020 Outstanding balance(1): Beginning balance $ 281,137 $ 2,568,362 Loans purchased and originated 1,413,899 11,366,986 Payments and loans sold (1,686,567) (13,654,211) Ending balance 8,469 281,137 Fair value adjustment: Beginning balance 2,028 8,772 Increase/(decrease) to fair value (2,374) (6,744) Ending balance (346) 2,028 Loans held for sale at fair value $ 8,123 $ 283,165 (1) Includes $44.1 million of loans held for sale that are carried at lower of cost or market as of December 31, 2020 and $5.8 million as of December 31, 2019. No loans held for sale were on non-accrual as of December 31, 2021. At December 31, 2020 we had $7.0 million in non-accrual loans held for sale, comprised of one loan previously reported in loans held for investment that was transferred to loans held for sale as of December 31, 2020 and subsequently sold at carrying value. At December 31, 2021 and December 31, 2020, we had $4.0 million and $16.7 million, respectively, in loans held for sale that were 90 days or more past due. The $4.0 million in loans held for sale that were 90 days or more past due at December 31, 2021 was comprised of 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. At December 31, 2020, $3.3 million of the $16.7 million in loans held for sale that were 90 days or more past due 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 and $13.4 million were loans, pursuant to Ginnie Mae servicing guidelines, that we have the unilateral right, but not the obligation, to repurchase if defined delinquent criteria are met, and therefore must record as held for sale on our balance sheet regardless of whether the repurchase option has been exercised. Prior to the transition of the MCA program to a third party, we retained the right to service loans after they are sold, creating MSRs which were recorded as assets on our consolidated balance sheets. A summary of MSR activity is as follows: Year Ended December 31, (in thousands) 2021 2020 MSRs: Balance, beginning of year $ 131,391 $ 70,707 Capitalized servicing rights 15,990 99,678 Amortization (18,663) (38,994) Direct write-down (279) — Sales (128,439) — Balance, end of period $ — $ 131,391 Valuation allowance: Balance, beginning of year $ 25,967 $ 5,803 Increase (decrease) in valuation allowance (25,967) 20,164 Balance, end of period $ — $ 25,967 MSRs, net $ — $ 105,424 MSRs, fair value $ — $ 105,424 In connection with the servicing of these loans, we held 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 were segregated and held in separate non-interest-bearing deposit accounts at the Bank. These deposits, included in total non-interest-bearing deposits on the consolidated balance sheets, were $152.6 million at December 31, 2020. At December 31, 2020, our servicing portfolio of MSRs was comprised of residential mortgage loans with an outstanding principal balance of $13.8 billion. At December 31, 2021, our entire portfolio of MSRs had been sold. The following tables summarize the assumptions used by management to determine the fair value of MSRs and a sensitivity analysis of changes in the fair value of our MSR portfolio resulting from certain key assumptions. Based on the 2021 sales of our MSR portfolio in its entirety, only December 31, 2020 data is provided in the tables below. December 31, 2020 Average discount rates 9.09 % Expected prepayment speeds 16.37 % Weighted-average life, in years 4.9 December 31, (in thousands) 2020 50 bp adverse change in prepayment speed $ (12,203) 100 bp adverse change in prepayment speed (16,062) 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 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 $400,000 and $621,000 at December 31, 2021 and December 31, 2020, respectively, and is recorded in other liabilities on the consolidated balance sheets. $92,000 in make-whole obligation payments were made during the year ended December 31, 2021 compared to $8.4 million in 2020.

Leases

Leases	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Leases	Leases The following table presents ROU assets and leases liabilities: December 31, (in thousands) 2021 2020 ROU assets: Finance leases $ 259 $ — Operating leases 55,330 66,968 Total $ 55,589 $ 66,968 Leases liabilities Finance leases $ 259 $ — Operating leases 69,184 82,529 Total $ 69,443 $ 82,529 As of December 31, 2021, additional finance leases related to computer equipment that had not yet commenced totaled $2.6 million. These leases will commence in the first quarter of 2022. As of December 31, 2021, operating leases had remaining lease terms of generally 1 to 11 years, while finance leases had remaining terms of generally 3 years. The table below summarizes our net lease cost: Year Ended December 31, (in thousands) 2021 2020 Finance lease cost: Amortization of ROU assets $ 32 $ — Interest on lease liabilities 1 — Operating lease cost 15,608 15,544 Short-term lease cost 19 19 Variable lease cost 4,747 4,476 Sublease income (107) (107) Net lease cost $ 20,299 $ 19,932 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from finance leases $ 1 $ — Operating cash flows from operating leases 17,666 16,568 Financing cash flows from finance leases 32 — ROU assets obtained in exchange for new finance leases 291 — ROU assets obtained in exchange for new operating leases 2,109 833 The table below summarizes other information related to our operating and finance leases: December 31, 2021 2020 Weighted-average remaining lease term - finance leases, in years 2.7 — Weighted-average remaining lease term - operating leases, in years 5.9 6.5 Weighted-average discount rate - finance leases 0.77 % — % Weighted-average discount rate - operating leases 2.30 % 2.74 % The table below summarizes the maturity of remaining combined operating and finance lease liabilities as of December 31, 2021: (in thousands) Finance Leases Operating Leases Total 2022 $ 98 $ 17,168 $ 17,266 2023 98 17,205 17,303 2024 66 12,063 12,129 2025 — 5,610 5,610 2026 — 5,473 5,473 2027 and thereafter — 17,442 17,442 Total lease payments 262 74,961 75,223 Less: Interest (3) (5,777) (5,780) Present value of lease liabilities $ 259 $ 69,184 $ 69,443

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2021
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) Goodwill and Intangible Assets Accumulated Goodwill and Intangible Assets, Net December 31, 2021 Goodwill $ 15,468 $ (374) $ 15,094 Intangible assets—customer relationships and trademarks 9,006 (6,838) 2,168 Total goodwill and intangible assets $ 24,474 $ (7,212) $ 17,262 December 31, 2020 Goodwill $ 15,468 $ (374) $ 15,094 Intangible assets—customer relationships and trademarks 9,006 (6,433) 2,573 Total goodwill and intangible assets $ 24,474 $ (6,807) $ 17,667 Amortization expense related to intangible assets totaled $405,000 in 2021, $432,000 in 2020 and $471,000 in 2019. The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2021 is as follows: (in thousands) 2022 $ 405 2023 382 2024 268 2025 268 2026 268 Thereafter 577 Total $ 2,168

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and Equipment Premises and equipment are summarized as follows: December 31, (in thousands) 2021 2020 Premises $ 32,609 $ 32,231 Furniture and equipment 43,852 41,627 Total cost 76,461 73,858 Accumulated depreciation (55,560) (49,312) Total premises and equipment, net $ 20,901 $ 24,546 Depreciation and amortization expense for the above premises and equipment was approximately $8.1 million, $9.5 million and $9.2 million in 2021, 2020 and 2019, respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	Deposits Deposits are summarized as follows: December 31, (in thousands) 2021 2020 Non-interest-bearing demand deposits $ 13,390,370 $ 12,740,947 Interest-bearing deposits: Transaction 2,837,521 4,396,243 Savings 10,682,768 11,619,880 Time 1,198,706 2,239,519 Total interest-bearing deposits 14,718,995 18,255,642 Total deposits $ 28,109,365 $ 30,996,589 The scheduled maturities of interest-bearing time deposits were as follows at December 31, 2021: (in thousands) 2022 $ 1,059,975 2023 132,036 2024 3,031 2025 3,467 2026 192 2027 and after 5 Total $ 1,198,706 At December 31, 2021 and 2020, interest-bearing time deposits of greater than $250,000 were approximately $186.0 million and $375.7 million, respectively.

Short-Term and Other Borrowings

Short-Term and Other Borrowings	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Short-Term and Other Borrowings	Borrowings The following table summarizes our short-term and other borrowings: (dollars in thousands) Federal Funds Purchased Customer Repurchase Agreements FHLB Borrowings December 31, 2021 Amount outstanding at year-end $ — $ 2,832 $ 2,200,000 Interest rate at year-end — % 0.25 % 0.13 % Average balance outstanding during the year $ 88,916 $ 4,199 $ 2,306,165 Weighted-average interest rate during the year 0.15 % 0.28 % 0.19 % Maximum month-end outstanding during the year $ 302,301 $ 5,487 $ 2,600,000 December 31, 2020 Amount outstanding at year-end $ 107,600 $ 4,151 $ 3,000,000 Interest rate at year-end 0.15 % 0.35 % 0.46 % Average balance outstanding during the year $ 207,121 $ 5,563 $ 2,902,732 Weighted-average interest rate during the year 0.52 % 0.47 % 0.72 % Maximum month-end outstanding during the year $ 300,430 $ 8,314 $ 4,900,000 The following table summarizes our other borrowing capacities net of balances outstanding. As of December 31, 2021, all are scheduled to mature within one year. December 31, (in thousands) 2021 2020 FHLB borrowing capacity relating to loans $ 5,190,703 $ 7,653,317 FHLB borrowing capacity relating to securities 3,352,111 2,946,539 Total FHLB borrowing capacity(1) $ 8,542,814 $ 10,599,856 Unused federal funds lines available from commercial banks $ 892,000 $ 1,030,000 Unused Federal Reserve borrowings capacity $ 2,414,702 $ 2,179,000 Unused revolving line of credit(2) $ 75,000 $ 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 February 8, 2023. 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 2021, 2020. Periodically, based on market conditions and other factors, and subject to compliance with applicable laws and regulations and the terms of our existing indebtedness, we or the Bank may repay, repurchase, exchange or redeem outstanding indebtedness, or otherwise enter into transactions regarding our debt or capital structure. For example we and the Bank periodically evaluate and may engage in liability management transactions, including repurchases or redemptions of outstanding subordinated notes, which may be funded by the issuance of, or exchanges of, newly issued unsecured borrowings, as we seek to actively manage our debt maturity profile and interest cost.

Long-Term Debt

Long-Term Debt	12 Months Ended
	Dec. 31, 2021
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. For the year ended December 31, 2021, the combined weighted-average interest rate on the trust preferred subordinated debentures was 2.13%, compared to 2.82% for 2020. As of December 31, 2021, the details of the trust preferred subordinated debentures are summarized below: (dollars 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 + 3.35% 3 month LIBOR + 3.25% 3 month LIBOR + 1.51% 3 month LIBOR + 1.60% 3 month LIBOR + 1.71% 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. These notes were redeemed on June 21, 2021. 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. At the beginning of each of the last five years of the life of the notes, the amount that is eligible to be included in Tier 2 capital is reduced by 20% of the original amount of the notes (net of redemptions). In 2021, the amount of the notes that qualify as Tier 2 capital has been reduced by 20%. On March 9, 2021, the Bank issued and sold $275.0 million of senior unsecured credit-linked notes. The notes mature on September 30, 2024, and accrue interest at a rate equal to the higher of LIBOR plus 4.50% or 4.25%, payable quarterly on each of March 31, June 30, September 30 and December 31. For the year ended December 31, 2021, the weighted-average interest rate on the notes was 5.56%. The notes effectively transfer the risk of first losses on a $2.2 billion reference pool of the Bank’s mortgage warehouse loans to the purchasers of the notes in an amount up to $275.0 million. In the event of a failure to pay by the relevant mortgage originator, insolvency of the relevant mortgage originator, or restructuring of such loans that results in a loss on a loan included in the reference pool, the principal balance of the notes will be reduced to the extent of such loss and recognized as a debt extinguishment gain within non-interest income on our consolidated statements of income and other comprehensive income. The purchasers of the notes have the option to acquire the underlying mortgage loan collateralizing the reference warehouse line of credit in lieu of a principal reduction on the notes. Losses on our warehouse lines of credit have not generally been significant. The notes are recorded in long-term debt on our consolidated balance sheets and accounted for at amortized cost. On May 6, 2021, the Company issued and sold $375.0 million of subordinated notes. The notes mature in May 2031 and bear interest at a fixed rate of 4.00% per annum, payable semi-annually. Net proceeds from the transaction were $370.7 million providing additional capital to be used for general corporate purposes. A portion of the proceeds were also used to redeem the Company’s 6.50% fixed rate subordinated notes, as is described above. The indenture governing the notes contains customary covenants and restrictions.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Income tax expense/(benefit) consists of the following: Year ended December 31, (in thousands) 2021 2020 2019 Current: Federal $ 97,608 $ 32,701 $ 69,427 State 6,761 920 4,072 Total 104,369 33,621 73,499 Deferred: Federal (19,020) (7,964) 10,796 State (1,233) — — Total (20,253) (7,964) 10,796 Total expense: Federal 78,588 24,737 80,223 State 5,528 920 4,072 Total $ 84,116 $ 25,657 $ 84,295 The reconciliation of income tax at the U.S. federal statutory tax rate to our income tax expense and effective tax rate is as follows: Year ended December 31, 2021 2020 2019 (dollars in thousands) Amount Rate Amount Rate Amount Rate U.S. statutory rate $ 70,992 21 % $ 19,309 21 % $ 85,504 21 % State taxes 4,108 1 % 726 1 % 3,217 1 % Tax-exempt income (1,855) (1) % (3,356) (4) % (5,127) (1) % Tax credits (179) — % (1,216) (1) % (2,052) (1) % Disallowed FDIC 2,936 1 % 3,920 4 % 2,468 1 % Disallowed compensation 6,377 2 % 3,098 3 % 628 — % Other 1,737 1 % 3,176 4 % (343) — % Total $ 84,116 25 % $ 25,657 28 % $ 84,295 21 % Our 2020 effective tax rate was significantly impacted by the lower level of income before income taxes experienced in 2020. At December 31, 2021, 2020 and 2019, we had unrecognized tax benefits of $722,000, $1.1 million and $1.3 million, respectively. We are no longer subject to U.S. federal income tax examinations for years before 2018 or state and local income tax examinations for years before 2017. 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. In connection with our adoption of CECL, a $2.0 million increase to the deferred tax asset associated with our allowance for credit losses was recorded on January 1, 2020. December 31, (in thousands) 2021 2020 Deferred tax assets: Allowance for credit losses $ 51,738 $ 59,279 Operating lease liabilities 15,615 17,983 Loan origination fees 11,204 11,181 Stock compensation 4,649 3,913 Non-accrual interest 1,874 1,245 Non-qualified deferred compensation 6,705 5,795 Unrealized loss on securities 12,684 — Other 1,671 3,136 Total deferred tax assets 106,140 102,532 Deferred tax liabilities: Loan origination costs (3,110) (2,997) Leases (8,414) (8,603) Operating lease ROU assets (14,266) (16,617) MSRs — (22,566) Depreciation (10,567) (14,968) Unrealized gain on securities — (4,193) Other (3,446) (3,381) Total deferred tax liabilities (39,803) (73,325) Net deferred tax asset $ 66,337 $ 29,207

Financial Instruments with Off-

Financial Instruments with Off-Balance Sheet Risk	12 Months Ended
	Dec. 31, 2021
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: Year Ended December 31, (in thousands) 2021 2020 Beginning balance of allowance for off-balance sheet credit losses $ 17,434 $ 8,640 Impact of CECL adoption — 563 Provision for off-balance sheet credit losses (169) 8,231 Ending balance of allowance for off-balance sheet credit losses $ 17,265 $ 17,434 December 31, (in thousands) 2021 2020 Commitments to extend credit - period end balance $ 9,445,763 $ 8,530,453 Standby letters of credit - period end balance 357,672 268,894

Regulatory Restrictions

Regulatory Restrictions	12 Months Ended
	Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Restrictions	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. Additionally, the Basel III Capital Rules require that we maintain a 2.5% 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. 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. In February 2019, the federal bank regulatory agencies issued a final rule (the “2019 CECL Rule”) that revised certain capital regulations to account for changes to credit loss accounting under GAAP. The 2019 CECL Rule included a transition option that allows banking organizations to phase in, over a three-year period, the day-one adverse effects of adopting the new accounting standard related to the measurement of current expected credit losses on their regulatory capital ratios (three-year transition option). In March 2020, the federal bank regulatory agencies issued an interim final rule that maintains the three-year transition option of the 2019 CECL Rule and also provides banking organizations that were required under GAAP to implement CECL before the end of 2020 the option to delay for two years an estimate of the effect of CECL on regulatory capital, relative to the incurred loss methodology's effect on regulatory capital, followed by a three-year transition period (five-year transition option). We adopted CECL on January 1, 2020 and have elected to utilize the five-year transition option. 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, 2021, that the Company and the Bank meet all capital adequacy requirements to which they are subject. Financial institutions are categorized as well capitalized based on total risk-based, Tier 1 risk-based, CET1 and Tier 1 leverage ratios. As shown in the table below, the Company’s and Bank’s capital ratios exceeded the regulatory definition of well capitalized as of December 31, 2021 and 2020. The regulatory authorities can apply changes in classification of assets and such changes may retroactively subject the Company and the Bank 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. The ratios presented below include the effects of our election to utilize the five-year CECL transition described above. Actual Minimum Capital Required(2) Capital Required to be Well Capitalized (dollars in thousands) Capital Amount Ratio Capital Amount Ratio Capital Amount Ratio December 31, 2021 CET1 Company $ 2,949,785 11.06 % $ 1,866,444 7.00 % N/A N/A Bank 3,013,170 11.30 % 1,866,303 7.00 % 1,732,996 6.50 % Total capital (to risk-weighted assets) Company 4,085,540 15.32 % 2,799,666 10.50 % 2,666,348 10.00 % Bank 3,578,014 13.42 % 2,799,455 10.50 % 2,666,148 10.00 % Tier 1 capital (to risk-weighted assets) Company 3,359,785 12.60 % 2,266,396 8.50 % 1,599,809 6.00 % Bank 3,173,170 11.90 % 2,266,225 8.50 % 2,132,918 8.00 % Tier 1 capital (to average assets)(1) Company 3,359,785 9.01 % 1,490,902 4.00 % N/A N/A Bank 3,173,170 8.51 % 1,490,677 4.00 % 1,863,346 5.00 % December 31, 2020 CET1 Company $ 2,708,150 9.35 % $ 2,026,806 7.00 % N/A N/A Bank 2,744,211 9.48 % 2,025,417 7.00 % 1,880,745 6.50 % Total capital (to risk-weighted assets) Company 3,498,737 12.08 % 3,040,209 10.50 % 2,895,437 10.00 % Bank 3,375,983 11.67 % 3,038,126 10.50 % 2,893,453 10.00 % Tier 1 capital (to risk-weighted assets) Company 2,968,150 10.25 % 2,461,121 8.50 % 1,737,262 6.00 % Bank 2,904,211 10.04 % 2,459,435 8.50 % 2,314,763 8.00 % Tier 1 capital (to average assets)(1) Company 2,968,150 7.52 % 1,578,651 4.00 % N/A N/A Bank 2,904,211 7.36 % 1,578,207 4.00 % 1,972,758 5.00 % (1) The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve Board 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. (2) Percentages represent the minimum capital ratios plus, as applicable, the fully phased-in 2.5% CET1 capital buffer under the Basel III Capital Rules. Our mortgage finance loan volumes can increase significantly at month-end, causing a meaningful difference between ending and average balance for any period. 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 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 do not believe that the period-end balance is representative of risk characteristics that would justify higher allocations, and while we manage capital allocated to mortgage finance loans based on changing trends in average balances, we do monitor our capital allocation to confirm that all capital levels remain above well-capitalized levels. To better align the actual risk profile of this asset class to its required capital allocation, the Bank issued and sold senior unsecured credit- linked notes in the first quarter of 2021 that effectively transfer the risk of first losses on a $2.2 billion reference pool of the Bank's mortgage warehouse loans to the purchasers of the notes in an amount up to $275.0 million. The issuance of these notes decreases the required risk-weight on the $2.2 billion reference pool, which significantly improves our reported ratios. Dividends that may be paid by banks are routinely restricted by various regulatory authorities, including federal banking law requirements concerning the payment of dividends. The Basel III Capital Rules further limit the amount of dividends that may be paid by us or our Bank. No dividends were declared or paid on our common stock during 2021, 2020 or 2019. We are required to maintain reserve balances in cash and on deposit with the Federal Reserve based on a percentage of transactional deposits; however, the Federal Reserve reduced the reserve requirement ratio to zero effective March 26, 2020, therefore the total requirement was zero at both December 31, 2021 and 2020.

Stock-Based Compensation and Em

Stock-Based Compensation and Employee Benefits	12 Months Ended
	Dec. 31, 2021
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 $10.2 million, $10.3 million, and $9.5 million for the years ended December 31, 2021, 2020 and 2019, 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 $274,000 in 2021 and $1.0 million in each of 2020 and 2019. 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 on 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. Employee contributions to the ESPP were temporarily suspended throughout 2020. On January 1, 2021, the suspension was removed and employee contributions commenced. In 2006, stockholders approved the ESPP, which allocated 400,000 shares for purchase. As of December 31, 2021, 2020 and 2019, 164,033, 155,933 and 155,933 shares, respectively, 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 and may be settled in shares of common stock or paid in cash. 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”), performance awards or any combination thereof to employees and non-employee directors. A total of 2,550,000 shares are authorized for grant under the current plan. Total shares remaining available for grant under the current plan at December 31, 2021 were 764,496. 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, 2021 December 31, 2020 December 31, 2019 SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price Outstanding at beginning of year 12,400 $ 43.48 21,200 $ 33.95 41,350 $ 29.13 Exercised (9,400) 43.24 (8,800) 20.52 (20,150) 24.07 Outstanding at year-end 3,000 $ 44.20 12,400 $ 43.48 21,200 $ 33.95 Vested and exercisable at year-end 3,000 $ 44.20 12,400 $ 43.48 21,200 $ 33.95 Weighted average remaining contractual life of vested (in years) 1.66 2.26 2.14 Weighted average remaining contractual life of outstanding (in years) 1.66 2.26 2.14 Compensation expense $ — $ — $ 6,000 Unrecognized compensation expense $ — $ — $ — Fair value of shares vested during the year $ — $ — $ 37,000 Intrinsic value of exercised $ 302,000 $ 294,000 $ 724,000 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 three four December 31, 2021 December 31, 2020 December 31, 2019 RSUs Weighted RSUs Weighted RSUs Weighted Outstanding at beginning of year 955,594 $ 48.76 558,312 $ 64.95 349,533 $ 69.11 Granted 677,472 66.31 631,092 39.37 386,913 59.28 Vested (187,530) 58.82 (171,494) 65.17 (140,666) 59.97 Forfeited (238,674) 53.76 (62,316) 56.92 (37,468) 62.73 Outstanding at year-end 1,206,862 $ 56.06 955,594 $ 48.76 558,312 $ 64.95 Compensation expense $ 30,060,000 $ 15,655,000 $ 11,733,000 Unrecognized compensation expense $ 32,525,000 $ 29,146,000 $ 25,305,000 Weighted average years over which unrecognized compensation expense is expected to be recognized 2.79 2.83 3.09 From time to time the Company has made grants of restricted common stock to various non-employee directors as to which restrictions lapse ratably over a period of three years. Compensation expense for these grants was $1,000, $26,000 and $36,000 for the years ended December 31, 2021, 2020 and 2019, respectively. As of December 31, 2021, there were no remaining restrictions on any grants of restricted common stock. Total compensation cost for grants of stock-settled units was $30.1 million, $15.7 million and $11.8 million for the years ended December 31, 2021, 2020 and 2019, respectively. Cash-settled RSUs totaling 13,131 were outstanding at December 31, 2021, all of which are time-based and vest ratably over a period of four years. No grants of cash-settled RSUs were made in 2021, 2020 or 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 $1.3 million, $1.8 million and $5.8 million for the years ended December 31, 2021, 2020 and 2019, respectively.

Fair Value Disclosures

Fair Value Disclosures	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Fair Value Disclosures	Fair Value DisclosuresWe 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. See Note 1 - Operations and Summary of Significant Accounting Policies for information regarding the fair value hierarchy and a description of the methods and significant assumptions used by the Company in estimating its fair value disclosures for financial statements. Assets and liabilities measured at fair value are as follows: Fair Value Measurements Using (in thousands) Level 1 Level 2 Level 3 December 31, 2021 Available-for-sale debt securities:(1) U.S. government agency securities $ — $ 120,944 $ — Residential mortgage-backed securities — 3,225,378 — Tax-exempt asset-backed securities — — 180,033 CRT securities — — 11,846 Equity securities(1)(2) 33,589 12,018 — Loans held for sale(3) — 465 7,658 Derivative assets(5) — 37,788 — Derivative liabilities(5) — 37,788 — Non-qualified deferred compensation plan liabilities(6) 29,695 — — December 31, 2020 Available-for-sale debt securities:(1) U.S. government agency securities $ — $ 123,589 $ — Residential mortgage-backed securities — 2,828,956 — Tax-exempt asset-backed securities — — 199,176 CRT securities — — 11,417 Equity securities(1)(2) 26,593 7,239 — Loans held for sale(3) — 232,147 6,933 Loans held for investment(4) — — 21,209 Derivative assets(5) — 102,720 — Derivative liabilities(5) — 99,255 — Non-qualified deferred compensation plan liabilities(6) 26,593 — — (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 investments that qualify for consideration under the regulations implementing the 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 certain collateral-dependent loans held for investment for which a specific allocation of the allowance for credit losses is based upon the fair value of the loan’s underlying collateral. These loans held for investment are measured on a nonrecurring basis, generally annually or more often as warranted by market and economic conditions. (5) Derivative assets and liabilities are measured at fair value on a recurring basis, generally quarterly. (6) Non-qualified deferred compensation plan liabilities represent the fair value of the obligation to the employee, which generally corresponds 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, 2021 Available-for-sale debt securities:(1) Tax-exempt asset-backed securities $ 199,176 $ — $ (14,314) $ — $ (4,829) $ 180,033 CRT securities 11,417 — — — 429 11,846 Loans held for sale(2) 6,933 2,125 (1,428) 5 23 7,658 Year ended December 31, 2020 Available-for-sale debt securities:(1) Tax-exempt asset-backed securities $ 197,027 $ 8,470 $ (6,755) $ — $ 434 $ 199,176 CRT securities 11,964 — — — (547) 11,417 Loans held for sale(2) 7,043 1,472 (2,077) 248 247 6,933 (1) Unrealized gains/(losses) on available-for-sale debt securities are recorded in AOCI and relate to assets that remain outstanding at period end. 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, 2021, the discount rates utilized ranged from 2.55% to 2.66% and the weighted-average life ranged from 4.59 years to 4.63 years. On a combined amortized cost weighted-average basis a discount rate of 2.60% and a weighted-average life of 4.61 years were utilized to determine the fair value of these securities at December 31, 2021. At December 31, 2020, the combined weighted-average discount rate and weighted-average life utilized were 2.49% and 5.53 years, respectively. 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, 2021, the discount rates utilized ranged from 3.33% to 8.25% and the weighted-average life ranged from 4.75 years to 9.55 years. On a combined amortized cost weighted-average basis a discount rate of 4.97% and a weighted-average life of 6.35 years were utilized to determine the fair value of these securities at December 31, 2021. At December 31, 2020, the combined weighted-average discount rate and weighted-average life utilized were 4.36% and 7.49 years, respectively. 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, 2021, the fair value of these loans was calculated using a weighted-average discounted price of 97.8%, compared to 97.2% at December 31, 2020. Loans held for investment Certain collateral-dependent loans held for investment are reported at fair value when, based upon an individual evaluation, the specific allocation of the allowance for credit losses that is deducted from the loan's amortized cost is based upon the fair value of the loan's underlying collateral. There were no collateral-dependent loans held for investment reported at fair value at December 31, 2021. The $21.2 million fair value of loans held for investment at December 31, 2020 reported above includes impaired loans with a carrying value of $25.3 million that were reduced by specific allowance allocations totaling $4.1 million based on collateral valuations utilizing Level 3 inputs. Fair Value of Financial Instruments A summary of the carrying amounts and estimated fair values of financial instruments is as follows: December 31, 2021 December 31, 2020 (in thousands) Carrying Estimated Carrying Estimated Financial assets: Level 1 inputs: Cash and cash equivalents $ 7,946,659 $ 7,946,659 $ 9,206,380 $ 9,206,380 Investment securities 33,589 33,589 26,593 26,593 Level 2 inputs: Investment securities 3,358,340 3,358,340 2,959,784 2,959,784 Loans held for sale 465 465 232,147 232,147 Derivative assets 37,788 37,788 102,720 102,720 Level 3 inputs: Investment securities 191,879 191,879 210,593 210,593 Loans held for sale 7,658 7,658 6,933 6,933 Loans held for investment, net 22,595,088 22,631,252 24,176,245 24,233,185 Financial liabilities: Level 2 inputs: Federal funds purchased and repurchase agreements 2,832 2,832 111,751 111,751 Other borrowings 2,200,000 2,200,000 3,000,000 3,000,000 Long-term debt 928,738 952,404 395,896 405,110 Derivative liabilities 37,788 37,788 99,255 99,255 Level 3 inputs: Deposits 28,109,365 28,109,762 30,996,589 30,997,980

Parent Company Only

Parent Company Only	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Parent Company Only	Parent Company Only Summarized financial information for Texas Capital Bancshares, Inc. are as follows: Balance Sheet December 31, (in thousands) 2021 2020 Assets Cash and cash equivalents $ 438,761 $ 57,472 Loans held for investment — 7,500 Investment in subsidiaries 3,155,954 2,930,843 Other assets 91,301 89,551 Total assets $ 3,686,016 $ 3,085,366 Liabilities and Stockholders’ Equity Other liabilities $ 3,668 $ 1,320 Long-term debt 484,316 222,222 Total liabilities 487,984 223,542 Preferred stock 300,000 150,000 Common stock 506 504 Additional paid-in capital 1,018,711 1,002,050 Retained earnings 1,926,538 1,693,504 Treasury stock (8) (8) Accumulated other comprehensive income/(loss) (47,715) 15,774 Total stockholders’ equity 3,198,032 2,861,824 Total liabilities and stockholders’ equity $ 3,686,016 $ 3,085,366 Statement of Income Year ended December 31, (in thousands) 2021 2020 2019 Interest on loans $ 3,404 $ 3,402 $ 3,401 Dividend income 10,472 10,496 10,551 Other income 5 3 17 Total income 13,881 13,901 13,969 Interest expense 15,946 10,515 12,342 Salaries and employee benefits 720 725 607 Legal and professional 1,803 3,238 3,093 Other non-interest expense 4,375 4,553 1,889 Total expense 22,844 19,031 17,931 Loss before income taxes and equity in undistributed income of subsidiary (8,963) (5,130) (3,962) Income tax benefit (2,179) (1,135) (861) Loss before equity in undistributed income of subsidiary (6,784) (3,995) (3,101) Equity in undistributed income of subsidiary 258,539 68,100 312,932 Net income 251,755 64,105 309,831 Preferred stock dividends 18,721 9,750 9,750 Net income available to common stockholders $ 233,034 $ 54,355 $ 300,081 Statements of Cash Flows Year ended December 31, (in thousands) 2021 2020 2019 Operating Activities Net income $ 251,755 $ 64,105 $ 309,831 Adjustments to reconcile net income to net cash provided by/(used in) operating activities: Equity in undistributed income of subsidiary (258,539) (68,100) (312,932) Amortization 2,469 101 101 Increase in other assets (1,750) (912) (1,187) Increase (decrease) in other liabilities 2,348 (448) 297 Net cash used in operating activities (3,717) (5,254) (3,890) Investing Activities Net (increase)/decrease in loans held for investment 7,500 3,000 (3,000) Net cash provided by/(used in) investing activities 7,500 3,000 (3,000) Financing Activities Costs from issuance of stock related to stock-based awards and warrants (3,121) (1,986) (1,459) Net proceeds from issuance of preferred stock 289,723 — — Redemption of preferred stock (150,000) — — Preferred dividends paid (18,721) (9,750) (9,750) Redemption of long-term debt (111,000) — — Issuance of long-term debt 370,625 — — Net cash provided by/(used in) financing activities 377,506 (11,736) (11,209) Net increase/(decrease) in cash and cash equivalents 381,289 (13,990) (18,099) Cash and cash equivalents at beginning of year 57,472 71,462 89,561 Cash and cash equivalents at end of year $ 438,761 $ 57,472 $ 71,462

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2021
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. All derivative positions related to residential MSRs and loans held for sale were closed during the third quarter of 2021 as a result of the sale of our MSR portfolio and transition of the MCA program to a third-party. December 31, 2021 December 31, 2020 Estimated Fair Value Estimated Fair Value (in thousands) Notional Asset Derivative Liability Derivative Notional Asset Derivative Liability Derivative Non-hedging derivatives: Financial institution counterparties: Commercial loan/lease interest rate swaps $ 1,768,045 $ 3,228 $ 37,694 $ 1,922,956 $ 71 $ 96,246 Commercial loan/lease interest rate caps 191,291 94 — 565,634 34 — Foreign currency forward contracts — — — 6,667 214 78 Customer counterparties: Commercial loan/lease interest rate swaps 1,768,045 37,694 3,228 1,922,956 96,246 71 Commercial loan/lease interest rate caps 191,291 — 94 565,634 — 34 Foreign currency forward contracts — — — 6,667 78 214 Economic hedging derivatives to hedge: Residential MSRs: Interest rate swap futures — — — 320,000 474 — Forward sale commitments — — — 155,000 551 — Loans held for sale: Loan purchase commitments — — — 332,145 5,123 8 Forward sale commitments — — — 485,326 — 2,675 Gross derivatives 41,016 41,016 102,791 99,326 Offsetting derivative assets/liabilities (3,228) (3,228) (71) (71) Net derivatives included on the consolidated balance sheets $ 37,788 $ 37,788 $ 102,720 $ 99,255 The weighted-average received and paid interest rates for interest rate swaps outstanding were as follows: December 31, 2021 December 31, 2020 Received Paid Received Paid Non-hedging interest rate swaps - financial institution counterparties 1.15 % 2.65 % 1.38 % 3.14 % Non-hedging interest rate swaps - customer counterparties 2.65 % 1.15 % 3.14 % 1.38 % The weighted-average strike rate for outstanding interest rate caps was 2.54% at December 31, 2021 and 3.41% at December 31, 2020. 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 $37.8 million at December 31, 2021 and approximately $102.7 million at December 31, 2020. 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, 2021, we had $40.3 million in cash collateral pledged for these derivatives that is included in interest-bearing deposits in other banks. At December 31, 2020, we had $108.3 million in cash collateral pledged for these derivatives, of which $104.4 million was included in interest-bearing deposits and $3.9 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 seven risk participation agreements where we are a participant bank with a notional amount of $79.2 million at December 31, 2021, compared to nine risk participation agreements having a notional amount of $119.5 million at December 31, 2020. The maximum estimated exposure to these agreements, assuming 100% default by all obligors, was approximately $2.3 million at December 31, 2021 and $6.0 million at December 31, 2020. The fair value of these exposures was insignificant to the consolidated financial statements at both December 31, 2021 and December 31, 2020. 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 15 risk participation agreements where we are the lead bank having a notional amount of $156.1 million at December 31, 2021, compared to 16 agreements having a notional amount of $165.9 million at December 31, 2020.

Material Transactions Affecting

Material Transactions Affecting Stockholders' Equity	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity Note [Abstract]
Material Transactions Affecting Stockholders' Equity	Material Transactions Affecting Stockholders’ EquityOn March 3, 2021, we completed an issuance of 5.75% fixed rate non-cumulative perpetual preferred stock, Series B, with a liquidation preference of $1,000 per share (equivalent to $25 per depositary share) (the “Series B Preferred Stock”) and an issuance and sale of 12,000,000 depositary shares, each representing a 1/40th interest in a share of the Series B Preferred Stock. Dividends on the Series B Preferred Stock are not cumulative and will be paid when declared by our board of directors to the extent that we have legally available funds to pay dividends. If declared, dividends will accrue and be payable quarterly, in arrears, on the liquidation preference amount, on a non-cumulative basis, at a rate of 5.75% per annum. Holders of preferred stock will not have voting rights, except with respect to certain changes in the terms of the preferred stock, certain dividend non-payments and as otherwise required by applicable law. Net proceeds from the sale totaled $289.7 million, providing additional capital to be used for general corporate purposes. A portion of the proceeds were also used to redeem, in whole, our 6.50% non-cumulative perpetual preferred stock Series A, par value $0.01 per share, in accordance with its terms. The redemption of the Series A preferred stock occurred on June 15, 2021.

Quarterly Financial Data

Quarterly Financial Data	12 Months Ended
	Dec. 31, 2021
Selected Quarterly Financial Information [Abstract]
Quarterly Financial Information	Quarterly Financial Data (unaudited) The tables below summarize our quarterly financial information: 2021 Selected Quarterly Financial Data (in thousands except per share data) Fourth Third Second First Interest income $ 219,892 $ 216,589 $ 216,953 $ 223,151 Interest expense 25,860 26,053 27,496 28,339 Net interest income 194,032 190,536 189,457 194,812 Provision for credit losses (10,000) 5,000 (19,000) (6,000) Net interest income after provision for credit losses 204,032 185,536 208,457 200,812 Non-interest income 31,459 24,779 37,639 44,353 Non-interest expense 146,649 152,987 149,060 150,316 Income before income taxes 88,842 57,328 97,036 94,849 Income tax expense 23,712 13,938 23,555 22,911 Net income 65,130 43,390 73,481 71,938 Preferred stock dividends 4,313 4,312 6,317 3,779 Net income available to common stockholders $ 60,817 $ 39,078 $ 67,164 $ 68,159 Basic earnings per share: $ 1.20 $ 0.76 $ 1.31 $ 1.33 Diluted earnings per share: $ 1.19 $ 0.76 $ 1.31 $ 1.33 2020 Selected Quarterly Financial Data (in thousands except per share data) Fourth Third Second First Interest income $ 245,348 $ 241,554 $ 248,648 $ 303,857 Interest expense 32,153 36,162 42,082 77,689 Net interest income 213,195 205,392 206,566 226,168 Provision for credit losses 32,000 30,000 100,000 96,000 Net interest income after provision for credit losses 181,195 175,392 106,566 130,168 Non-interest income 52,678 62,525 73,847 13,931 Non-interest expense 150,863 165,741 222,335 165,417 Income/(loss) before income taxes 83,010 72,176 (41,922) (21,318) Income tax expense/(benefit) 22,834 15,060 (7,606) (4,631) Net income/(loss) 60,176 57,116 (34,316) (16,687) Preferred stock dividends 2,437 2,438 2,437 2,438 Net income/(loss) available to common stockholders $ 57,739 $ 54,678 $ (36,753) $ (19,125) Basic earnings/(loss) per share: $ 1.14 $ 1.08 $ (0.73) $ (0.38) Diluted earnings/(loss) per share: $ 1.14 $ 1.08 $ (0.73) $ (0.38)

New Accounting Standards

New Accounting Standards	12 Months Ended
	Dec. 31, 2021
Accounting Standards Update and Change in Accounting Principle [Abstract]
New Accounting Standards	New Accounting Standards ASU 2020-04, “ Reference Rate Reform (Topic 848)” (“ASU 2020-04”) provides optional expedients and exceptions for applying GAAP to loan and lease agreements, derivative contracts, and other transactions affected by the anticipated transition away from LIBOR toward new interest rate benchmarks. For transactions that are modified because of reference rate reform and that meet certain scope guidance (i) modifications of loan agreements should be accounted for by prospectively adjusting the effective interest rate and the modification will be considered “minor” so that any existing unamortized origination fees/costs would carry forward and continue to be amortized and (ii) modifications of lease agreements should be accounted for as a continuation of the existing agreement with no reassessments of the lease classification and the discount rate or remeasurements of lease payments that otherwise would be required for modifications not accounted for as separate contracts. ASU 2020-04 also provides numerous optional expedients for derivative accounting. ASU 2020-04 is effective March 12, 2020 through December 31, 2022. An entity may elect to apply ASU 2020-04 for contract modifications as of January 1, 2020, or prospectively from a date within an interim period that includes or is subsequent to March 12, 2020, up to the date that the financial statements are available to be issued. Once elected for a Topic or an Industry Subtopic within the Codification, the amendments in this ASU must be applied prospectively for all eligible contract modifications for that Topic or Industry Subtopic. We anticipate this ASU will simplify any modifications we execute between the selected start date and December 31, 2022 that are directly related to LIBOR transition by allowing prospective recognition of the continuation of the contract, rather than extinguishment of the old contract resulting in writing off unamortized fees/costs. The adoption of this ASU did not significantly impact our consolidated financial statements.

Operations and Summary of Sig_2

Operations and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Organization and Nature of Business	Organization and Nature of Business Texas Capital Bancshares, Inc. (“we,” “us,” “TCBI” or 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 the Company and its wholly owned subsidiary, Texas Capital Bank (the “Bank”). We serve the needs of commercial businesses and 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 lending products to businesses throughout the United States. In May 2021 the Bank applied to the Texas Department of Banking to convert from a national association to a Texas state-chartered bank. The application was approved during the third quarter and the conversion was effective at open of business on September 15, 2021. Effective as of the date of conversion, the Texas Department of Banking is the Bank’s primary regulator, the Federal Deposit Insurance Corporation (“FDIC”) is the Bank’s primary federal regulator, and the Board of Governors of the Federal Reserve System (“Federal Reserve”).
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. In December 2021, the Company received approval from the U.S. Securities and Exchange Commission (“SEC”) and Financial Industry Regulatory Authority (“FINRA”) for broker-dealer registration and FINRA membership of TCBI Securities, a wholly owned non-bank subsidiary of the Bank. As a result, we are establishing a policy regarding the accounting for loan syndication fees and reclassifying prior period financial statements to conform to this policy. Refer to the Revenue Recognition section of this footnote for this accounting policy. Such reclassifications are immaterial, individually and in the aggregate, to both current and all previously issued financial statements taken as a whole and have no effect on previously reported consolidated net income. December 31, 2020 December 31, 2019 ( in thousands) As Reported Adjustment As Revised As Reported Adjustment As Revised Interest and fees on loans $ 1,011,175 $ (17,505) $ 993,670 $ 1,284,036 $ (10,489) $ 1,273,547 Total interest income 1,056,912 (17,505) 1,039,407 1,365,312 (10,489) 1,354,823 Net interest income 868,826 (17,505) 851,321 979,720 (10,489) 969,231 Net interest income after provision for credit losses 610,826 (17,505) 593,321 904,720 (10,489) 894,231 Swap fees 5,182 (5,182) — 4,387 (4,387) — Investment banking and trading income — 22,687 22,687 — 14,876 14,876 Total non-interest income 185,476 17,505 202,981 91,879 10,489 102,368
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 credit 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-settled awards. Diluted earnings per common share include the dilutive effect of non-vested stock-settled awards granted using the treasury stock method.
Accumulated Other Comprehensive Income	Accumulated Other Comprehensive Income/(Loss) Unrealized gains or losses on our available-for-sale debt securities, net of applicable income tax expense or benefit, are included in accumulated other comprehensive income/(loss), net (“AOCI”) in the accompanying consolidated statements of stockholders’ equity. Changes to AOCI are reported on the 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 and federal funds sold.
Investment Securities	Investment Securities Investment securities include debt securities and equity securities. Debt Securities Debt securities are classified as trading, available-for-sale or held-to-maturity. Debt securities not classified as held-to-maturity or trading are classified as available-for-sale. Management classifies securities at the time of purchase and re-assesses such designation at each balance sheet date. Trading Account Debt securities acquired for resale in anticipation of short-term market movements are classified as trading and recorded at fair value, with realized and unrealized gains and losses recognized in income. 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. Available-for-Sale Available-for-sale debt securities are recorded at fair value, with unrealized gains and losses, net of tax, reported as a separate component of AOCI. For available-for-sale debt securities in an unrealized loss position, we first assess whether we intend to sell, or it is more-likely-than-not that we will be required to sell, the securities before recovery of the amortized cost basis. If either of these criteria is met, the securities’ amortized cost basis is written down to fair value as a current period expense. If either of the above criteria is not met, we evaluate whether the decline in fair value is the result of credit losses or other factors. In making this assessment, we may consider various factors including the extent to which fair value is less than amortized cost, performance of any underlying collateral and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected are compared to the amortized cost basis of the security and any excess is recorded as an allowance for credit losses, limited to the amount by which the fair value is less than the amortized cost basis. Any impairment not recorded through an allowance for credit losses is recognized in AOCI, net of tax, as a non credit-related impairment. 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 investment securities. Realized gains and losses and declines in value judged to be other-than-temporary are included in other non-interest income on the consolidated statements of income and other comprehensive income. The cost of securities sold is based on the specific identification method. We have made a policy election to exclude accrued interest from the amortized cost basis of available-for-sale debt securities and report accrued interest separately in accrued interest and other assets on the consolidated balance sheets. Available-for-sale debt securities are placed on non-accrual status when we no longer expect to receive all contractual amounts due, which is generally at 90 days past due. Accrued interest receivable is reversed against interest income when a security is placed on non-accrual status. Accordingly, we do not recognize an allowance for credit loss against accrued interest receivable. Included in debt securities available-for-sale are credit risk transfer (“CRT”) securities. CRT securities represent unsecured obligations issued by government sponsored entities (“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. Unrealized losses recognized in AOCI for the CRT securities are primarily related to the difference between the current market rate for similar securities and the stated interest rate and are not considered to be related to credit loss events. The CRT securities are generally interest-only for an initial period of time and may be restricted from being transferred until a future date. Equity Securities Equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. Equity securities without readily determinable fair values are recorded at cost less any impairment, if any.
Loans	Loans Loans Held for Sale We transitioned our mortgage correspondent aggregation (“MCA”) program to a third party in 2021. Prior to transition, we committed to purchase residential mortgage loans from independent correspondent lenders and delivered 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 GSEs. In some cases, we retained the mortgage servicing rights. Once purchased, these loans were classified as held for sale and 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 entered 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) was 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 on 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 loans held for sale and other liabilities, respectively, on 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 unearned 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. 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, an adjustment to payment terms, 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 the borrower’s financial condition has been evidenced, generally for no less than twelve months. If 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 is no longer considered a restructuring if it is in compliance with the modified terms in calendar years after the year of the restructure. A loan is considered past due when a contractually due payment has not been received by the contractual due date. We place a loan on non-accrual 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 as a reduction of current period interest income. 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 finance division. The ownership interests are purchased from unaffiliated mortgage originators who are seeking additional liquidity 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. 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 credit losses or be subject to charge-off in the event the loans become impaired.
Allowance for Loan Losses	Allowance for Credit Losses On January 1, 2020, we adopted ASU 2016-13 "Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments" ("ASU 2016-13"), which uses the current expected credit loss ("CECL") model to determine the allowance for credit losses. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with ASU 2016-02 "Leases (Topic 842)" . We adopted ASU 2016-13 using the modified retrospective method for all financial assets measured at amortized cost, off-balance sheet credit exposures and net investments in leases. Results for reporting periods beginning after January 1, 2020 are presented under ASU 2016-13 while prior period amounts continue to be reported in accordance with previously applicable GAAP. Prior to January 1, 2020, the allowance for loan losses was based on incurred credit losses in accordance with accounting policies disclosed in Note 1 - Operations and Summary of Significant Accounting Policies in the accompanying notes to the consolidated financial statements included in our Annual Report on Form 10-K for the year-ended December 31, 2019. The following is our discussion of the allowance for credit losses on loans held for investment. See “ Investment Securities - Available-for-Sale ” above for discussion of the allowance for credit losses on available-for-sale debt securities. The CECL methodology recognizes lifetime expected credit losses immediately when a financial asset is originated or purchased. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of loans to present the net amount expected to be collected on the loans. Loans, or portions thereof, are charged off against the allowance when they are deemed uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Management estimates the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, credit quality, or term, as well as for changes in macroeconomic conditions, such as changes in unemployment rates, crude oil prices, property values or other relevant factors. The allowance for credit losses is comprised of reserves measured on a collective (pool) basis based on a lifetime loss-rate model when similar risk characteristics exist. Reserves on loans that do not share risk characteristics are evaluated on an individual basis. In order to determine the allowance for credit losses, all loans are assigned a credit grade. Loans graded substandard or worse and greater than $500,000 are specifically reviewed for loss potential and when deemed appropriate are assigned a reserve based on an individual evaluation. For purposes of determining the pool-basis reserve, the remainder of the portfolio, representing all loans not assigned an individual reserve, is segregated first by portfolio segment, then by product type, to recognize differing risk profiles within portfolio segments, and finally by credit grade. Each credit grade within each product type is assigned a historical loss rate. These historical loss rates are then modified to incorporate our reasonable and supportable forecast of future losses at the portfolio segment level, as well as any necessary qualitative adjustments using a Portfolio Level Qualitative Factor (“PLQF”) and/or a Portfolio Segment Level Qualitative Factor (“SLQF”). These modified historical loss rates are multiplied by the outstanding principal balance of each loan 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 on the consolidated balance sheets. The PLQF and SLQF are utilized to address factors that are not present in historical loss rates and are otherwise unaccounted for in the quantitative process. The PLQF is used to apply a qualitative adjustment across the entire portfolio of loans, while the SLQF is designed to apply a qualitative adjustment across a single portfolio segment. 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 generally use a two-year forecast period, based on a single forecast scenario or a blend of multiple forecast scenarios, using variables we believe are most relevant to each portfolio segment. For periods beyond which we are able to develop reasonable and supportable forecasts, we immediately revert to the average historical loss rate. The forecast period and scenario(s) used are reviewed on a quarterly basis and may be adjusted based on management's view of the current economic conditions and level of predictability the forecast can provide. Portfolio segments are used to pool loans with similar risk characteristics and align with our methodology for measuring expected credit losses. A summary of our primary portfolio segments is as follows: Commercial . Our commercial loan portfolio is comprised of lines of credit for working capital, term loans and leases to finance equipment and other business assets across a variety of industries. These loans are used for general corporate purposes including financing working capital, internal growth, acquisitions and business insurance premiums and are generally secured by accounts receivable, inventory, equipment and other assets of our clients’ businesses. Our commercial loan portfolio also includes consumer loans because our small portfolio of consumer loans is largely comprised of accommodation loans to individuals associated with our commercial clients. Energy . Our energy loan portfolio is primarily comprised of loans to exploration and production companies that are generally collateralized with proven reserves based on appropriate valuation standards that take into account the risk of oil and gas price volatility. The majority of this portfolio is first lien, senior secured, reserve-based lending, which we believe is the lowest-risk form of energy lending. Energy loans are impacted by commodity price volatility, as well as changes in consumer and business demand. Mortgage finance . Mortgage finance loans relate to our mortgage warehouse lending operations in which we purchase mortgage loan ownership interests from unaffiliated mortgage originators that are generally held by us for a period of less than 30 days and more typically 10-20 days before they are sold to an approved investor. Volumes fluctuate based on the level of market demand for the product and the number of days between purchase and sale of the loans, which can be affected by changes in overall market interest rates and housing demand and tend to peak at the end of each month. Mortgage finance loans are consistently underwritten based on standards established by the approved investors. Market conditions or events of default by an investor or originator could require that we repurchase the remaining interests in the mortgage loans and hold them beyond the expected 10-20 days. Real estate . Our real estate portfolio is comprised of the following types of loans: Commercial real estate (“CRE”) . Our CRE portfolio is comprised of both construction/development financing and limited term financing provided to professional real estate developers and owners/managers of commercial real estate projects and properties who have a demonstrated record of past success with similar properties. Collateral properties include office buildings, warehouse/distribution buildings, shopping centers, hotels/motels, senior living, apartment buildings and residential and commercial tract development. The primary source of repayment on these loans is expected to come from the sale, permanent financing or lease of the real property collateral. CRE loans are impacted by fluctuations in collateral values, as well as the ability of the borrower to obtain permanent financing. Residential homebuilder finance (“RBF”) . The RBF portfolio is comprised of loans made to residential builders and developers. Loans to residential builders are typically in the form of uncommitted guidance lines and are for the purpose of developing lots into single-family homes, while loans to developers are typically in the form of borrowing base lines extended for the purpose of acquiring and developing raw land into lots that can be further sold to home builders. RBF loans, if not structured and monitored correctly, can be impacted by volatility in consumer demand, as well as fluctuation in housing prices. Secured by 1-4 family . This category of loans includes both first and second lien loans made for the purpose of purchasing or constructing 1-4 family residential dwellings, as well as home equity revolving lines of credit and loans to purchase lots for future construction of 1-4 family residential dwellings. Other . The “other” category is primarily comprised of real estate loans originated through a Small Business Administration (SBA) program where repayment is partially guaranteed by the SBA, as well as other loans secured by real estate where the primary source of repayment is not expected to come from the sale or lease of the real property collateral. 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 inadequately 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 in full highly questionable and improbable. The possibility of loss is extremely high. All doubtful loans are on non-accrual. The methodology used in the estimation of the allowance, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality and forecasted economic conditions. Changes are reflected in the pool-basis allowance and in reserves assigned on an individual basis as the collectability of classified loans is evaluated with new information. As our portfolio has matured, historical loss ratios have been closely monitored. 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 our consolidated financial statements. When management determines that foreclosure is probable, and for certain collateral-dependent loans where foreclosure is not considered probable, expected credit losses are based on the estimated fair value of the collateral adjusted for selling costs, when appropriate. A loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals and modifications unless either of the following applies: management has a reasonable expectation that a loan will be restructured or the extension or renewal options are included in the borrower contract and are not unconditionally cancellable by us. We do not measure an allowance for credit losses on accrued interest receivable balances because these balances are written off in a timely manner as a reduction to interest income when loans are placed on non-accrual status as discussed above.
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 credit 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 other non-interest expense on the consolidated statements of income and other comprehensive income. Gains or losses on sale of OREO are recorded in other non-interest income on 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. From time to time we may sell MSRs. Gain/(loss) from the sale of MSRs is calculated as the difference between the amortized cost of the sold MSRs, adjusted for any valuation allowance, compared to the sales price. 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, gain/(loss) on the sale of MSRs and servicing related expenses are recorded in servicing-related expenses on the consolidated statements of income and other comprehensive income. 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.
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 and amortization. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. Furniture and equipment is generally depreciated over three
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
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 on 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. Commitments to extend credit do not include our mortgage finance arrangements with mortgage loan originators through our mortgage warehouse lending division, which are established as uncommitted “guidance” purchase and sale facilities under which the mortgage originator has no obligation to offer and we have no obligation to purchase interests in the mortgage loans subject to the arrangements. 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, repurchase and make-whole 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.
Leases	Leases Right of use (“ROU”) assets represent our right to use an underlying asset during the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. Lease agreements may contain extension options which typically provide for an extension of a lease term 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. Our operating leases relate primarily to real estate used for corporate offices and bank branches and our finance leases relate primarily to equipment. We do not separate lease and non-lease components for our real estate leases. For those leases with a term greater than one year, ROU assets and 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 date the lease is executed and signed, 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. Operating leases in which we are the lessee are recorded as operating lease ROU assets and operating lease liabilities, and are 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 on the consolidated statements of income and other comprehensive income. Finance leases in which we are the lessee are recorded as finance lease ROU assets and finance lease liabilities and are included in premises and equipment, net, and other liabilities, respectively, on our consolidated balance sheets. Finance lease expense is comprised of amortization of the ROU asset, which is recognized on a straight-line basis over the lease term and recorded in net occupancy expense on the consolidated statements of income and other comprehensive income, and the implicit interest accreted on the operating lease liability, which is recognized using the effective interest method over the lease term and recorded in interest expense on the consolidated statements of income and other comprehensive income.
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 stop payment). Payments for these activities 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. These fees are typically paid to us on a quarterly basis and recognized ratably throughout the quarter as our performance obligation is satisfied each month. • 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. • Investment banking and trading income - these include fees for merger, acquisition, divestiture and restructuring advisory services, fees for securities underwriting activities, loan syndication fees, and swap fees. Advisory fees are generally earned as performance obligations of the advisory service are satisfied. Underwriting fees are generally recognized upon execution of the client’s issuance of debt or equity instruments. Loan syndication fees are generally recognized upon closing of a loan syndication transaction. • Other non-interest income 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. Also included in other-non-interest income are interchange fees earned when our commercial credit card clients process transactions through card networks. Our performance obligations are generally complete when the transactions generating the fees are processed.
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 on the consolidated statements of income and other comprehensive income based on their fair values on the measurement date, which is generally 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. Deferred tax assets, net, are included in other assets on the consolidated balance sheets. 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). Unrecognized tax benefits for the uncertain portion of recorded tax benefits and related interest may result from the application of complex tax laws, rules, regulations and interpretations. Unrecognized tax benefits, as well as estimated penalties and interest, are assessed quarterly and may be adjusted through current income tax expense in future periods based on changing facts and circumstances, completion of examinations by taxing authorities or expiration of a statute of limitations.
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. 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. Also required are disclosures 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. The disclosure of fair value information about financial instruments does not and is not intended to represent the fair value of the Company. The following are descriptions of the methods and significant assumptions used by the Company in estimating its fair value disclosures for financial instruments: Cash and Cash Equivalents, Variable Rate Loans, and Variable Rate Debt The fair value of these financial instruments approximates carrying value. Investment Securities Within the investment securities portfolio, we hold equity securities that consist of investments that qualify for consideration under the regulations implementing the Community Reinvestment Act and investments related to our non-qualified deferred compensation plan. Some of these equity securities 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 and others are traded in less active markets and are classified as Level 2 assets in the fair value hierarchy. The fair value of our U.S. government agency and residential mortgage-backed securities 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 obtain documentation from our primary pricing service regarding their processes and controls applicable to pricing investment securities, and on a quarterly basis 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 The 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. Derivative Assets and Liabilities 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 sale 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 sale 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. The derivative instruments related to our residential MSRs include interest rate swap futures and forward sale commitments. The interest rate swap futures are valued based on quoted market prices obtained from brokers for similar derivative contracts, while the forward sale commitments are valued based on the fair value of the underlying mortgage loans to be purchased, which is based on observable market data for similar loans. As such, these derivative instruments are characterized as Level 2 assets and liabilities in the fair value hierarchy.
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 on 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 designated 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. Prior to the transition of our MCA program to a third party in 2021, we entered 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 or to deliver mortgage-backed securities at a future date. The objective of these transactions was to mitigate our exposure to interest rate risk associated with the purchase of mortgage loans held for sale. Any changes in fair value were recorded in gain/(loss) on sale of loans held for sale on the consolidated statements of income and other comprehensive income. Prior to the sale of our portfolio of MSRs to a third party in 2021, we entered into interest rate derivative contracts, primarily interest rate swap futures and forward sale commitments of mortgage-backed securities, in order to mitigate exposure to potential impairment losses from adverse changes in the fair value of our residential MSR portfolio. These derivative instruments were considered highly liquid and could be settled daily, which allowed us to dynamically manage our exposure. The derivative instruments were used to economically hedge the fair value of the residential MSR portfolio impacted by changes in anticipated prepayments resulting from mortgage interest rate movements and were classified as other assets and other liabilities on the consolidated balance sheets. Any unrealized or realized gains/(losses) related to derivatives economically hedging the residential MSR portfolio were recognized in servicing-related expenses along with changes to the MSR valuation allowance.
Segment Reporting	Segment Reporting We have determined that all of our lending divisions and subsidiaries meet the aggregation criteria of ASC 280, Segment Reporting , as our current operating model is structured whereby divisions and subsidiaries serve a similar base of primarily commercial clients utilizing a bank-wide offering of similar products and services managed through similar processes and platforms that are collectively reviewed by the chief operating decision maker.
Accounting Changes	New Accounting Standards ASU 2020-04, “ Reference Rate Reform (Topic 848)” (“ASU 2020-04”) provides optional expedients and exceptions for applying GAAP to loan and lease agreements, derivative contracts, and other transactions affected by the anticipated transition away from LIBOR toward new interest rate benchmarks. For transactions that are modified because of reference rate reform and that meet certain scope guidance (i) modifications of loan agreements should be accounted for by prospectively adjusting the effective interest rate and the modification will be considered “minor” so that any existing unamortized origination fees/costs would carry forward and continue to be amortized and (ii) modifications of lease agreements should be accounted for as a continuation of the existing agreement with no reassessments of the lease classification and the discount rate or remeasurements of lease payments that otherwise would be required for modifications not accounted for as separate contracts. ASU 2020-04 also provides numerous optional expedients for derivative accounting. ASU 2020-04 is effective March 12, 2020 through December 31, 2022. An entity may elect to apply ASU 2020-04 for contract modifications as of January 1, 2020, or prospectively from a date within an interim period that includes or is subsequent to March 12, 2020, up to the date that the financial statements are available to be issued. Once elected for a Topic or an Industry Subtopic within the Codification, the amendments in this ASU must be applied prospectively for all eligible contract modifications for that Topic or Industry Subtopic. We anticipate this ASU will simplify any modifications we execute between the selected start date and December 31, 2022 that are directly related to LIBOR transition by allowing prospective recognition of the continuation of the contract, rather than extinguishment of the old contract resulting in writing off unamortized fees/costs. The adoption of this ASU did not significantly impact our consolidated financial statements.

Operations and Summary of Sig_3

Operations and Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of Error Corrections and Prior Period Adjustments	December 31, 2020 December 31, 2019 ( in thousands) As Reported Adjustment As Revised As Reported Adjustment As Revised Interest and fees on loans $ 1,011,175 $ (17,505) $ 993,670 $ 1,284,036 $ (10,489) $ 1,273,547 Total interest income 1,056,912 (17,505) 1,039,407 1,365,312 (10,489) 1,354,823 Net interest income 868,826 (17,505) 851,321 979,720 (10,489) 969,231 Net interest income after provision for credit losses 610,826 (17,505) 593,321 904,720 (10,489) 894,231 Swap fees 5,182 (5,182) — 4,387 (4,387) — Investment banking and trading income — 22,687 22,687 — 14,876 14,876 Total non-interest income 185,476 17,505 202,981 91,879 10,489 102,368

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2021
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 share and per share data) 2021 2020 2019 Numerator: Net income $ 253,939 $ 66,289 $ 312,015 Preferred stock dividends 18,721 9,750 9,750 Net income available to common stockholders $ 235,218 $ 56,539 $ 302,265 Denominator: Denominator for basic earnings per share—weighted average shares 50,580,660 50,430,326 50,286,300 Effect of employee stock-based awards(1) 560,314 152,653 132,904 Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions 51,140,974 50,582,979 50,419,204 Basic earnings per common share $ 4.65 $ 1.12 $ 6.01 Diluted earnings per common share $ 4.60 $ 1.12 $ 5.99 (1) SARs and RSUs outstanding of 93,945, 453,024 and 86,308 in 2021, 2020 and 2019, respectively, have not been included in diluted earnings per share because to do so would have been antidilutive for the periods presented.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Summary of Available-for-Sale Debt Securities	The following is a summary of available-for-sale debt securities: (in thousands) Amortized Gross Gross Estimated December 31, 2021 U.S. government agency securities $ 125,000 $ — $ (4,056) $ 120,944 Residential mortgage-backed securities 3,288,261 156 (63,039) 3,225,378 Tax-exempt asset-backed securities 170,626 9,407 — 180,033 CRT securities 14,713 — (2,867) 11,846 Total $ 3,598,600 $ 9,563 $ (69,962) $ 3,538,201 December 31, 2020 U.S. government agency securities $ 125,000 $ 1 $ (1,412) $ 123,589 Residential mortgage-backed securities 2,818,518 11,566 (1,128) 2,828,956 Tax-exempt asset-backed securities 184,940 14,236 — 199,176 CRT securities 14,713 — (3,296) 11,417 Total $ 3,143,171 $ 25,803 $ (5,836) $ 3,163,138 (1) Excludes accrued interest receivable of $6.6 million and $6.0 million at December 31, 2021 and 2020, respectively, that is recorded in accrued interest receivable and other assets on the consolidated balance sheets.
Schedule of Amortized Cost and Estimated Fair Value of Securities	The amortized cost and estimated fair value, excluding accrued interest receivable, and weighted average yield of available-for-sale debt securities are presented below by contractual maturity: (dollars in thousands) Less Than After One After Five After Ten Total December 31, 2021 U.S. government agency securities:(1) Amortized cost $ — $ — $ 125,000 $ — $ 125,000 Estimated fair value — — 120,944 — 120,944 Weighted average yield(3) — % — % 1.13 % — % 1.13 % Residential mortgage-backed securities:(1) Amortized cost $ 48 $ 153 $ 17,324 $ 3,270,736 $ 3,288,261 Estimated fair value 53 166 16,547 3,208,612 3,225,378 Weighted average yield(3) 4.35 % 4.69 % 1.08 % 1.12 % 1.12 % Tax-exempt asset-backed securities:(1) Amortized Cost $ — $ — $ — $ 170,626 $ 170,626 Estimated fair value — — — 180,033 180,033 Weighted average yield(2)(3) — % — % — % 4.96 % 4.96 % CRT securities:(1) Amortized Cost $ — $ — $ 14,713 $ — $ 14,713 Estimated fair value — — 11,846 — 11,846 Weighted average yield(3) — % — % 0.12 % — % 0.12 % Total available-for-sale debt securities: Amortized cost $ 3,598,600 Estimated fair value $ 3,538,201 December 31, 2020 U.S. government agency securities:(1) Amortized cost $ — $ — $ 125,000 $ — $ 125,000 Estimated fair value — — 123,589 — 123,589 Weighted average yield(3) — % — % 1.13 % — % 1.13 % Residential mortgage-backed securities:(1) Amortized cost $ — $ 545 $ 17,500 $ 2,800,473 $ 2,818,518 Estimated fair value — 605 17,490 2,810,861 2,828,956 Weighted average yield(3) — % 4.58 % 1.08 % 1.25 % 1.25 % Tax-exempt asset-backed securities:(1) Amortized Cost $ — $ — $ — $ 184,940 $ 184,940 Estimated fair value — — — 199,176 199,176 Weighted average yield(2)(3) — % — % — % 4.92 % 4.92 % CRT securities:(1) Amortized Cost $ — $ — $ — $ 14,713 $ 14,713 Estimated fair value — — — 11,417 11,417 Weighted average yield(3) — % — % — % 0.15 % 0.15 % Total available-for-sale debt securities: Amortized cost $ 3,143,171 Estimated fair value $ 3,163,138 (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.
Schedule of Available-for-Sale Debt Securities in a Continuous Unrealized 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: Less Than 12 Months 12 Months or Longer Total (in thousands) Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss December 31, 2021 U.S. government agency securities $ 24,085 $ (915) $ 96,859 $ (3,141) $ 120,944 $ (4,056) Residential mortgage-backed securities 2,871,052 (50,721) 303,491 (12,318) 3,174,543 (63,039) CRT securities — — 11,846 (2,867) 11,846 (2,867) Total $ 2,895,137 $ (51,636) $ 412,196 $ (18,326) $ 3,307,333 $ (69,962) December 31, 2020 U.S. government agency securities $ 98,588 $ (1,412) $ — $ — $ 98,588 $ (1,412) Residential mortgage-backed securities 354,387 (1,128) — — 354,387 (1,128) CRT securities — — 11,417 (3,296) 11,417 (3,296) Total $ 452,975 $ (2,540) $ 11,417 $ (3,296) $ 464,392 $ (5,836)
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 included in other non-interest income on the consolidated statements of income and other comprehensive income: Year Ended December 31, (in thousands) 2021 2020 Net gains/(losses) recognized during the period $ 2,277 $ 2,998 Less: Realized net gains/(losses) recognized during the period on equity securities sold 1,065 1,418 Unrealized net gains/(losses) recognized during the period on equity securities still held $ 1,212 $ 1,580

Loans Held for Investment and_2

Loans Held for Investment and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2021
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) 2021 2020 Commercial $ 9,897,561 $ 8,861,580 Energy 721,373 766,217 Mortgage finance(1) 7,475,497 9,079,409 Real estate 4,777,530 5,794,624 Gross loans held for investment(2) 22,871,961 24,501,830 Unearned income (net of direct origination costs) (65,007) (70,970) Allowance for credit losses on loans (211,866) (254,615) Total loans held for investment, net(2) $ 22,595,088 $ 24,176,245 (1) Balances at December 31, 2021 and December 31, 2020 are stated net of $1.0 billion and $1.2 billion of participations sold, respectively. (2) Excludes accrued interest receivable of $50.3 million and $56.5 million at December 31, 2021 and December 31, 2020, respectively, that is recorded in accrued interest receivable and other assets on the consolidated balance sheets.
Schedule of the credit risk profile of loan portfolio by internally assigned grades and nonaccrual status	The following tables summarize our gross loans held for investment by year of origination and internally assigned credit grades: (in thousands) 2021 2020 2019 2018 2017 2016 and prior Revolving lines of credit Revolving lines of credit converted to term loans Total December 31, 2021 Commercial (1-7) Pass $ 1,133,013 $ 3,157,150 $ 546,520 $ 319,246 $ 200,478 $ 289,795 $ 3,960,706 $ 41,377 $ 9,648,285 (8) Special mention 2,650 5,277 23,129 8,697 39 5,322 5,120 7,883 58,117 (9) Substandard - accruing — 7,705 102,619 25,010 6,202 6,962 14,742 2,007 165,247 (9+) Non-accrual 736 1,191 49 12,955 1,166 6,196 3,619 — 25,912 Total commercial $ 1,136,399 $ 3,171,323 $ 672,317 $ 365,908 $ 207,885 $ 308,275 $ 3,984,187 $ 51,267 $ 9,897,561 Energy (1-7) Pass $ 71,750 $ — $ — $ 3 $ — $ 7,188 $ 577,988 $ — $ 656,929 (8) Special mention — — — — — — 27,421 — 27,421 (9) Substandard - accruing — — — — — 8,643 — — 8,643 (9+) Non-accrual — — — — — — 28,380 — 28,380 Total energy $ 71,750 $ — $ — $ 3 $ — $ 15,831 $ 633,789 $ — $ 721,373 Mortgage finance (1-7) Pass $ 289,042 $ 590,616 $ 656,445 $ 754,507 $ 332,001 $ 4,852,886 $ — $ — $ 7,475,497 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Total mortgage finance $ 289,042 $ 590,616 $ 656,445 $ 754,507 $ 332,001 $ 4,852,886 $ — $ — $ 7,475,497 Real estate CRE (1-7) Pass $ 497,462 $ 576,344 $ 600,005 $ 294,005 $ 155,252 $ 451,042 $ 73,988 $ 25,970 $ 2,674,068 (8) Special mention — — 291 8,827 20,089 26,344 — — 55,551 (9) Substandard - accruing 17,850 — — 40,900 37,393 38,188 — 2,308 136,639 (9+) Non-accrual — — — — — 198 — — 198 RBF (1-7) Pass 155,595 44,362 9,693 8,565 — 12,732 460,888 — 691,835 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Other (1-7) Pass 166,202 148,811 119,017 106,343 61,723 139,723 47,653 29,595 819,067 (8) Special mention — 7,365 — — 845 4,982 — — 13,192 (9) Substandard - accruing — 6,424 — — 16,922 20,184 — — 43,530 (9+) Non-accrual — — — — 2,641 1,450 — 13,741 17,832 Secured by 1-4 family (1-7) Pass 96,899 60,659 40,586 22,976 31,826 65,910 4,535 — 323,391 (8) Special mention — 553 — — — 291 — — 844 (9) Substandard - accruing — — — — — 1,203 — — 1,203 (9+) Non-accrual — — — — — 180 — — 180 Total real estate $ 934,008 $ 844,518 $ 769,592 $ 481,616 $ 326,691 $ 762,427 $ 587,064 $ 71,614 $ 4,777,530 Total loans held for investment $ 2,431,199 $ 4,606,457 $ 2,098,354 $ 1,602,034 $ 866,577 $ 5,939,419 $ 5,205,040 $ 122,881 $ 22,871,961 (in thousands) 2020 2019 2018 2017 2016 2015 and prior Revolving lines of credit Revolving lines of credit converted to term loans Total December 31, 2020 Commercial (1-7) Pass $ 1,259,949 $ 2,816,425 $ 543,438 $ 374,455 $ 192,060 $ 213,212 $ 3,020,353 $ 40,253 $ 8,460,145 (8) Special mention 2,664 115,015 38,751 26,423 1,983 290 19,971 22,797 227,894 (9) Substandard - accruing 15,773 15,854 18,068 32,241 15,297 19,639 22,932 1,641 141,445 (9+) Non-accrual 1,820 8,360 377 1,292 802 15,157 3,836 452 32,096 Total commercial $ 1,280,206 $ 2,955,654 $ 600,634 $ 434,411 $ 210,142 $ 248,298 $ 3,067,092 $ 65,143 $ 8,861,580 Energy (1-7) Pass $ — $ 12,020 $ 7,598 $ 26,931 $ — $ 23,750 $ 553,970 $ — $ 624,269 (8) Special mention — — — — — 13,358 76,866 — 90,224 (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — 5,705 1,972 8,009 36,038 — 51,724 Total energy $ — $ 12,020 $ 7,598 $ 32,636 $ 1,972 $ 45,117 $ 666,874 $ — $ 766,217 Mortgage finance (1-7) Pass $ 755,309 $ 1,063,641 $ 821,122 $ 483,436 $ 106,013 $ 5,849,888 $ — $ — $ 9,079,409 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Total mortgage finance $ 755,309 $ 1,063,641 $ 821,122 $ 483,436 $ 106,013 $ 5,849,888 $ — $ — $ 9,079,409 Real estate CRE (1-7) Pass $ 352,688 $ 892,831 $ 923,762 $ 444,587 $ 208,426 $ 451,283 $ 62,336 $ 61,133 $ 3,397,046 (8) Special mention 3,475 11,170 6,485 88,633 11,153 17,623 — 1,247 139,786 (9) Substandard - accruing — 327 47,708 11,601 32,645 30,766 — 15,940 138,987 (9+) Non-accrual — — — — 5,749 4,852 — — 10,601 RBF (1-7) Pass 162,397 60,077 65,271 3,727 5,888 8,483 551,703 — 857,546 (8) Special mention — 353 — — — — — — 353 (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Other (1-7) Pass 190,995 150,787 119,696 120,817 82,465 113,105 16,630 39,129 833,624 (8) Special mention — 6,700 2,240 — 1,843 7,195 — 1,018 18,996 (9) Substandard - accruing — — 2,567 14,452 3,301 14,453 — — 34,773 (9+) Non-accrual — — — 927 5,524 6,403 — 14,496 27,350 Secured by 1-4 family (1-7) Pass 58,515 63,031 46,623 54,096 72,527 31,880 4,697 — 331,369 (8) Special mention 646 — — 635 — 1,768 — — 3,049 (9) Substandard - accruing — — — 817 — 109 — — 926 (9+) Non-accrual — — — — — 218 — — 218 Total real estate $ 768,716 $ 1,185,276 $ 1,214,352 $ 740,292 $ 429,521 $ 688,138 $ 635,366 $ 132,963 $ 5,794,624 Total loans held for investment $ 2,804,231 $ 5,216,591 $ 2,643,706 $ 1,690,775 $ 747,648 $ 6,831,441 $ 4,369,332 $ 198,106 $ 24,501,830
Schedule of activity in the reserve for loan losses by portfolio segment	The following table details activity in the allowance for credit losses on loans. 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 Energy Mortgage Real Total Year ended December 31, 2021 Beginning balance $ 73,061 $ 84,064 $ 4,699 $ 92,791 $ 254,615 Provision for credit losses on loans 36,733 (27,045) 1,384 (40,903) (29,831) Charge-offs 11,987 6,418 — 1,192 19,597 Recoveries 4,395 1,967 — 317 6,679 Net charge-offs (recoveries) 7,592 4,451 — 875 12,918 Ending balance $ 102,202 $ 52,568 $ 6,083 $ 51,013 $ 211,866 Year ended December 31, 2020 Beginning balance $ 102,254 $ 60,253 $ 2,265 $ 30,275 $ 195,047 Impact of CECL adoptions (15,740) 24,154 2,031 (1,860) 8,585 Provision for credit losses on loans 58,630 126,180 403 64,556 249,769 Charge-offs 73,360 133,522 — 180 207,062 Recoveries 1,277 6,999 — — 8,276 Net charge-offs (recoveries) 72,083 126,523 — 180 198,786 Ending balance $ 73,061 $ 84,064 $ 4,699 $ 92,791 $ 254,615
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 60-89 Days 90 Days or More Past Due(1) Total Past Non-accrual(2) Current Total Non-accrual With No Allowance December 31, 2021 Commercial $ 6,722 $ 15,883 $ 3,368 $ 25,973 $ 25,912 $ 9,845,676 $ 9,897,561 $ 4,303 Energy — — — — 28,380 692,993 721,373 8,857 Mortgage finance loans — — — — — 7,475,497 7,475,497 — Real estate CRE — — — — 198 2,866,258 2,866,456 — RBF — — — — — 691,835 691,835 — Other — — — — 17,832 875,789 893,621 4,805 Secured by 1-4 family 1,477 140 99 1,716 180 323,722 325,618 — Total loans held for investment $ 8,199 $ 16,023 $ 3,467 $ 27,689 $ 72,502 $ 22,771,770 $ 22,871,961 $ 17,965 (1) Loans past due 90 days and still accruing includes premium finance loans of $3.3 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. (2) As of December 31, 2021 and December 31, 2020, none of our non-accrual loans were earning interest income on a cash basis. Additionally, no interest income was recognized on non-accrual loans for the years ended December 31, 2021 and 2020. Accrued interest of $1.2 million and $1.3 million was reversed during the years ended December 31, 2021 and 2020, respectively.
Schedule of loans that have been restructured	The following table details the recorded investment at December 31, 2020 of loans that were restructured during the year ended December 31, 2020 by type of modification: Extended Maturity Adjusted Payment Schedule Total (dollars in thousands) 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, 2020 Commercial 2 $ 7,390 2 $ 14,496 $ 4 $ 21,886 Energy 1 5,705 3 12,935 4 18,640 Total 3 $ 13,095 5 $ 27,431 $ 8 $ 40,526

Certain Transfers of Financia_2

Certain Transfers of Financial Assets (Tables)	12 Months Ended
	Dec. 31, 2021
Transfers and Servicing [Abstract]
Schedule of Loans Held-for-sale	The table below presents a reconciliation of the changes in loans held for sale: Year Ended December 31, (in thousands) 2021 2020 Outstanding balance(1): Beginning balance $ 281,137 $ 2,568,362 Loans purchased and originated 1,413,899 11,366,986 Payments and loans sold (1,686,567) (13,654,211) Ending balance 8,469 281,137 Fair value adjustment: Beginning balance 2,028 8,772 Increase/(decrease) to fair value (2,374) (6,744) Ending balance (346) 2,028 Loans held for sale at fair value $ 8,123 $ 283,165
Schedule of Mortgage Servicing Rights Activity	retained the right to service loans after they are sold, creating MSRs which were recorded as assets on our consolidated balance sheets. A summary of MSR activity is as follows: Year Ended December 31, (in thousands) 2021 2020 MSRs: Balance, beginning of year $ 131,391 $ 70,707 Capitalized servicing rights 15,990 99,678 Amortization (18,663) (38,994) Direct write-down (279) — Sales (128,439) — Balance, end of period $ — $ 131,391 Valuation allowance: Balance, beginning of year $ 25,967 $ 5,803 Increase (decrease) in valuation allowance (25,967) 20,164 Balance, end of period $ — $ 25,967 MSRs, net $ — $ 105,424 MSRs, fair value $ — $ 105,424
Schedule of Fair Value Assumption Used to Value Mortgage Servicing Rights Retained	The following tables summarize the assumptions used by management to determine the fair value of MSRs and a sensitivity analysis of changes in the fair value of our MSR portfolio resulting from certain key assumptions. Based on the 2021 sales of our MSR portfolio in its entirety, only December 31, 2020 data is provided in the tables below. December 31, 2020 Average discount rates 9.09 % Expected prepayment speeds 16.37 % Weighted-average life, in years 4.9
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets	December 31, (in thousands) 2020 50 bp adverse change in prepayment speed $ (12,203) 100 bp adverse change in prepayment speed (16,062)

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Right-Of-Use Assets and Lease Liabilities	The following table presents ROU assets and leases liabilities: December 31, (in thousands) 2021 2020 ROU assets: Finance leases $ 259 $ — Operating leases 55,330 66,968 Total $ 55,589 $ 66,968 Leases liabilities Finance leases $ 259 $ — Operating leases 69,184 82,529 Total $ 69,443 $ 82,529
Summary of lease cost and other information, operating leases	The table below summarizes our net lease cost: Year Ended December 31, (in thousands) 2021 2020 Finance lease cost: Amortization of ROU assets $ 32 $ — Interest on lease liabilities 1 — Operating lease cost 15,608 15,544 Short-term lease cost 19 19 Variable lease cost 4,747 4,476 Sublease income (107) (107) Net lease cost $ 20,299 $ 19,932 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from finance leases $ 1 $ — Operating cash flows from operating leases 17,666 16,568 Financing cash flows from finance leases 32 — ROU assets obtained in exchange for new finance leases 291 — ROU assets obtained in exchange for new operating leases 2,109 833
Assets and Liabilities, Lessee	The table below summarizes other information related to our operating and finance leases: December 31, 2021 2020 Weighted-average remaining lease term - finance leases, in years 2.7 — Weighted-average remaining lease term - operating leases, in years 5.9 6.5 Weighted-average discount rate - finance leases 0.77 % — % Weighted-average discount rate - operating leases 2.30 % 2.74 %
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining combined operating and finance lease liabilities as of December 31, 2021: (in thousands) Finance Leases Operating Leases Total 2022 $ 98 $ 17,168 $ 17,266 2023 98 17,205 17,303 2024 66 12,063 12,129 2025 — 5,610 5,610 2026 — 5,473 5,473 2027 and thereafter — 17,442 17,442 Total lease payments 262 74,961 75,223 Less: Interest (3) (5,777) (5,780) Present value of lease liabilities $ 259 $ 69,184 $ 69,443

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill and other intangible assets	Goodwill and other intangible assets are summarized as follows: (in thousands) Goodwill and Intangible Assets Accumulated Goodwill and Intangible Assets, Net December 31, 2021 Goodwill $ 15,468 $ (374) $ 15,094 Intangible assets—customer relationships and trademarks 9,006 (6,838) 2,168 Total goodwill and intangible assets $ 24,474 $ (7,212) $ 17,262 December 31, 2020 Goodwill $ 15,468 $ (374) $ 15,094 Intangible assets—customer relationships and trademarks 9,006 (6,433) 2,573 Total goodwill and intangible assets $ 24,474 $ (6,807) $ 17,667
Schedule of estimated aggregate future amortization expense for intangible assets	The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2021 is as follows: (in thousands) 2022 $ 405 2023 382 2024 268 2025 268 2026 268 Thereafter 577 Total $ 2,168

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Summary of premises and equipment	Premises and equipment are summarized as follows: December 31, (in thousands) 2021 2020 Premises $ 32,609 $ 32,231 Furniture and equipment 43,852 41,627 Total cost 76,461 73,858 Accumulated depreciation (55,560) (49,312) Total premises and equipment, net $ 20,901 $ 24,546

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Schedule of deposits	Deposits are summarized as follows: December 31, (in thousands) 2021 2020 Non-interest-bearing demand deposits $ 13,390,370 $ 12,740,947 Interest-bearing deposits: Transaction 2,837,521 4,396,243 Savings 10,682,768 11,619,880 Time 1,198,706 2,239,519 Total interest-bearing deposits 14,718,995 18,255,642 Total deposits $ 28,109,365 $ 30,996,589
Schedule of maturities of interest-bearing time deposits	The scheduled maturities of interest-bearing time deposits were as follows at December 31, 2021: (in thousands) 2022 $ 1,059,975 2023 132,036 2024 3,031 2025 3,467 2026 192 2027 and after 5 Total $ 1,198,706

Short-Term and Other Borrowin_2

Short-Term and Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Summary of borrowings	The following table summarizes our short-term and other borrowings: (dollars in thousands) Federal Funds Purchased Customer Repurchase Agreements FHLB Borrowings December 31, 2021 Amount outstanding at year-end $ — $ 2,832 $ 2,200,000 Interest rate at year-end — % 0.25 % 0.13 % Average balance outstanding during the year $ 88,916 $ 4,199 $ 2,306,165 Weighted-average interest rate during the year 0.15 % 0.28 % 0.19 % Maximum month-end outstanding during the year $ 302,301 $ 5,487 $ 2,600,000 December 31, 2020 Amount outstanding at year-end $ 107,600 $ 4,151 $ 3,000,000 Interest rate at year-end 0.15 % 0.35 % 0.46 % Average balance outstanding during the year $ 207,121 $ 5,563 $ 2,902,732 Weighted-average interest rate during the year 0.52 % 0.47 % 0.72 % Maximum month-end outstanding during the year $ 300,430 $ 8,314 $ 4,900,000
Summary of other borrowing capacities	The following table summarizes our other borrowing capacities net of balances outstanding. As of December 31, 2021, all are scheduled to mature within one year. December 31, (in thousands) 2021 2020 FHLB borrowing capacity relating to loans $ 5,190,703 $ 7,653,317 FHLB borrowing capacity relating to securities 3,352,111 2,946,539 Total FHLB borrowing capacity(1) $ 8,542,814 $ 10,599,856 Unused federal funds lines available from commercial banks $ 892,000 $ 1,030,000 Unused Federal Reserve borrowings capacity $ 2,414,702 $ 2,179,000 Unused revolving line of credit(2) $ 75,000 $ 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 February 8, 2023. 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 2021, 2020.

Long-Term Debt (Tables)

Long-Term Debt (Tables)	12 Months Ended
	Dec. 31, 2021
Subordinated Borrowings [Abstract]
Schedule of details of the trust preferred subordinated debentures	As of December 31, 2021, the details of the trust preferred subordinated debentures are summarized below: (dollars 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 + 3.35% 3 month LIBOR + 3.25% 3 month LIBOR + 1.51% 3 month LIBOR + 1.60% 3 month LIBOR + 1.71% Maturity date November 2032 April 2033 December 2035 June 2036 December 2036

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Schedule of income tax expense/(benefit)	Year ended December 31, (in thousands) 2021 2020 2019 Current: Federal $ 97,608 $ 32,701 $ 69,427 State 6,761 920 4,072 Total 104,369 33,621 73,499 Deferred: Federal (19,020) (7,964) 10,796 State (1,233) — — Total (20,253) (7,964) 10,796 Total expense: Federal 78,588 24,737 80,223 State 5,528 920 4,072 Total $ 84,116 $ 25,657 $ 84,295
Reconciliation of income attributable to continuing operations	The reconciliation of income tax at the U.S. federal statutory tax rate to our income tax expense and effective tax rate is as follows: Year ended December 31, 2021 2020 2019 (dollars in thousands) Amount Rate Amount Rate Amount Rate U.S. statutory rate $ 70,992 21 % $ 19,309 21 % $ 85,504 21 % State taxes 4,108 1 % 726 1 % 3,217 1 % Tax-exempt income (1,855) (1) % (3,356) (4) % (5,127) (1) % Tax credits (179) — % (1,216) (1) % (2,052) (1) % Disallowed FDIC 2,936 1 % 3,920 4 % 2,468 1 % Disallowed compensation 6,377 2 % 3,098 3 % 628 — % Other 1,737 1 % 3,176 4 % (343) — % Total $ 84,116 25 % $ 25,657 28 % $ 84,295 21 %
Schedule of deferred tax assets and liabilities	December 31, (in thousands) 2021 2020 Deferred tax assets: Allowance for credit losses $ 51,738 $ 59,279 Operating lease liabilities 15,615 17,983 Loan origination fees 11,204 11,181 Stock compensation 4,649 3,913 Non-accrual interest 1,874 1,245 Non-qualified deferred compensation 6,705 5,795 Unrealized loss on securities 12,684 — Other 1,671 3,136 Total deferred tax assets 106,140 102,532 Deferred tax liabilities: Loan origination costs (3,110) (2,997) Leases (8,414) (8,603) Operating lease ROU assets (14,266) (16,617) MSRs — (22,566) Depreciation (10,567) (14,968) Unrealized gain on securities — (4,193) Other (3,446) (3,381) Total deferred tax liabilities (39,803) (73,325) Net deferred tax asset $ 66,337 $ 29,207

Financial Instruments with Of_2

Financial Instruments with Off-Balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2021
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: Year Ended December 31, (in thousands) 2021 2020 Beginning balance of allowance for off-balance sheet credit losses $ 17,434 $ 8,640 Impact of CECL adoption — 563 Provision for off-balance sheet credit losses (169) 8,231 Ending balance of allowance for off-balance sheet credit losses $ 17,265 $ 17,434 December 31, (in thousands) 2021 2020 Commitments to extend credit - period end balance $ 9,445,763 $ 8,530,453 Standby letters of credit - period end balance 357,672 268,894

Regulatory Restrictions (Tables

Regulatory Restrictions (Tables)	12 Months Ended
	Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of compliance with Regulatory Capital Requirements	The table below summarizes our actual and required capital ratios under the Basel III Capital Rules. The ratios presented below include the effects of our election to utilize the five-year CECL transition described above. Actual Minimum Capital Required(2) Capital Required to be Well Capitalized (dollars in thousands) Capital Amount Ratio Capital Amount Ratio Capital Amount Ratio December 31, 2021 CET1 Company $ 2,949,785 11.06 % $ 1,866,444 7.00 % N/A N/A Bank 3,013,170 11.30 % 1,866,303 7.00 % 1,732,996 6.50 % Total capital (to risk-weighted assets) Company 4,085,540 15.32 % 2,799,666 10.50 % 2,666,348 10.00 % Bank 3,578,014 13.42 % 2,799,455 10.50 % 2,666,148 10.00 % Tier 1 capital (to risk-weighted assets) Company 3,359,785 12.60 % 2,266,396 8.50 % 1,599,809 6.00 % Bank 3,173,170 11.90 % 2,266,225 8.50 % 2,132,918 8.00 % Tier 1 capital (to average assets)(1) Company 3,359,785 9.01 % 1,490,902 4.00 % N/A N/A Bank 3,173,170 8.51 % 1,490,677 4.00 % 1,863,346 5.00 % December 31, 2020 CET1 Company $ 2,708,150 9.35 % $ 2,026,806 7.00 % N/A N/A Bank 2,744,211 9.48 % 2,025,417 7.00 % 1,880,745 6.50 % Total capital (to risk-weighted assets) Company 3,498,737 12.08 % 3,040,209 10.50 % 2,895,437 10.00 % Bank 3,375,983 11.67 % 3,038,126 10.50 % 2,893,453 10.00 % Tier 1 capital (to risk-weighted assets) Company 2,968,150 10.25 % 2,461,121 8.50 % 1,737,262 6.00 % Bank 2,904,211 10.04 % 2,459,435 8.50 % 2,314,763 8.00 % Tier 1 capital (to average assets)(1) Company 2,968,150 7.52 % 1,578,651 4.00 % N/A N/A Bank 2,904,211 7.36 % 1,578,207 4.00 % 1,972,758 5.00 % (1) The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve Board 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. (2) Percentages represent the minimum capital ratios plus, as applicable, the fully phased-in 2.5% CET1 capital buffer under the Basel III Capital Rules.

Stock-Based Compensation and _2

Stock-Based Compensation and Employee Benefits (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 December 31, 2020 December 31, 2019 SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price Outstanding at beginning of year 12,400 $ 43.48 21,200 $ 33.95 41,350 $ 29.13 Exercised (9,400) 43.24 (8,800) 20.52 (20,150) 24.07 Outstanding at year-end 3,000 $ 44.20 12,400 $ 43.48 21,200 $ 33.95 Vested and exercisable at year-end 3,000 $ 44.20 12,400 $ 43.48 21,200 $ 33.95 Weighted average remaining contractual life of vested (in years) 1.66 2.26 2.14 Weighted average remaining contractual life of outstanding (in years) 1.66 2.26 2.14 Compensation expense $ — $ — $ 6,000 Unrecognized compensation expense $ — $ — $ — Fair value of shares vested during the year $ — $ — $ 37,000 Intrinsic value of exercised $ 302,000 $ 294,000 $ 724,000
Summary of status and changes in nonvested restricted stock units	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 three four December 31, 2021 December 31, 2020 December 31, 2019 RSUs Weighted RSUs Weighted RSUs Weighted Outstanding at beginning of year 955,594 $ 48.76 558,312 $ 64.95 349,533 $ 69.11 Granted 677,472 66.31 631,092 39.37 386,913 59.28 Vested (187,530) 58.82 (171,494) 65.17 (140,666) 59.97 Forfeited (238,674) 53.76 (62,316) 56.92 (37,468) 62.73 Outstanding at year-end 1,206,862 $ 56.06 955,594 $ 48.76 558,312 $ 64.95 Compensation expense $ 30,060,000 $ 15,655,000 $ 11,733,000 Unrecognized compensation expense $ 32,525,000 $ 29,146,000 $ 25,305,000 Weighted average years over which unrecognized compensation expense is expected to be recognized 2.79 2.83 3.09

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 Available-for-sale debt securities:(1) U.S. government agency securities $ — $ 120,944 $ — Residential mortgage-backed securities — 3,225,378 — Tax-exempt asset-backed securities — — 180,033 CRT securities — — 11,846 Equity securities(1)(2) 33,589 12,018 — Loans held for sale(3) — 465 7,658 Derivative assets(5) — 37,788 — Derivative liabilities(5) — 37,788 — Non-qualified deferred compensation plan liabilities(6) 29,695 — — December 31, 2020 Available-for-sale debt securities:(1) U.S. government agency securities $ — $ 123,589 $ — Residential mortgage-backed securities — 2,828,956 — Tax-exempt asset-backed securities — — 199,176 CRT securities — — 11,417 Equity securities(1)(2) 26,593 7,239 — Loans held for sale(3) — 232,147 6,933 Loans held for investment(4) — — 21,209 Derivative assets(5) — 102,720 — Derivative liabilities(5) — 99,255 — Non-qualified deferred compensation plan liabilities(6) 26,593 — — (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 investments that qualify for consideration under the regulations implementing the 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 certain collateral-dependent loans held for investment for which a specific allocation of the allowance for credit losses is based upon the fair value of the loan’s underlying collateral. These loans held for investment are measured on a nonrecurring basis, generally annually or more often as warranted by market and economic conditions. (5) Derivative assets and liabilities are measured at fair value on a recurring basis, generally quarterly. (6) Non-qualified deferred compensation plan liabilities represent the fair value of the obligation to the employee, which generally corresponds to the fair value of the invested assets, and are measured at fair value on a recurring basis, generally monthly.
Level 3 Fair Value Assets Measured on a Recurring Basis	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, 2021 Available-for-sale debt securities:(1) Tax-exempt asset-backed securities $ 199,176 $ — $ (14,314) $ — $ (4,829) $ 180,033 CRT securities 11,417 — — — 429 11,846 Loans held for sale(2) 6,933 2,125 (1,428) 5 23 7,658 Year ended December 31, 2020 Available-for-sale debt securities:(1) Tax-exempt asset-backed securities $ 197,027 $ 8,470 $ (6,755) $ — $ 434 $ 199,176 CRT securities 11,964 — — — (547) 11,417 Loans held for sale(2) 7,043 1,472 (2,077) 248 247 6,933 (1) Unrealized gains/(losses) on available-for-sale debt securities are recorded in AOCI and relate to assets that remain outstanding at period end. 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, 2021 December 31, 2020 (in thousands) Carrying Estimated Carrying Estimated Financial assets: Level 1 inputs: Cash and cash equivalents $ 7,946,659 $ 7,946,659 $ 9,206,380 $ 9,206,380 Investment securities 33,589 33,589 26,593 26,593 Level 2 inputs: Investment securities 3,358,340 3,358,340 2,959,784 2,959,784 Loans held for sale 465 465 232,147 232,147 Derivative assets 37,788 37,788 102,720 102,720 Level 3 inputs: Investment securities 191,879 191,879 210,593 210,593 Loans held for sale 7,658 7,658 6,933 6,933 Loans held for investment, net 22,595,088 22,631,252 24,176,245 24,233,185 Financial liabilities: Level 2 inputs: Federal funds purchased and repurchase agreements 2,832 2,832 111,751 111,751 Other borrowings 2,200,000 2,200,000 3,000,000 3,000,000 Long-term debt 928,738 952,404 395,896 405,110 Derivative liabilities 37,788 37,788 99,255 99,255 Level 3 inputs: Deposits 28,109,365 28,109,762 30,996,589 30,997,980

Parent Company Only (Tables)

Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Balance Sheet	Balance Sheet December 31, (in thousands) 2021 2020 Assets Cash and cash equivalents $ 438,761 $ 57,472 Loans held for investment — 7,500 Investment in subsidiaries 3,155,954 2,930,843 Other assets 91,301 89,551 Total assets $ 3,686,016 $ 3,085,366 Liabilities and Stockholders’ Equity Other liabilities $ 3,668 $ 1,320 Long-term debt 484,316 222,222 Total liabilities 487,984 223,542 Preferred stock 300,000 150,000 Common stock 506 504 Additional paid-in capital 1,018,711 1,002,050 Retained earnings 1,926,538 1,693,504 Treasury stock (8) (8) Accumulated other comprehensive income/(loss) (47,715) 15,774 Total stockholders’ equity 3,198,032 2,861,824 Total liabilities and stockholders’ equity $ 3,686,016 $ 3,085,366
Statement of Earnings	Statement of Income Year ended December 31, (in thousands) 2021 2020 2019 Interest on loans $ 3,404 $ 3,402 $ 3,401 Dividend income 10,472 10,496 10,551 Other income 5 3 17 Total income 13,881 13,901 13,969 Interest expense 15,946 10,515 12,342 Salaries and employee benefits 720 725 607 Legal and professional 1,803 3,238 3,093 Other non-interest expense 4,375 4,553 1,889 Total expense 22,844 19,031 17,931 Loss before income taxes and equity in undistributed income of subsidiary (8,963) (5,130) (3,962) Income tax benefit (2,179) (1,135) (861) Loss before equity in undistributed income of subsidiary (6,784) (3,995) (3,101) Equity in undistributed income of subsidiary 258,539 68,100 312,932 Net income 251,755 64,105 309,831 Preferred stock dividends 18,721 9,750 9,750 Net income available to common stockholders $ 233,034 $ 54,355 $ 300,081
Statement of Cash Flows	Statements of Cash Flows Year ended December 31, (in thousands) 2021 2020 2019 Operating Activities Net income $ 251,755 $ 64,105 $ 309,831 Adjustments to reconcile net income to net cash provided by/(used in) operating activities: Equity in undistributed income of subsidiary (258,539) (68,100) (312,932) Amortization 2,469 101 101 Increase in other assets (1,750) (912) (1,187) Increase (decrease) in other liabilities 2,348 (448) 297 Net cash used in operating activities (3,717) (5,254) (3,890) Investing Activities Net (increase)/decrease in loans held for investment 7,500 3,000 (3,000) Net cash provided by/(used in) investing activities 7,500 3,000 (3,000) Financing Activities Costs from issuance of stock related to stock-based awards and warrants (3,121) (1,986) (1,459) Net proceeds from issuance of preferred stock 289,723 — — Redemption of preferred stock (150,000) — — Preferred dividends paid (18,721) (9,750) (9,750) Redemption of long-term debt (111,000) — — Issuance of long-term debt 370,625 — — Net cash provided by/(used in) financing activities 377,506 (11,736) (11,209) Net increase/(decrease) in cash and cash equivalents 381,289 (13,990) (18,099) Cash and cash equivalents at beginning of year 57,472 71,462 89,561 Cash and cash equivalents at end of year $ 438,761 $ 57,472 $ 71,462

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2021
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. All derivative positions related to residential MSRs and loans held for sale were closed during the third quarter of 2021 as a result of the sale of our MSR portfolio and transition of the MCA program to a third-party. December 31, 2021 December 31, 2020 Estimated Fair Value Estimated Fair Value (in thousands) Notional Asset Derivative Liability Derivative Notional Asset Derivative Liability Derivative Non-hedging derivatives: Financial institution counterparties: Commercial loan/lease interest rate swaps $ 1,768,045 $ 3,228 $ 37,694 $ 1,922,956 $ 71 $ 96,246 Commercial loan/lease interest rate caps 191,291 94 — 565,634 34 — Foreign currency forward contracts — — — 6,667 214 78 Customer counterparties: Commercial loan/lease interest rate swaps 1,768,045 37,694 3,228 1,922,956 96,246 71 Commercial loan/lease interest rate caps 191,291 — 94 565,634 — 34 Foreign currency forward contracts — — — 6,667 78 214 Economic hedging derivatives to hedge: Residential MSRs: Interest rate swap futures — — — 320,000 474 — Forward sale commitments — — — 155,000 551 — Loans held for sale: Loan purchase commitments — — — 332,145 5,123 8 Forward sale commitments — — — 485,326 — 2,675 Gross derivatives 41,016 41,016 102,791 99,326 Offsetting derivative assets/liabilities (3,228) (3,228) (71) (71) Net derivatives included on the consolidated balance sheets $ 37,788 $ 37,788 $ 102,720 $ 99,255
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, 2021 December 31, 2020 Received Paid Received Paid Non-hedging interest rate swaps - financial institution counterparties 1.15 % 2.65 % 1.38 % 3.14 % Non-hedging interest rate swaps - customer counterparties 2.65 % 1.15 % 3.14 % 1.38 %

Quarterly Financial Data (Table

Quarterly Financial Data (Tables)	12 Months Ended
	Dec. 31, 2021
Selected Quarterly Financial Information [Abstract]
Schedule of Quarterly Financial Information	The tables below summarize our quarterly financial information: 2021 Selected Quarterly Financial Data (in thousands except per share data) Fourth Third Second First Interest income $ 219,892 $ 216,589 $ 216,953 $ 223,151 Interest expense 25,860 26,053 27,496 28,339 Net interest income 194,032 190,536 189,457 194,812 Provision for credit losses (10,000) 5,000 (19,000) (6,000) Net interest income after provision for credit losses 204,032 185,536 208,457 200,812 Non-interest income 31,459 24,779 37,639 44,353 Non-interest expense 146,649 152,987 149,060 150,316 Income before income taxes 88,842 57,328 97,036 94,849 Income tax expense 23,712 13,938 23,555 22,911 Net income 65,130 43,390 73,481 71,938 Preferred stock dividends 4,313 4,312 6,317 3,779 Net income available to common stockholders $ 60,817 $ 39,078 $ 67,164 $ 68,159 Basic earnings per share: $ 1.20 $ 0.76 $ 1.31 $ 1.33 Diluted earnings per share: $ 1.19 $ 0.76 $ 1.31 $ 1.33 2020 Selected Quarterly Financial Data (in thousands except per share data) Fourth Third Second First Interest income $ 245,348 $ 241,554 $ 248,648 $ 303,857 Interest expense 32,153 36,162 42,082 77,689 Net interest income 213,195 205,392 206,566 226,168 Provision for credit losses 32,000 30,000 100,000 96,000 Net interest income after provision for credit losses 181,195 175,392 106,566 130,168 Non-interest income 52,678 62,525 73,847 13,931 Non-interest expense 150,863 165,741 222,335 165,417 Income/(loss) before income taxes 83,010 72,176 (41,922) (21,318) Income tax expense/(benefit) 22,834 15,060 (7,606) (4,631) Net income/(loss) 60,176 57,116 (34,316) (16,687) Preferred stock dividends 2,437 2,438 2,437 2,438 Net income/(loss) available to common stockholders $ 57,739 $ 54,678 $ (36,753) $ (19,125) Basic earnings/(loss) per share: $ 1.14 $ 1.08 $ (0.73) $ (0.38) Diluted earnings/(loss) per share: $ 1.14 $ 1.08 $ (0.73) $ (0.38)

Operations and Summary of Sig_4

Operations and Summary of Significant Accounting Policies - Revision of Prior Period Financial Statements, Balance Sheet (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest and fees on loans									$ 820,532	$ 993,670	$ 1,273,547
Total interest income	$ 219,892	$ 216,589	$ 216,953	$ 223,151	$ 245,348	$ 241,554	$ 248,648	$ 303,857	876,585	1,039,407	1,354,823
Net interest income	194,032	190,536	189,457	194,812	213,195	205,392	206,566	226,168	768,837	851,321	969,231
Net interest income after provision for credit losses	204,032	185,536	208,457	200,812	181,195	175,392	106,566	130,168	798,837	593,321	894,231
Swap fees										0	0
Investment banking and trading income									24,441	22,687	14,876
Total non-interest income	$ 31,459	$ 24,779	$ 37,639	$ 44,353	$ 52,678	$ 62,525	$ 73,847	$ 13,931	$ 138,230	202,981	102,368
As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest and fees on loans										1,011,175	1,284,036
Total interest income										1,056,912	1,365,312
Net interest income										868,826	979,720
Net interest income after provision for credit losses										610,826	904,720
Swap fees										5,182	4,387
Investment banking and trading income										0	0
Total non-interest income										185,476	91,879
Adjustment
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest and fees on loans										(17,505)	(10,489)
Total interest income										(17,505)	(10,489)
Net interest income										(17,505)	(10,489)
Net interest income after provision for credit losses										(17,505)	(10,489)
Swap fees										(5,182)	(4,387)
Investment banking and trading income										22,687	14,876
Total non-interest income										$ 17,505	$ 10,489

Operations and Summary of Sig_5

Operations and Summary of Significant Accounting Policies - Additional Information (Details)	12 Months Ended
	Dec. 31, 2021
Minimum
Property, Plant and Equipment [Line Items]
PPE, useful life	3 years
Finite-lived intangible asset, useful life	1 year
Maximum
Property, Plant and Equipment [Line Items]
PPE, useful life	5 years
Finite-lived intangible asset, useful life	5 years

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Numerator:
Net income	$ 65,130	$ 43,390	$ 73,481	$ 71,938	$ 60,176	$ 57,116	$ (34,316)	$ (16,687)	$ 253,939	$ 66,289	$ 312,015
Preferred stock dividends	4,313	4,312	6,317	3,779	2,437	2,438	2,437	2,438	18,721	9,750	9,750
Net income available to common stockholders	$ 60,817	$ 39,078	$ 67,164	$ 68,159	$ 57,739	$ 54,678	$ (36,753)	$ (19,125)	$ 235,218	$ 56,539	$ 302,265
Denominator:
Denominator for basic earnings per share—weighted average shares									50,580,660	50,430,326	50,286,300
Effect of employee stock-based awards									560,314	152,653	132,904
Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions									51,140,974	50,582,979	50,419,204
Basic earnings per common share (in usd per share)	$ 1.20	$ 0.76	$ 1.31	$ 1.33	$ 1.14	$ 1.08	$ (0.73)	$ (0.38)	$ 4.65	$ 1.12	$ 6.01
Diluted earnings per common share (in usd per share)	$ 1.19	$ 0.76	$ 1.31	$ 1.33	$ 1.14	$ 1.08	$ (0.73)	$ (0.38)	$ 4.60	$ 1.12	$ 5.99
Stock options excluded from computation of EPS (in shares)									93,945	453,024	86,308

Investment Securities - Summary

Investment Securities - Summary of Available-for-Sale Debt Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	$ 3,598,600	$ 3,143,171
Gross Unrealized Gains	9,563	25,803
Gross Unrealized Losses	(69,962)	(5,836)
Estimated Fair Value	3,538,201	3,163,138
Interest receivable	50,300	56,500
Available-for-sale Securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Interest receivable	6,600	6,000
U.S. government agency securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	125,000	125,000
Gross Unrealized Gains	0	1
Gross Unrealized Losses	(4,056)	(1,412)
Estimated Fair Value	120,944	123,589
Residential mortgage-backed securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	3,288,261	2,818,518
Gross Unrealized Gains	156	11,566
Gross Unrealized Losses	(63,039)	(1,128)
Estimated Fair Value	3,225,378	2,828,956
Tax-exempt asset-backed securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	170,626	184,940
Gross Unrealized Gains	9,407	14,236
Gross Unrealized Losses	0	0
Estimated Fair Value	180,033	199,176
CRT securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	14,713	14,713
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2,867)	(3,296)
Estimated Fair Value	$ 11,846	$ 11,417

Investment Securities - Schedul

Investment Securities - Schedule of Amortized Cost and Estimated Fair Value of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Amortized cost
Amortized cost	$ 3,598,600	$ 3,143,171
Estimated fair value
Investment securities	$ 3,538,201	$ 3,163,138
Available-for-sale Securities, Other Disclosure Items
Federal tax rate (percent)	21.00%	21.00%	21.00%
U.S. government agency securities
Amortized cost
Less Than One Year	$ 0	$ 0
After One Through Five Years	0	0
After Five Through Ten Years	125,000	125,000
After Ten Years	0	0
Amortized cost	125,000	125,000
Estimated fair value
Less Than One Year	0	0
After One Through Five Years	0	0
After Five Through Ten Years	120,944	123,589
After Ten Years	0	0
Investment securities	$ 120,944	$ 123,589
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	1.13%	1.13%
After Ten Years	0.00%	0.00%
Total	1.13%	1.13%
Residential mortgage-backed securities
Amortized cost
Less Than One Year	$ 48	$ 0
After One Through Five Years	153	545
After Five Through Ten Years	17,324	17,500
After Ten Years	3,270,736	2,800,473
Amortized cost	3,288,261	2,818,518
Estimated fair value
Less Than One Year	53	0
After One Through Five Years	166	605
After Five Through Ten Years	16,547	17,490
After Ten Years	3,208,612	2,810,861
Investment securities	$ 3,225,378	$ 2,828,956
Weighted average yield
Less Than One Year	4.35%	0.00%
After One Through Five Years	4.69%	4.58%
After Five Through Ten Years	1.08%	1.08%
After Ten Years	1.12%	1.25%
Total	1.12%	1.25%
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	170,626	184,940
Amortized cost	170,626	184,940
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	180,033	199,176
Investment securities	$ 180,033	$ 199,176
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	4.96%	4.92%
Total	4.96%	4.92%
CRT securities
Amortized cost
Less Than One Year	$ 0	$ 0
After One Through Five Years	0	0
After Five Through Ten Years	14,713	0
After Ten Years	0	14,713
Amortized cost	14,713	14,713
Estimated fair value
Less Than One Year	0	0
After One Through Five Years	0	0
After Five Through Ten Years	11,846	0
After Ten Years	0	11,417
Investment securities	$ 11,846	$ 11,417
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	0.12%	0.00%
After Ten Years	0.00%	0.15%
Total	0.12%	0.15%

Investment Securities - Narrati

Investment Securities - Narrative (Details) $ in Millions	Dec. 31, 2021USD ($)security	Dec. 31, 2020USD ($)
Debt Securities, Available-for-sale [Line Items]
Number of securities in an unrealized loss position	119
Equity securities at fair value | $	$ 45.6	$ 33.8
U.S. government agency securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in an unrealized loss position	5
Residential mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in an unrealized loss position	112
CRT securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in an unrealized loss position	2
Customer repurchase agreements
Debt Securities, Available-for-sale [Line Items]
Available-for-sale debt securities pledged to secure certain customer repurchase agreements and deposits | $	$ 22	31.7
Deposits
Debt Securities, Available-for-sale [Line Items]
Available-for-sale debt securities pledged to secure certain customer repurchase agreements and deposits | $	$ 2	$ 1.9

Investment Securities - Sched_2

Investment Securities - Schedule of Available-for-Sale Debt Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale [Line Items]
Less Than 12 Months, Fair Value	$ 2,895,137	$ 452,975
Less Than 12 Months, Unrealized Loss	(51,636)	(2,540)
12 Months or Longer, Fair Value	412,196	11,417
12 Months or Longer, Unrealized Loss	(18,326)	(3,296)
Total, Fair Value	3,307,333	464,392
Total, Unrealized Loss	(69,962)	(5,836)
U.S. government agency securities
Debt Securities, Available-for-sale [Line Items]
Less Than 12 Months, Fair Value	24,085	98,588
Less Than 12 Months, Unrealized Loss	(915)	(1,412)
12 Months or Longer, Fair Value	96,859	0
12 Months or Longer, Unrealized Loss	(3,141)	0
Total, Fair Value	120,944	98,588
Total, Unrealized Loss	(4,056)	(1,412)
Residential mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Less Than 12 Months, Fair Value	2,871,052	354,387
Less Than 12 Months, Unrealized Loss	(50,721)	(1,128)
12 Months or Longer, Fair Value	303,491	0
12 Months or Longer, Unrealized Loss	(12,318)	0
Total, Fair Value	3,174,543	354,387
Total, Unrealized Loss	(63,039)	(1,128)
CRT securities
Debt Securities, Available-for-sale [Line Items]
Less Than 12 Months, Fair Value	0	0
Less Than 12 Months, Unrealized Loss	0	0
12 Months or Longer, Fair Value	11,846	11,417
12 Months or Longer, Unrealized Loss	(2,867)	(3,296)
Total, Fair Value	11,846	11,417
Total, Unrealized Loss	$ (2,867)	$ (3,296)

Investment Securities - Summa_2

Investment Securities - Summary of Unrealized and Realized Gains/(Losses) Recognized in Net Income on Equity Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Net gains/(losses) recognized during the period	$ 2,277	$ 2,998
Less: Realized net gains/(losses) recognized during the period on equity securities sold	(1,065)	(1,418)
Unrealized net gains/(losses) recognized during the period on equity securities still held	$ 1,212	$ 1,580

Loans Held for Investment and_3

Loans Held for Investment and Allowance for Loan Losses - Loans Held for Investment by Portfolio Segment (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans held for investment	$ 22,871,961	$ 24,501,830
Unearned income (net of direct origination costs)	(65,007)	(70,970)
Allowance for credit losses on loans	(211,866)	(254,615)	$ (195,047)
Loans held for investment, net	22,595,088	24,176,245
Mortgage obligations, amount	1,000,000	1,200,000
Interest receivable	50,300	56,500
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans held for investment	9,897,561	8,861,580
Allowance for credit losses on loans	(102,202)	(73,061)	(102,254)
Energy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans held for investment	721,373	766,217
Allowance for credit losses on loans	(52,568)	(84,064)	(60,253)
Mortgage Finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans held for investment	7,475,497	9,079,409
Allowance for credit losses on loans	(6,083)	(4,699)	(2,265)
Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans held for investment	4,777,530	5,794,624
Allowance for credit losses on loans	$ (51,013)	$ (92,791)	$ (30,275)

Loans Held for Investment and_4

Loans Held for Investment and Allowance for Loan Losses - Loans by Investment Grade (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	$ 2,431,199	$ 2,804,231
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	4,606,457	5,216,591
Financing Receivable, Originated Two Years before Latest Fiscal Year	2,098,354	2,643,706
Financing Receivable, Originated Three Years before Latest Fiscal Year	1,602,034	1,690,775
Financing Receivable, Originated Four Years before Latest Fiscal Year	866,577	747,648
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	5,939,419	6,831,441
Financing Receivable, Revolving	5,205,040	4,369,332
Financing Receivable, Revolving, Converted To Term Loans	122,881	198,106
Gross loans held for investment	22,871,961	24,501,830
Commercial
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	1,136,399	1,280,206
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,171,323	2,955,654
Financing Receivable, Originated Two Years before Latest Fiscal Year	672,317	600,634
Financing Receivable, Originated Three Years before Latest Fiscal Year	365,908	434,411
Financing Receivable, Originated Four Years before Latest Fiscal Year	207,885	210,142
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	308,275	248,298
Financing Receivable, Revolving	3,984,187	3,067,092
Financing Receivable, Revolving, Converted To Term Loans	51,267	65,143
Gross loans held for investment	9,897,561	8,861,580
Commercial | Pass
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	1,133,013	1,259,949
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3,157,150	2,816,425
Financing Receivable, Originated Two Years before Latest Fiscal Year	546,520	543,438
Financing Receivable, Originated Three Years before Latest Fiscal Year	319,246	374,455
Financing Receivable, Originated Four Years before Latest Fiscal Year	200,478	192,060
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	289,795	213,212
Financing Receivable, Revolving	3,960,706	3,020,353
Financing Receivable, Revolving, Converted To Term Loans	41,377	40,253
Gross loans held for investment	9,648,285	8,460,145
Commercial | Special mention
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	2,650	2,664
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	5,277	115,015
Financing Receivable, Originated Two Years before Latest Fiscal Year	23,129	38,751
Financing Receivable, Originated Three Years before Latest Fiscal Year	8,697	26,423
Financing Receivable, Originated Four Years before Latest Fiscal Year	39	1,983
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	5,322	290
Financing Receivable, Revolving	5,120	19,971
Financing Receivable, Revolving, Converted To Term Loans	7,883	22,797
Gross loans held for investment	58,117	227,894
Commercial | Substandard - accruing
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	15,773
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	7,705	15,854
Financing Receivable, Originated Two Years before Latest Fiscal Year	102,619	18,068
Financing Receivable, Originated Three Years before Latest Fiscal Year	25,010	32,241
Financing Receivable, Originated Four Years before Latest Fiscal Year	6,202	15,297
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	6,962	19,639
Financing Receivable, Revolving	14,742	22,932
Financing Receivable, Revolving, Converted To Term Loans	2,007	1,641
Gross loans held for investment	165,247	141,445
Commercial | Non-accrual
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	736	1,820
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,191	8,360
Financing Receivable, Originated Two Years before Latest Fiscal Year	49	377
Financing Receivable, Originated Three Years before Latest Fiscal Year	12,955	1,292
Financing Receivable, Originated Four Years before Latest Fiscal Year	1,166	802
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	6,196	15,157
Financing Receivable, Revolving	3,619	3,836
Financing Receivable, Revolving, Converted To Term Loans	0	452
Gross loans held for investment	25,912	32,096
Energy
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	71,750	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	12,020
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	7,598
Financing Receivable, Originated Three Years before Latest Fiscal Year	3	32,636
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	1,972
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	15,831	45,117
Financing Receivable, Revolving	633,789	666,874
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	721,373	766,217
Energy | Pass
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	71,750	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	12,020
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	7,598
Financing Receivable, Originated Three Years before Latest Fiscal Year	3	26,931
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	7,188	23,750
Financing Receivable, Revolving	577,988	553,970
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	656,929	624,269
Energy | Special mention
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	0	13,358
Financing Receivable, Revolving	27,421	76,866
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	27,421	90,224
Energy | Substandard - accruing
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	8,643	0
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	8,643	0
Energy | Non-accrual
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	5,705
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	1,972
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	0	8,009
Financing Receivable, Revolving	28,380	36,038
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	28,380	51,724
Mortgage Finance
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	289,042	755,309
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	590,616	1,063,641
Financing Receivable, Originated Two Years before Latest Fiscal Year	656,445	821,122
Financing Receivable, Originated Three Years before Latest Fiscal Year	754,507	483,436
Financing Receivable, Originated Four Years before Latest Fiscal Year	332,001	106,013
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	4,852,886	5,849,888
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	7,475,497	9,079,409
Mortgage Finance | Pass
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	289,042	755,309
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	590,616	1,063,641
Financing Receivable, Originated Two Years before Latest Fiscal Year	656,445	821,122
Financing Receivable, Originated Three Years before Latest Fiscal Year	754,507	483,436
Financing Receivable, Originated Four Years before Latest Fiscal Year	332,001	106,013
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	4,852,886	5,849,888
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	7,475,497	9,079,409
Mortgage Finance | Special mention
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	0	0
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	0	0
Mortgage Finance | Substandard - accruing
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	0	0
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	0	0
Mortgage Finance | Non-accrual
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	0	0
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	0	0
Real Estate
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	934,008	768,716
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	844,518	1,185,276
Financing Receivable, Originated Two Years before Latest Fiscal Year	769,592	1,214,352
Financing Receivable, Originated Three Years before Latest Fiscal Year	481,616	740,292
Financing Receivable, Originated Four Years before Latest Fiscal Year	326,691	429,521
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	762,427	688,138
Financing Receivable, Revolving	587,064	635,366
Financing Receivable, Revolving, Converted To Term Loans	71,614	132,963
Gross loans held for investment	4,777,530	5,794,624
Real Estate | Pass | Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	497,462	352,688
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	576,344	892,831
Financing Receivable, Originated Two Years before Latest Fiscal Year	600,005	923,762
Financing Receivable, Originated Three Years before Latest Fiscal Year	294,005	444,587
Financing Receivable, Originated Four Years before Latest Fiscal Year	155,252	208,426
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	451,042	451,283
Financing Receivable, Revolving	73,988	62,336
Financing Receivable, Revolving, Converted To Term Loans	25,970	61,133
Gross loans held for investment	2,674,068	3,397,046
Real Estate | Pass | Residential Homebuilder Finance
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	155,595	162,397
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	44,362	60,077
Financing Receivable, Originated Two Years before Latest Fiscal Year	9,693	65,271
Financing Receivable, Originated Three Years before Latest Fiscal Year	8,565	3,727
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	5,888
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	12,732	8,483
Financing Receivable, Revolving	460,888	551,703
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	691,835	857,546
Real Estate | Pass | Other Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	166,202	190,995
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	148,811	150,787
Financing Receivable, Originated Two Years before Latest Fiscal Year	119,017	119,696
Financing Receivable, Originated Three Years before Latest Fiscal Year	106,343	120,817
Financing Receivable, Originated Four Years before Latest Fiscal Year	61,723	82,465
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	139,723	113,105
Financing Receivable, Revolving	47,653	16,630
Financing Receivable, Revolving, Converted To Term Loans	29,595	39,129
Gross loans held for investment	819,067	833,624
Real Estate | Pass | Secured By Family
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	96,899	58,515
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	60,659	63,031
Financing Receivable, Originated Two Years before Latest Fiscal Year	40,586	46,623
Financing Receivable, Originated Three Years before Latest Fiscal Year	22,976	54,096
Financing Receivable, Originated Four Years before Latest Fiscal Year	31,826	72,527
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	65,910	31,880
Financing Receivable, Revolving	4,535	4,697
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	323,391	331,369
Real Estate | Special mention | Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	3,475
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	11,170
Financing Receivable, Originated Two Years before Latest Fiscal Year	291	6,485
Financing Receivable, Originated Three Years before Latest Fiscal Year	8,827	88,633
Financing Receivable, Originated Four Years before Latest Fiscal Year	20,089	11,153
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	26,344	17,623
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	1,247
Gross loans held for investment	55,551	139,786
Real Estate | Special mention | Residential Homebuilder Finance
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	353
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	0	0
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	0	353
Real Estate | Special mention | Other Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	7,365	6,700
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	2,240
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	845	1,843
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	4,982	7,195
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	1,018
Gross loans held for investment	13,192	18,996
Real Estate | Special mention | Secured By Family
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	646
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	553	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	635
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	291	1,768
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	844	3,049
Real Estate | Substandard - accruing | Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	17,850	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	327
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	47,708
Financing Receivable, Originated Three Years before Latest Fiscal Year	40,900	11,601
Financing Receivable, Originated Four Years before Latest Fiscal Year	37,393	32,645
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	38,188	30,766
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	2,308	15,940
Gross loans held for investment	136,639	138,987
Real Estate | Substandard - accruing | Residential Homebuilder Finance
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	0	0
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	0	0
Real Estate | Substandard - accruing | Other Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	6,424	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	2,567
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	14,452
Financing Receivable, Originated Four Years before Latest Fiscal Year	16,922	3,301
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	20,184	14,453
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	43,530	34,773
Real Estate | Substandard - accruing | Secured By Family
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	817
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	1,203	109
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	1,203	926
Real Estate | Non-accrual | Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	5,749
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	198	4,852
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	198	10,601
Real Estate | Non-accrual | Residential Homebuilder Finance
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	0	0
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	0	0
Real Estate | Non-accrual | Other Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	927
Financing Receivable, Originated Four Years before Latest Fiscal Year	2,641	5,524
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	1,450	6,403
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	13,741	14,496
Gross loans held for investment	17,832	27,350
Real Estate | Non-accrual | Secured By Family
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated in Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Four Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Five or More Years before Latest Fiscal Year	180	218
Financing Receivable, Revolving	0	0
Financing Receivable, Revolving, Converted To Term Loans	0	0
Gross loans held for investment	$ 180	$ 218

Loans Held for Investment and_5

Loans Held for Investment and Allowance for Loan Losses - Allowance Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for credit losses, beginning balance	$ 254,615	$ 195,047
Provision for credit losses on loans	(29,831)	249,769
Charge-offs	19,597	207,062
Recoveries	6,679	8,276
Net charge-offs (recoveries)	12,918	198,786
Allowance for credit losses, ending balance	211,866	254,615
Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for credit losses, beginning balance		8,585
Commercial
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for credit losses, beginning balance	73,061	102,254
Provision for credit losses on loans	36,733	58,630
Charge-offs	11,987	73,360
Recoveries	4,395	1,277
Net charge-offs (recoveries)	7,592	72,083
Allowance for credit losses, ending balance	102,202	73,061
Commercial | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for credit losses, beginning balance		(15,740)
Energy
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for credit losses, beginning balance	84,064	60,253
Provision for credit losses on loans	(27,045)	126,180
Charge-offs	6,418	133,522
Recoveries	1,967	6,999
Net charge-offs (recoveries)	4,451	126,523
Allowance for credit losses, ending balance	52,568	84,064
Energy | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for credit losses, beginning balance		24,154
Mortgage Finance
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for credit losses, beginning balance	4,699	2,265
Provision for credit losses on loans	1,384	403
Charge-offs	0	0
Recoveries	0	0
Net charge-offs (recoveries)	0	0
Allowance for credit losses, ending balance	6,083	4,699
Mortgage Finance | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for credit losses, beginning balance		2,031
Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for credit losses, beginning balance	92,791	30,275
Provision for credit losses on loans	(40,903)	64,556
Charge-offs	1,192	180
Recoveries	317	0
Net charge-offs (recoveries)	875	180
Allowance for credit losses, ending balance	$ 51,013	92,791
Real Estate | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for credit losses, beginning balance		$ (1,860)

Loans Held for Investment and_6

Loans Held for Investment and Allowance for Loan Losses - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses [Line Items]
Provision/(benefit) for credit losses	$ (10,000)	$ 5,000	$ (19,000)	$ (6,000)	$ 32,000	$ 30,000	$ 100,000	$ 96,000	$ (30,000)	$ 258,000	$ 75,000
Net charge-offs (recoveries)									12,918	198,786
Gross loans held for investment	22,871,961				24,501,830				22,871,961	24,501,830
Nonaccrual loans that met the criteria for restructured	19,400				45,400				19,400	45,400
Criticized
Financing Receivable, Allowance for Credit Losses [Line Items]
Gross loans held for investment	$ 582,900				$ 918,400				582,900	918,400
Leveraged Lending
Financing Receivable, Allowance for Credit Losses [Line Items]
Net charge-offs (recoveries)										198,800
Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable, Allowance for Credit Losses [Line Items]
Provision/(benefit) for credit losses									$ (30,000)	$ 258,000

Loans Held for Investment and_7

Loans Held for Investment and Allowance for Loan Losses - Age Analysis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	$ 22,871,961
Non-accrual	72,502
Non-accrual With No Allowance	17,965
Premium finance loans past due and still accruing	3,300
Interest Income Reversed	1,200	$ 1,300
Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	9,897,561
Non-accrual	25,912
Non-accrual With No Allowance	4,303
Energy
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	721,373
Non-accrual	28,380
Non-accrual With No Allowance	8,857
Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	7,475,497
Non-accrual	0
Non-accrual With No Allowance	0
Real Estate | Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	2,866,456
Non-accrual	198
Non-accrual With No Allowance	0
Real Estate | Residential Homebuilder Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	691,835
Non-accrual	0
Non-accrual With No Allowance	0
Real Estate | Other Financing Receivable
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	893,621
Non-accrual	17,832
Non-accrual With No Allowance	4,805
Real Estate | Secured By Family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	325,618
Non-accrual	180
Non-accrual With No Allowance	0
30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	8,199
30-59 Days Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	6,722
30-59 Days Past Due | Energy
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
30-59 Days Past Due | Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
30-59 Days Past Due | Real Estate | Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
30-59 Days Past Due | Real Estate | Residential Homebuilder Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
30-59 Days Past Due | Real Estate | Other Financing Receivable
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
30-59 Days Past Due | Real Estate | Secured By Family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	1,477
60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	16,023
60-89 Days Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	15,883
60-89 Days Past Due | Energy
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
60-89 Days Past Due | Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
60-89 Days Past Due | Real Estate | Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
60-89 Days Past Due | Real Estate | Residential Homebuilder Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
60-89 Days Past Due | Real Estate | Other Financing Receivable
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
60-89 Days Past Due | Real Estate | Secured By Family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	140
90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	3,467
90 Days or More Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	3,368
90 Days or More Past Due | Energy
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
90 Days or More Past Due | Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
90 Days or More Past Due | Real Estate | Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
90 Days or More Past Due | Real Estate | Residential Homebuilder Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
90 Days or More Past Due | Real Estate | Other Financing Receivable
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
90 Days or More Past Due | Real Estate | Secured By Family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	99
Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	27,689
Total Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	25,973
Total Past Due | Energy
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
Total Past Due | Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
Total Past Due | Real Estate | Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
Total Past Due | Real Estate | Residential Homebuilder Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
Total Past Due | Real Estate | Other Financing Receivable
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	0
Total Past Due | Real Estate | Secured By Family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	1,716
Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	22,771,770
Current | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	9,845,676
Current | Energy
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	692,993
Current | Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	7,475,497
Current | Real Estate | Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	2,866,258
Current | Real Estate | Residential Homebuilder Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	691,835
Current | Real Estate | Other Financing Receivable
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	875,789
Current | Real Estate | Secured By Family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, excluding accrued interest, before allowance for credit loss	$ 323,722

Loans Held for Investment and_8

Loans Held for Investment and Allowance for Loan Losses - Details of Recorded Investment (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of Contracts | loan	8
Balance at Period End | $	$ 40,526
Extended Maturity
Financing Receivable, Modifications [Line Items]
Number of Contracts | loan	3
Balance at Period End | $	$ 13,095
Adjusted Payment Schedule
Financing Receivable, Modifications [Line Items]
Number of Contracts | loan	5
Balance at Period End | $	$ 27,431
Commercial
Financing Receivable, Modifications [Line Items]
Number of Contracts | loan	4
Balance at Period End | $	$ 21,886
Commercial | Extended Maturity
Financing Receivable, Modifications [Line Items]
Number of Contracts | loan	2
Balance at Period End | $	$ 7,390
Commercial | Adjusted Payment Schedule
Financing Receivable, Modifications [Line Items]
Number of Contracts | loan	2
Balance at Period End | $	$ 14,496
Energy loans
Financing Receivable, Modifications [Line Items]
Number of Contracts | loan	4
Balance at Period End | $	$ 18,640
Energy loans | Extended Maturity
Financing Receivable, Modifications [Line Items]
Number of Contracts | loan	1
Balance at Period End | $	$ 5,705
Energy loans | Adjusted Payment Schedule
Financing Receivable, Modifications [Line Items]
Number of Contracts | loan	3
Balance at Period End | $	$ 12,935

Certain Transfers of Financia_3

Certain Transfers of Financial Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Outstanding balance
Beginning balance	$ 281,137	$ 2,568,362
Loans purchased and originated	1,413,899	11,366,986
Payments and loans sold	(1,686,567)	(13,654,211)
Ending balance	8,469	281,137
Fair value adjustment:
Beginning balance	2,028	8,772
Increase/(decrease) to fair value	(2,374)	(6,744)
Ending balance	(346)	2,028
Loans held for sale	8,123	283,165
Small Business Administration Loans
Fair value adjustment:
Beginning balance	$ 44,100	5,800
Ending balance		$ 44,100

Certain Transfers of Financia_4

Certain Transfers of Financial Assets - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Oct. 01, 2021	Dec. 31, 2019
Loans and Leases Receivable Disclosure [Line Items]
Loans held for sale	$ 8,469,000	$ 281,137,000		$ 2,568,362,000
Escrow deposits related to servicing portfolio		152,600,000
Principal amount outstanding of loans in servicing portfolio		13,800,000,000
Estimated exposure related to servicing assets	400,000	621,000
Losses due to repurchase indemnification and make-whole obligations	92,000	8,400,000
Mortgage Servicing Rights
Loans and Leases Receivable Disclosure [Line Items]
MSRs, fair value	0	105,424,000	$ 1,200,000
Estimated exposure related to servicing assets	0	25,967,000		$ 5,803,000
90 Days or More Past Due
Loans and Leases Receivable Disclosure [Line Items]
Loans held for sale	4,000,000	16,700,000
Government guarantees | 90 Days or More Past Due
Loans and Leases Receivable Disclosure [Line Items]
Loans held for sale		3,300,000
Government guarantees | 90 Days or More Past Due | Disposal Group, Held-for-sale, Not Discontinued Operations
Loans and Leases Receivable Disclosure [Line Items]
Loans held for sale		13,400,000
Nonperforming Financial Instruments
Loans and Leases Receivable Disclosure [Line Items]
Loans held for sale	$ 0	$ 7,000,000

Certain Transfers of Financia_5

Certain Transfers of Financial Assets - Schedule of Mortgage Servicing Rights Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Oct. 01, 2021
Valuation Allowance for Impairment of Recognized Servicing Assets, Sales and Disposals [Abstract]
Valuation allowance, beginning balance	$ 621
Valuation allowance, ending balance	400	$ 621
Mortgage Servicing Rights
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance, beginning of year	131,391	70,707
Capitalized servicing rights	15,990	99,678
Amortization	(18,663)	(38,994)
Direct write-down	(279)	0
Sales	(128,439)	0
Balance, end of period	0	131,391
Valuation Allowance for Impairment of Recognized Servicing Assets, Sales and Disposals [Abstract]
Valuation allowance, beginning balance	25,967	5,803
Increase (decrease) in valuation allowance	(25,967)	20,164
Valuation allowance, ending balance	0	25,967
MSRs, net	0	105,424
MSRs, fair value	$ 0	$ 105,424	$ 1,200

Certain Transfers of Financia_6

Certain Transfers of Financial Assets - Schedule of Fair Value Assumption Used to Value Mortgage Servicing Rights Retained (Details) - Mortgage Servicing Rights	12 Months Ended
	Dec. 31, 2020
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)	9.09%
Expected prepayment speeds (percent)	16.37%
Weighted-average life, in years	4 years 10 months 24 days

Certain Transfers of Financia_7

Certain Transfers of Financial Assets - Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets (Details) $ in Thousands	Dec. 31, 2020USD ($)
Transfers and Servicing [Abstract]
50 bp adverse change in prepayment speed	$ (12,203)
100 bp adverse change in prepayment speed	$ (16,062)

Leases - ROU Assets and Lease L

Leases - ROU Assets and Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
ROU assets, finance leases	$ 259	$ 0
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
ROU assets, operating leases	$ 55,330	$ 66,968
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Total ROU assets	$ 55,589	$ 66,968
Present value of lease liabilities	$ 259	$ 0
Finance Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Lease liabilities, operating leases	$ 69,184	$ 82,529
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Total lease liabilities	$ 69,443	$ 82,529

Leases - Narrative (Details)

Leases - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Lessee, Lease, Description [Line Items]
Present value of lease liabilities	$ 259	$ 0
Term of finance lease contract	3 years
Computer Equipment
Lessee, Lease, Description [Line Items]
Present value of lease liabilities	$ 2,600
Minimum | Office Space and Bank Branches
Lessee, Lease, Description [Line Items]
Term of operating lease contract	1 year
Maximum | Office Space and Bank Branches
Lessee, Lease, Description [Line Items]
Term of operating lease contract	11 years

Leases - Net lease cost (Detail

Leases - Net lease cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Finance lease cost:
Amortization of ROU assets	$ 32	$ 0
Interest on lease liabilities	1	0
Operating lease cost	15,608	15,544
Short-term lease cost	19	19
Variable lease cost	4,747	4,476
Sublease income	(107)	(107)
Net lease cost	20,299	19,932
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from finance leases	1	0
Operating cash flows from operating leases	17,666	16,568
Financing cash flows from finance leases	32	0
ROU assets obtained in exchange for new finance leases	291	0
ROU assets obtained in exchange for new operating leases	$ 2,109	$ 833

Leases - Other information (Det

Leases - Other information (Details)	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Weighted-average remaining lease term - finance leases, in years	2 years 8 months 12 days
Weighted-average remaining lease term - operating leases, in years	5 years 10 months 24 days	6 years 6 months
Weighted-average discount rate - finance leases	0.77%
Weighted-average discount rate - operating leases	2.30%	2.74%

Leases - Maturity of remaining

Leases - Maturity of remaining lease liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Finance Leases
2022	$ 98
2023	98
2024	66
2025	0
2026	0
2027 and thereafter	0
Total lease payments	262
Less: Interest	(3)
Present value of lease liabilities	259	$ 0
Operating Leases
2022	17,168
2023	17,205
2024	12,063
2025	5,610
2026	5,473
2027 and thereafter	17,442
Total lease payments	74,961
Less: Interest	(5,777)
Present value of lease liabilities	69,184	$ 82,529
2022	17,266
2023	17,303
2024	12,129
2025	5,610
2026	5,473
2027 and thereafter	17,442
Total lease payments	75,223
Less: Interest	(5,780)
Present value of lease liabilities	$ 69,443

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Schedule of Goodwill and Other Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
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	(6,838)	(6,433)
Total	2,168	2,573
Total goodwill and intangible assets
Gross	24,474	24,474
Accumulated Amortization	(7,212)	(6,807)
Net	$ 17,262	$ 17,667

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Schedule of Estimated Aggregate Future Amortization Expense for Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
2022	$ 405
2023	382
2024	268
2025	268
2026	268
Thereafter	577
Total	$ 2,168	$ 2,573

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization expense related to intangible assets	$ 405	$ 432	$ 471

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Summary of premises and equipment
Premises and equipment, gross	$ 76,461	$ 73,858
Accumulated depreciation	(55,560)	(49,312)
Total premises and equipment, net	20,901	24,546
Depreciation, Depletion and Amortization
Depreciation expense	8,100	9,500	$ 9,200
Premises
Summary of premises and equipment
Premises and equipment, gross	32,609	32,231
Furniture and equipment
Summary of premises and equipment
Premises and equipment, gross	$ 43,852	$ 41,627

Deposits - Schedule of Deposits

Deposits - Schedule of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Non-interest bearing deposits
Non-interest-bearing demand deposits	$ 13,390,370	$ 12,740,947
Interest-bearing deposits:
Transaction	2,837,521	4,396,243
Savings	10,682,768	11,619,880
Time	1,198,706	2,239,519
Total interest-bearing deposits	14,718,995	18,255,642
Total deposits	$ 28,109,365	$ 30,996,589

Deposits - Schedule of Maturiti

Deposits - Schedule of Maturities of Interest-Bearing Time Deposits (Details) $ in Thousands	Dec. 31, 2021USD ($)
Scheduled maturities of interest bearing time deposits
2022	$ 1,059,975
2023	132,036
2024	3,031
2025	3,467
2026	192
2027 and after	5
Total	$ 1,198,706

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
Interest-bearing time deposits of $250,000 or more	$ 186	$ 375.7

Short-Term and Other Borrowin_3

Short-Term and Other Borrowings - Summary of Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Federal Funds Purchased
Debt Instrument [Line Items]
Amount outstanding at year-end	$ 0	$ 107,600
Interest rate at year-end	0.00%	0.15%
Average balance outstanding during the year	$ 88,916	$ 207,121
Weighted-average interest rate during the year	0.15%	0.52%
Maximum month-end outstanding during the year	$ 302,301	$ 300,430
Customer Repurchase Agreements
Debt Instrument [Line Items]
Amount outstanding at year-end	$ 2,832	$ 4,151
Interest rate at year-end	0.25%	0.35%
Average balance outstanding during the year	$ 4,199	$ 5,563
Weighted-average interest rate during the year	0.28%	0.47%
Maximum month-end outstanding during the year	$ 5,487	$ 8,314
FHLB Borrowings
Debt Instrument [Line Items]
Amount outstanding at year-end	$ 2,200,000	$ 3,000,000
Interest rate at year-end	0.13%	0.46%
Average balance outstanding during the year	$ 2,306,165	$ 2,902,732
Weighted-average interest rate during the year	0.19%	0.72%
Maximum month-end outstanding during the year	$ 2,600,000	$ 4,900,000

Short-Term and Other Borrowin_4

Short-Term and Other Borrowings - Summary of Other Borrowing Capacities (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Summary of other borrowing capacities
Total FHLB borrowing capacity	$ 8,542,814,000	$ 10,599,856,000
Unused federal funds lines available from commercial banks	892,000,000	1,030,000,000
Unused Federal Reserve borrowings capacity	2,414,702,000	2,179,000,000
Unused revolving line of credit	75,000,000	130,000,000
Average amount oustanding	0	0	$ 0
FHLB borrowing capacity relating to loans
Summary of other borrowing capacities
Total FHLB borrowing capacity	5,190,703,000	7,653,317,000
FHLB borrowing capacity relating to securities
Summary of other borrowing capacities
Total FHLB borrowing capacity	$ 3,352,111,000	$ 2,946,539,000

Long-Term Debt - Narrative (Det

Long-Term Debt - Narrative (Details) - USD ($) $ in Millions	May 06, 2021	Mar. 09, 2021	Dec. 31, 2021	Dec. 31, 2020	Jan. 31, 2014	Sep. 21, 2012
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Trust preferred securities issued	$ 375				$ 175	$ 111
Stated interest rate	4.00%				5.25%	6.50%
Reference pool of mortgage warehouse loans			$ 2,200
Limit for loss risk transferred			$ 275
Proceeds from issuance of subordinated long-term debt	$ 370.7
Senior Unsecured Credit-Linked Notes
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Long-term debt, weighted average interest rate			5.56%
Senior unsecured credit-linked notes		$ 275
LIBOR | Senior Unsecured Credit-Linked Notes | Minimum
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures		4.50%
LIBOR | Senior Unsecured Credit-Linked Notes | Maximum
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures		4.25%
Trust preferred subordinated debentures
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Total borrowings			$ 113.4
Long-term debt, weighted average interest rate			2.13%	2.82%

Long-Term Debt - Schedule of De

Long-Term Debt - Schedule of Details of the Trust Preferred Subordinated Debentures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	May 06, 2021	Jan. 31, 2014	Sep. 21, 2012
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Trust preferred securities issued		$ 375,000	$ 175,000	$ 111,000
Texas Capital Bancshares Statutory Trust I
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Trust preferred securities issued	$ 10,310
Texas Capital Bancshares Statutory Trust I | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	3.35%
Texas Capital Bancshares Statutory Trust I | Trust preferred subordinated debentures | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	3.35%
Texas Capital Statutory Trust II
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Trust preferred securities issued	$ 10,310
Texas Capital Statutory Trust II | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	3.25%
Texas Capital Statutory Trust II | Trust preferred subordinated debentures | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	3.25%
Texas Capital Statutory Trust III
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Trust preferred securities issued	$ 25,774
Texas Capital Statutory Trust III | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	1.51%
Texas Capital Statutory Trust III | Trust preferred subordinated debentures | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	1.51%
Texas Capital Statutory Trust IV
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Trust preferred securities issued	$ 25,774
Texas Capital Statutory Trust IV | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	1.60%
Texas Capital Statutory Trust IV | Trust preferred subordinated debentures | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	1.60%
Texas Capital Statutory Trust V
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Trust preferred securities issued	$ 41,238
Texas Capital Statutory Trust V | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	1.71%
Texas Capital Statutory Trust V | Trust preferred subordinated debentures | LIBOR
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Interest rate on subordinated debentures	1.71%

Income Taxes - Income Tax Expen

Income Taxes - Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Current:
Federal									$ 97,608	$ 32,701	$ 69,427
State									6,761	920	4,072
Total									104,369	33,621	73,499
Deferred:
Federal									(19,020)	(7,964)	10,796
State									(1,233)	0	0
Total									(20,253)	(7,964)	10,796
Total expense:
Federal									78,588	24,737	80,223
State									5,528	920	4,072
Income tax expense	$ 23,712	$ 13,938	$ 23,555	$ 22,911	$ 22,834	$ 15,060	$ (7,606)	$ (4,631)	$ 84,116	$ 25,657	$ 84,295

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Amount
U.S. statutory rate									$ 70,992	$ 19,309	$ 85,504
State taxes									4,108	726	3,217
Tax-exempt income									(1,855)	(3,356)	(5,127)
Tax credits									(179)	(1,216)	(2,052)
Disallowed FDIC									2,936	3,920	2,468
Disallowed compensation									6,377	3,098	628
Other									1,737	3,176	(343)
Income tax expense	$ 23,712	$ 13,938	$ 23,555	$ 22,911	$ 22,834	$ 15,060	$ (7,606)	$ (4,631)	$ 84,116	$ 25,657	$ 84,295
Rate
U.S. statutory rate									21.00%	21.00%	21.00%
State taxes									1.00%	1.00%	1.00%
Tax-exempt income									(1.00%)	(4.00%)	(1.00%)
Tax credits									0.00%	(1.00%)	(1.00%)
Disallowed FDIC									1.00%	4.00%	1.00%
Disallowed compensation									2.00%	3.00%	0.00%
Other									1.00%	4.00%	0.00%
Total									25.00%	28.00%	21.00%

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Unrecognized tax benefits	$ 722	$ 1,100	$ 1,300
Allowance for credit losses	$ 51,738	59,279
Cumulative Effect, Period of Adoption, Adjustment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses		$ 2,000

Income Taxes - Deferred Tax Ass

Income Taxes - Deferred Tax Asset (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets:
Allowance for credit losses	$ 51,738	$ 59,279
Operating lease liabilities	15,615	17,983
Loan origination fees	11,204	11,181
Stock compensation	4,649	3,913
Non-accrual interest	1,874	1,245
Non-qualified deferred compensation	6,705	5,795
Unrealized loss on securities	12,684	0
Other	1,671	3,136
Total deferred tax assets	106,140	102,532
Deferred tax liabilities:
Loan origination costs	(3,110)	(2,997)
Leases	(8,414)	(8,603)
Operating lease ROU assets	(14,266)	(16,617)
MSRs	0	(22,566)
Depreciation	(10,567)	(14,968)
Unrealized gain on securities	0	(4,193)
Other	(3,446)	(3,381)
Total deferred tax liabilities	(39,803)	(73,325)
Net deferred tax asset	$ 66,337	$ 29,207

Financial Instruments with Of_3

Financial Instruments with Off-Balance Sheet Risk (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Beginning balance of allowance for off-balance sheet credit losses	$ 17,434	$ 8,640
Provision for off-balance sheet credit losses	(169)	8,231
Ending balance of allowance for off-balance sheet credit losses	17,265	17,434
Cumulative Effect, Period of Adoption, Adjustment
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Beginning balance of allowance for off-balance sheet credit losses	563
Ending balance of allowance for off-balance sheet credit losses	0	563
Commitments to extend credit
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Off-balance sheet liability	9,445,763	8,530,453
Standby letters of credit
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Off-balance sheet liability	$ 357,672	$ 268,894

Regulated Operations - Narrativ

Regulated Operations - Narrative (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2009USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Assets	$ 34,731,738	$ 37,726,096	$ 15,000,000
Reference pool of mortgage warehouse loans	2,200,000
Limit for loss risk transferred	$ 275,000
Required reserve balance at the Federal Reserve		$ 0
Basel III, Phased-In
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action provisions, ratio	0.025

Regulatory Restrictions - Sched

Regulatory Restrictions - Schedule of Compliance With Regulatory Capital Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Common Equity Tier 1 [Abstract]
CET1, actual amount	$ 2,949,785	$ 2,708,150
Total capital (to risk-weighted assets):
Total capital (to risk weighted assets), actual amount	4,085,540	3,498,737
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, amount	2,666,348	2,895,437
Tier 1 capital (to risk-weighted assets):
Tier 1 capital (to risk-weighted assets), actual amount	3,359,785	2,968,150
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, amount	1,599,809	1,737,262
Tier 1 capital (to average assets):
Tier 1 capital (to average assets), actual amount	$ 3,359,785	$ 2,968,150
Risk Based Ratios [Abstract]
CET1, actual ratio	11.06%	9.35%
Total capital (to risk weighted assets), actual ratio	0.1532	0.1208
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 capital (to risk-weighted assets), actual ratio	0.1260	0.1025
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, ratio	0.0600	0.0600
Tier 1 capital (to average assets), actual ratio	0.0901	0.0752
Bank
Common Equity Tier 1 [Abstract]
CET1, actual amount	$ 3,013,170	$ 2,744,211
CET1 to be well capitalized under prompt corrective action provisions, amount	1,732,996	1,880,745
Total capital (to risk-weighted assets):
Total capital (to risk weighted assets), actual amount	3,578,014	3,375,983
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, amount	2,666,148	2,893,453
Tier 1 capital (to risk-weighted assets):
Tier 1 capital (to risk-weighted assets), actual amount	3,173,170	2,904,211
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, amount	2,132,918	2,314,763
Tier 1 capital (to average assets):
Tier 1 capital (to average assets), actual amount	3,173,170	2,904,211
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action provisions, amount	$ 1,863,346	$ 1,972,758
Risk Based Ratios [Abstract]
CET1, actual ratio	11.30%	9.48%
CET1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
Total capital (to risk weighted assets), actual ratio	0.1342	0.1167
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 capital (to risk-weighted assets), actual ratio	0.1190	0.1004
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, ratio	0.0800	0.0800
Tier 1 capital (to average assets), actual ratio	0.0851	0.0736
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action provisions, ratio	0.0500	0.0500
Basel III, Phase-In Schedule
Common Equity Tier 1 [Abstract]
CET1 for capital adequacy purposes, amount	$ 1,866,444	$ 2,026,806
Total capital (to risk-weighted assets):
Total capital (to risk weighted assets) for capital adequacy purposes, amount	2,799,666	3,040,209
Tier 1 capital (to risk-weighted assets):
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, amount	2,266,396	2,461,121
Tier 1 capital (to average assets):
Tier 1 capital (to average assets) for capital adequacy purposes, amount	$ 1,490,902	$ 1,578,651
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	0.1050	0.1050
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, ratio	0.0850	0.0850
Tier 1 capital (to average assets) for capital adequacy purposes, ratio	0.0400	0.0400
Basel III, Phase-In Schedule | Bank
Common Equity Tier 1 [Abstract]
CET1 for capital adequacy purposes, amount	$ 1,866,303	$ 2,025,417
Total capital (to risk-weighted assets):
Total capital (to risk weighted assets) for capital adequacy purposes, amount	2,799,455	3,038,126
Tier 1 capital (to risk-weighted assets):
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, amount	2,266,225	2,459,435
Tier 1 capital (to average assets):
Tier 1 capital (to average assets) for capital adequacy purposes, amount	$ 1,490,677	$ 1,578,207
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	0.1050	0.1050
Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, ratio	0.0850	0.0850
Tier 1 capital (to average assets) for capital adequacy purposes, ratio	0.0400	0.0400

Stock-Based Compensation and _3

Stock-Based Compensation and Employee Benefits - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employer contribution	$ 10,200,000	$ 10,300,000	$ 9,500,000
Employer discretionary contributions	$ 274,000	1,000,000	1,000,000
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	764,496
Compensation expense	$ 1,000	26,000	36,000
Compensation cost for all share-based arrangements, net of taxes	$ 30,100,000	$ 15,700,000	11,800,000
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	3 years
Cash based performance
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of cash-based performance units outstanding	13,131
Number of cash-based performance units issued in period	0	0
Cash-based compensation expense	$ 1,300,000	$ 1,800,000	5,800,000
Service based
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	4 years
Stock appreciation rights (SARs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	5 years
Compensation expense	$ 0	$ 0	$ 6,000
Minimum | Time-based RSU
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	3 years
Minimum | Time and performance-based RSU
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	3 years
Maximum | Time-based RSU
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	5 years
Maximum | Time and performance-based RSU
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	4 years
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	164,033	155,933	155,933

Stock-Based Compensation and _4

Stock-Based Compensation and Employee Benefits - Schedule of Stock Appreciation Rights Activity (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Additional Information:
Compensation expense	$ 1,000	$ 26,000	$ 36,000
SARs
SARs
Outstanding at beginning of year (in shares)	12,400	21,200	41,350
Exercised (in shares)	(9,400)	(8,800)	(20,150)
Outstanding at year-end (in shares)	3,000	12,400	21,200
Weighted Average Exercise Price
SARs outstanding at beginning of year, weighted average exercise price	$ 43.48	$ 33.95	$ 29.13
SARs exercised, weighted average exercise price	43.24	20.52	24.07
SARs outstanding at year end, weighted average exercise price	$ 44.20	$ 43.48	$ 33.95
Additional Information:
Vested and exercisable at year-end	3,000	12,400	21,200
SARs vested and exercisable at year end, weighted average exercise price	$ 44.20	$ 43.48	$ 33.95
Weighted average remaining contractual life of vested (in years)	1 year 7 months 28 days	2 years 3 months 3 days	2 years 1 month 20 days
Weighted average remaining contractual life of SARs (in years)	1 year 7 months 28 days	2 years 3 months 3 days	2 years 1 month 20 days
Compensation expense	$ 0	$ 0	$ 6,000
Unrecognized compensation expense	0	0	0
Fair value of shares vested during the year	0	0	37,000
Intrinsic value of exercised	$ 302,000	$ 294,000	$ 724,000

Stock-Based Compensation and _5

Stock-Based Compensation and Employee Benefits - Summary of Status and Changes in Nonvested Restricted Stock Units (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Weighted- Average Grant- Date Fair Value
Compensation expense	$ 1,000	$ 26,000	$ 36,000
RSUs
Number of Shares
Outstanding at beginning of year (in shares)	955,594	558,312	349,533
Granted (in shares)	677,472	631,092	386,913
Exercised (in shares)	(187,530)	(171,494)	(140,666)
Forfeited (in shares)	(238,674)	(62,316)	(37,468)
Outstanding at year-end (in shares)	1,206,862	955,594	558,312
Weighted- Average Grant- Date Fair Value
Balance at beginning of year, weighted average grant-date fair value	$ 48.76	$ 64.95	$ 69.11
Granted, weighted average grant-date fair value	66.31	39.37	59.28
RSUs exercised	58.82	65.17	59.97
Forfeited, weighted average grant-date fair value	53.76	56.92	62.73
Balance at year end, weighted average grant-date fair value	$ 56.06	$ 48.76	$ 64.95
Compensation expense	$ 30,060,000	$ 15,655,000	$ 11,733,000
Unrecognized compensation expense	$ 32,525,000	$ 29,146,000	$ 25,305,000
Weighted average period over which unrecognized compensation expense is expected to be recognized (in years)	2 years 9 months 14 days	2 years 9 months 29 days	3 years 1 month 2 days

Fair Value Disclosures - Schedu

Fair Value Disclosures - Schedule of Assets and Liabilities Measured At Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	$ 3,538,201	$ 3,163,138
Loans held for sale	8,100	239,100
U.S. government agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	120,944	123,589
Tax-exempt asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	180,033	199,176
CRT securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	11,846	11,417
Fair value measurements, recurring basis | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	33,589	26,593
Loans held for sale	0	0
Derivative assets	0	0
Derivative liabilities	0	0
Non-qualified deferred compensation plan liabilities	29,695	26,593
Fair value measurements, recurring basis | Level 1 | U.S. government agency 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 | 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	0
Fair value measurements, recurring basis | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	12,018	7,239
Loans held for sale	465	232,147
Derivative assets	37,788	102,720
Derivative liabilities	37,788	99,255
Non-qualified deferred compensation plan liabilities	0	0
Fair value measurements, recurring basis | Level 2 | U.S. government agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	120,944	123,589
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	3,225,378	2,828,956
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	0
Fair value measurements, recurring basis | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Loans held for sale	7,658	6,933
Derivative assets	0	0
Derivative liabilities	0	0
Non-qualified deferred compensation plan liabilities	0	0
Fair value measurements, recurring basis | Level 3 | U.S. government agency 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 | 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	180,033	199,176
Fair value measurements, recurring basis | Level 3 | CRT securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	$ 11,846	11,417
Fair value measurements, nonrecurring basis | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment		0
Fair value measurements, nonrecurring basis | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment		0
Fair value measurements, nonrecurring basis | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment		$ 21,209

Fair Value Disclosures - Level

Fair Value Disclosures - Level 3 Fair Value Assets Measured on a Recurring Basis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at Beginning of Period	$ 6,933	$ 7,043
Purchases / Additions	2,125	1,472
Sales / Reductions	(1,428)	(2,077)
Realized	5	248
Unrealized	23	247
Balance at End of Period	7,658	6,933
Tax-exempt asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at Beginning of Period	199,176	197,027
Purchases / Additions	0	8,470
Sales / Reductions	(14,314)	(6,755)
Realized	0	0
Unrealized	(4,829)	434
Balance at End of Period	180,033	199,176
CRT securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at Beginning of Period	11,417	11,964
Purchases / Additions	0	0
Sales / Reductions	0	0
Realized	0	0
Unrealized	429	(547)
Balance at End of Period	$ 11,846	$ 11,417

Fair Value Disclosures - Narrat

Fair Value Disclosures - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Tax-exempt asset-backed securities | Minimum
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, term	4 years 7 months 2 days
Tax-exempt asset-backed securities | Maximum
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, term	4 years 7 months 17 days
CRT securities | Minimum
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, term	4 years 9 months
CRT securities | Maximum
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, term	9 years 6 months 18 days
Impaired loans
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Asset measured on nonrecurring basis, reported fair value	$ 0	$ 21.2
Asset measured on nonrecurring basis, carrying value		25.3
Asset measured on nonrecurring basis, specific valuation allowance		$ 4.1
Measurement Input, Discount Rate
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Loans held-for-sale, measurement input	0.978	0.972
Measurement Input, Discount Rate | Tax-exempt asset-backed securities
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Asset-backed securities, measurement input	0.0260
Asset-backed securities, term	4 years 7 months 9 days
Measurement Input, Discount Rate | Tax-exempt asset-backed securities | Minimum
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, measurement input	0.0255
Measurement Input, Discount Rate | Tax-exempt asset-backed securities | Maximum
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, measurement input	0.0266
Measurement Input, Discount Rate | Tax-exempt asset-backed securities | Weighted Average
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, measurement input		0.0249
Debt securities, available-for-sale, term		5 years 6 months 10 days
Measurement Input, Discount Rate | CRT securities | Minimum
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, measurement input	0.0333
Measurement Input, Discount Rate | CRT securities | Maximum
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, measurement input	0.0825
Measurement Input, Discount Rate | CRT securities | Weighted Average
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, measurement input	0.0497	0.0436
Debt securities, available-for-sale, term	6 years 4 months 6 days	7 years 5 months 26 days

Fair Value Disclosures - Summar

Fair Value Disclosures - Summary of the Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	$ 3,538,201	$ 3,163,138
Loans held for sale	8,100	239,100
Long-term debt	928,738	395,896
Level 1 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	7,946,659	9,206,380
Investment securities	33,589	26,593
Level 1 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	7,946,659	9,206,380
Investment securities	33,589	26,593
Level 2 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	3,358,340	2,959,784
Loans held for sale	465	232,147
Derivative assets	37,788	102,720
Federal funds purchased and repurchase agreements	2,832	111,751
Other borrowings	2,200,000	3,000,000
Long-term debt	928,738	395,896
Derivative liabilities	37,788	99,255
Level 2 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	3,358,340	2,959,784
Loans held for sale	465	232,147
Derivative assets	37,788	102,720
Federal funds purchased and repurchase agreements	2,832	111,751
Other borrowings	2,200,000	3,000,000
Long-term debt	952,404	405,110
Derivative liabilities	37,788	99,255
Level 3 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	191,879	210,593
Loans held for sale	7,658	6,933
Loans held for investment, net	22,595,088	24,176,245
Deposits	28,109,365	30,996,589
Level 3 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities	191,879	210,593
Loans held for sale	7,658	6,933
Loans held for investment, net	22,631,252	24,233,185
Deposits	$ 28,109,762	$ 30,997,980

Parent Company Only - Balance S

Parent Company Only - Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2009
Assets
Loans held for investment	$ 15,331,457	$ 15,351,451
Other assets	559,897	715,699
Total assets	34,731,738	37,726,096			$ 15,000,000
Liabilities and Stockholders’ Equity
Long-term debt	928,738	395,896
Total liabilities	31,522,122	34,854,872
Preferred stock	300,000	150,000
Common stock	506	504
Additional paid-in capital	1,008,559	991,898
Retained earnings	1,948,274	1,713,056
Treasury stock	(8)	(8)
Accumulated other comprehensive income/(loss)	(47,715)	15,774
Total stockholders’ equity	3,209,616	2,871,224	$ 2,801,321	$ 2,480,308
Total liabilities and stockholders’ equity	34,731,738	37,726,096
Texas Capital Bancshares, Inc.
Assets
Cash and cash equivalents	438,761	57,472	$ 71,462	$ 89,561
Loans held for investment	0	7,500
Investment in subsidiaries	3,155,954	2,930,843
Other assets	91,301	89,551
Total assets	3,686,016	3,085,366
Liabilities and Stockholders’ Equity
Other liabilities	3,668	1,320
Long-term debt	484,316	222,222
Total liabilities	487,984	223,542
Preferred stock	300,000	150,000
Common stock	506	504
Additional paid-in capital	1,018,711	1,002,050
Retained earnings	1,926,538	1,693,504
Treasury stock	(8)	(8)
Accumulated other comprehensive income/(loss)	(47,715)	15,774
Total stockholders’ equity	3,198,032	2,861,824
Total liabilities and stockholders’ equity	$ 3,686,016	$ 3,085,366

Parent Company Only - Statement

Parent Company Only - Statement of Earnings (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Earnings
Interest on loans									$ 820,532	$ 993,670	$ 1,273,547
Interest expense	$ 25,860	$ 26,053	$ 27,496	$ 28,339	$ 32,153	$ 36,162	$ 42,082	$ 77,689	107,748	188,086	385,592
Salaries and employee benefits									350,930	340,529	328,483
Legal and professional									41,152	52,132	52,460
Other non-interest expense									39,715	41,809	44,701
Income tax expense	(23,712)	(13,938)	(23,555)	(22,911)	(22,834)	(15,060)	7,606	4,631	(84,116)	(25,657)	(84,295)
Net income	65,130	43,390	73,481	71,938	60,176	57,116	(34,316)	(16,687)	253,939	66,289	312,015
Preferred stock dividends	4,313	4,312	6,317	3,779	2,437	2,438	2,437	2,438	18,721	9,750	9,750
Net income available to common stockholders	$ 60,817	$ 39,078	$ 67,164	$ 68,159	$ 57,739	$ 54,678	$ (36,753)	$ (19,125)	235,218	56,539	302,265
Texas Capital Bancshares, Inc.
Statement of Earnings
Interest on loans									3,404	3,402	3,401
Dividend income									10,472	10,496	10,551
Other income									5	3	17
Total income									13,881	13,901	13,969
Interest expense									15,946	10,515	12,342
Salaries and employee benefits									720	725	607
Legal and professional									1,803	3,238	3,093
Other non-interest expense									4,375	4,553	1,889
Total expense									22,844	19,031	17,931
Loss before income taxes and equity in undistributed income of subsidiary									(8,963)	(5,130)	(3,962)
Income tax expense									(2,179)	(1,135)	(861)
Income before income taxes									(6,784)	(3,995)	(3,101)
Equity in undistributed income of subsidiary									258,539	68,100	312,932
Net income									251,755	64,105	309,831
Preferred stock dividends									18,721	9,750	9,750
Net income available to common stockholders									$ 233,034	$ 54,355	$ 300,081

Parent Company Only - Stateme_2

Parent Company Only - Statement of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating activities
Net income	$ 65,130	$ 43,390	$ 73,481	$ 71,938	$ 60,176	$ 57,116	$ (34,316)	$ (16,687)	$ 253,939	$ 66,289	$ 312,015
Adjustments to reconcile net income to net cash provided by/(used in) operating activities:
Increase in other assets									154,114	10,654	(143,538)
Increase (decrease) in other liabilities									(70,154)	5,749	98,735
Net cash provided by/(used in) operating activities									657,315	2,639,869	(240,189)
Investing Activities
Net cash provided by/(used in) investing activities									1,232,786	(2,935,317)	(2,276,156)
Financing Activities
Net proceeds from issuance of preferred stock									289,723	0	0
Redemption of preferred stock									(150,000)	0	0
Preferred dividends paid									(18,721)	(9,750)	(9,750)
Redemption of long-term debt									(111,000)	0	0
Net proceeds from issuance of long-term debt									639,440	0	0
Net cash provided by/(used in) financing activities									(3,149,822)	5,076,245	3,861,863
Texas Capital Bancshares, Inc.
Operating activities
Net income									251,755	64,105	309,831
Adjustments to reconcile net income to net cash provided by/(used in) operating activities:
Equity in undistributed income of subsidiary									(258,539)	(68,100)	(312,932)
Amortization									2,469	101	101
Increase in other assets									(1,750)	(912)	(1,187)
Increase (decrease) in other liabilities									2,348	(448)	297
Net cash provided by/(used in) operating activities									(3,717)	(5,254)	(3,890)
Investing Activities
Net (increase)/decrease in loans held for investment									7,500	3,000	(3,000)
Net cash provided by/(used in) investing activities									7,500	3,000	(3,000)
Financing Activities
Costs from issuance of stock related to stock-based awards and warrants									(3,121)	(1,986)	(1,459)
Net proceeds from issuance of preferred stock									289,723	0	0
Redemption of preferred stock									(150,000)	0	0
Preferred dividends paid									(18,721)	(9,750)	(9,750)
Redemption of long-term debt									(111,000)	0	0
Net proceeds from issuance of long-term debt									370,625	0	0
Net cash provided by/(used in) financing activities									377,506	(11,736)	(11,209)
Net increase (decrease) in cash and cash equivalents									381,289	(13,990)	(18,099)
Cash and cash equivalents at beginning of period				$ 57,472				$ 71,462	57,472	71,462	89,561
Cash and cash equivalents at end of period	$ 438,761				$ 57,472				$ 438,761	$ 57,472	$ 71,462

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Related Party Transactions [Abstract]
Deposits from related parties	$ 10.2	$ 11.6

Derivative Financial Instrume_3

Derivative Financial Instruments - Schedule of Derivative Instruments (Details) - Non-hedging derivatives: - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Derivative [Line Items]
Estimated fair value, asset derivative	$ 41,016	$ 102,791
Estimated fair value, liability derivative	41,016	99,326
Offsetting derivative liabilities	(3,228)	(71)
Offsetting derivative assets	(3,228)	(71)
Net asset derivatives included in the consolidated balance sheets	37,788	102,720
Net liability derivatives included in the consolidated balance sheets	37,788	99,255
Interest rate contract | Loan purchase commitments
Derivative [Line Items]
Non-hedging derivatives, notional amoount	0	332,145
Estimated fair value, asset derivative	0	5,123
Estimated fair value, liability derivative	0	8
Interest rate contract | Forward sale commitments
Derivative [Line Items]
Non-hedging derivatives, notional amoount	0	485,326
Estimated fair value, asset derivative	0	0
Estimated fair value, liability derivative	0	2,675
Interest rate swap futures
Derivative [Line Items]
Residential MSRs, notional amount	0	320,000
Estimated fair value, asset derivative	0	474
Estimated fair value, liability derivative	0	0
Forward sale commitments
Derivative [Line Items]
Residential MSRs, notional amount	0	155,000
Estimated fair value, asset derivative	0	551
Estimated fair value, liability derivative	0	0
Financial institution counterparties: | Commercial loan/lease | Commercial loan/lease interest rate swaps
Derivative [Line Items]
Non-hedging derivatives, notional amoount	1,768,045	1,922,956
Estimated fair value, asset derivative	3,228	71
Estimated fair value, liability derivative	37,694	96,246
Financial institution counterparties: | Commercial loan/lease | Commercial loan/lease interest rate caps
Derivative [Line Items]
Non-hedging derivatives, notional amoount	191,291	565,634
Estimated fair value, asset derivative	94	34
Estimated fair value, liability derivative	0	0
Financial institution counterparties: | Commercial loan/lease | Foreign currency forward contracts
Derivative [Line Items]
Non-hedging derivatives, notional amoount	0	6,667
Estimated fair value, asset derivative	0	214
Estimated fair value, liability derivative	0	78
Customer counterparties: | Commercial loan/lease | Commercial loan/lease interest rate swaps
Derivative [Line Items]
Non-hedging derivatives, notional amoount	1,768,045	1,922,956
Estimated fair value, asset derivative	37,694	96,246
Estimated fair value, liability derivative	3,228	71
Customer counterparties: | Commercial loan/lease | Commercial loan/lease interest rate caps
Derivative [Line Items]
Non-hedging derivatives, notional amoount	191,291	565,634
Estimated fair value, asset derivative	0	0
Estimated fair value, liability derivative	94	34
Customer counterparties: | Commercial loan/lease | Foreign currency forward contracts
Derivative [Line Items]
Non-hedging derivatives, notional amoount	0	6,667
Estimated fair value, asset derivative	0	78
Estimated fair value, liability derivative	$ 0	$ 214

Derivative Financial Instrume_4

Derivative Financial Instruments Derivative Financial Instruments - Schedule of Weighted Average Interest Rate Received and Paid (Details) - Non-hedging derivatives: - Commercial loan/lease - Commercial loan/lease interest rate swaps	Dec. 31, 2021	Dec. 31, 2020
Interest rate received | Financial institution counterparties:
Derivative [Line Items]
Weighted average fixed interest rate	1.15%	1.38%
Interest rate received | Customer counterparties:
Derivative [Line Items]
Weighted average fixed interest rate	2.65%	3.14%
Interest rate paid | Financial institution counterparties:
Derivative [Line Items]
Weighted average fixed interest rate	2.65%	3.14%
Interest rate paid | Customer counterparties:
Derivative [Line Items]
Weighted average fixed interest rate	1.15%	1.38%

Derivative Financial Instrume_5

Derivative Financial Instruments Derivative Financial Instruments - Narrative (Details)	Dec. 31, 2021USD ($)instrument	Dec. 31, 2020USD ($)instrument
Derivative [Line Items]
Cash collateral pledged for derivatives	$ 40,300,000	$ 108,300,000
Risk participation agreement - participant bank
Derivative [Line Items]
Instruments held | instrument	7	9
Non-hedging derivatives, notional amoount	$ 79,200,000	$ 119,500,000
Maximum exposure	$ 2,300,000	$ 6,000,000
Risk participation agreement - lead bank
Derivative [Line Items]
Instruments held | instrument	15	16
Non-hedging derivatives, notional amoount	$ 156,100,000	$ 165,900,000
Non-hedging derivatives: | Commercial loan/lease
Derivative [Line Items]
Credit risk exposure, net of collateral pledged, relating to derivatives	$ 37,800,000	$ 102,700,000
Non-hedging derivatives: | Commercial loan/lease interest rate caps | Commercial loan/lease
Derivative [Line Items]
Weighted average fixed interest rate	2.54%	3.41%
Interest-bearing deposits
Derivative [Line Items]
Cash collateral pledged for derivatives		$ 104,400,000
Other assets
Derivative [Line Items]
Cash collateral pledged for derivatives		$ 3,900,000

Material Transactions Affecti_2

Material Transactions Affecting Stockholders' Equity (Details) - USD ($)	Mar. 03, 2021	Dec. 31, 2021	Dec. 31, 2020
Equity Distribution Agreement [Line Items]
Preferred stock, liquidation value (in usd per share)		$ 1,000	$ 1,000
Issuance of preferred stock		$ 289,723,000
Par value of preferred stock (in usd per share)		$ 0.01	$ 0.01
Series B Preferred Stock
Equity Distribution Agreement [Line Items]
Preferred stock, dividend rate, percentage	5.75%
Preferred stock, liquidation value (in usd per share)	$ 1,000
Issuance of preferred stock		$ 289,700,000
Depository Shares
Equity Distribution Agreement [Line Items]
Preferred stock, liquidation value (in usd per share)	$ 25
Issuance of preferred stock (in shares)	12,000,000
Series A Preferred Stock
Equity Distribution Agreement [Line Items]
Preferred stock, dividend rate, percentage		6.50%
Par value of preferred stock (in usd per share)		$ 0.01

Quarterly Financial Data (Detai

Quarterly Financial Data (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Selected Quarterly Financial Information [Abstract]
Interest income	$ 219,892	$ 216,589	$ 216,953	$ 223,151	$ 245,348	$ 241,554	$ 248,648	$ 303,857	$ 876,585	$ 1,039,407	$ 1,354,823
Interest expense	25,860	26,053	27,496	28,339	32,153	36,162	42,082	77,689	107,748	188,086	385,592
Net interest income	194,032	190,536	189,457	194,812	213,195	205,392	206,566	226,168	768,837	851,321	969,231
Provision/(benefit) for credit losses	(10,000)	5,000	(19,000)	(6,000)	32,000	30,000	100,000	96,000	(30,000)	258,000	75,000
Net interest income after provision for credit losses	204,032	185,536	208,457	200,812	181,195	175,392	106,566	130,168	798,837	593,321	894,231
Non-interest income	31,459	24,779	37,639	44,353	52,678	62,525	73,847	13,931	138,230	202,981	102,368
Non-interest expense	146,649	152,987	149,060	150,316	150,863	165,741	222,335	165,417	599,012	704,356	600,289
Income before income taxes	88,842	57,328	97,036	94,849	83,010	72,176	(41,922)	(21,318)	338,055	91,946	396,310
Income tax expense	23,712	13,938	23,555	22,911	22,834	15,060	(7,606)	(4,631)	84,116	25,657	84,295
Net income	65,130	43,390	73,481	71,938	60,176	57,116	(34,316)	(16,687)	253,939	66,289	312,015
Preferred stock dividends	4,313	4,312	6,317	3,779	2,437	2,438	2,437	2,438	18,721	9,750	9,750
Net income available to common stockholders	$ 60,817	$ 39,078	$ 67,164	$ 68,159	$ 57,739	$ 54,678	$ (36,753)	$ (19,125)	$ 235,218	$ 56,539	$ 302,265
Basic earnings per share:
Basic earnings per common share	$ 1.20	$ 0.76	$ 1.31	$ 1.33	$ 1.14	$ 1.08	$ (0.73)	$ (0.38)	$ 4.65	$ 1.12	$ 6.01
Diluted earnings per share:
Diluted earnings per common share	$ 1.19	$ 0.76	$ 1.31	$ 1.33	$ 1.14	$ 1.08	$ (0.73)	$ (0.38)	$ 4.60	$ 1.12	$ 5.99