Texas Capital Bancshares (TCBI) 10-K 11 Feb 25 2024 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2024	Feb. 10, 2025	Jun. 30, 2024
Entity Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2024
Current Fiscal Year End Date	--12-31
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
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 2,779,596,000
Entity Common Stock, Shares Outstanding		46,012,977
Entity Registrant Name	TEXAS CAPITAL BANCSHARES INC/TX
Entity Central Index Key	0001077428
Document Fiscal Year Focus	2024
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, 2024
Audit Information [Abstract]
Auditor Name	Ernst & Young LLP
Auditor Location	Dallas, TX
Auditor Firm ID	42

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 176,501	$ 200,493
Interest bearing cash and cash equivalents	3,012,307	3,042,357
Available-for-sale debt securities	3,524,686	3,225,892
Held-to-maturity debt securities	796,168	865,477
Equity securities	75,261	51,825
Investment securities	4,396,115	4,143,194
Loans held for sale	0	44,105
Loans held for investment, mortgage finance	5,215,574	3,978,328
Loans held for investment	17,234,492	16,362,230
Less: Allowance for credit losses on loans	271,709	249,973
Loans held for investment, net	22,178,357	20,090,585
Premises and equipment, net	85,443	32,366
Accrued interest receivable and other assets	881,664	801,670
Goodwill and intangibles, net	1,496	1,496
Total assets	30,731,883	28,356,266
Deposits [Abstract]
Non-interest bearing deposits	7,485,428	7,328,276
Interest bearing deposits	17,753,171	15,043,563
Total deposits	25,238,599	22,371,839
Accrued interest payable	23,680	33,234
Other liabilities	556,322	392,904
Short-term borrowings	885,000	1,500,000
Long-term debt	660,346	859,147
Total liabilities	27,363,947	25,157,124
Stockholders’ equity:
Preferred stock	300,000	300,000
Common stock	515	511
Additional paid-in capital	1,056,719	1,045,576
Retained earnings	2,495,651	2,435,393
Treasury stock - 5,286,503 and 3,905,067 shares at cost at December 31, 2024 and 2023, respectively	(301,842)	(220,334)
Accumulated other comprehensive loss, net of taxes	(183,107)	(362,004)
Total stockholders’ equity	3,367,936	3,199,142
Total liabilities and stockholders’ equity	$ 30,731,883	$ 28,356,266

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
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	300,000
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	100,000,000	100,000,000
Common stock, shares issued	51,520,315	51,142,979
Treasury stock, shares	5,286,503	3,905,067

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME AND OTHER COMPREHENSIVE INCOME/(LOSS) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest income
Interest and fees on loans	$ 1,377,925	$ 1,300,653	$ 983,794
Investment securities	148,219	108,294	63,179
Interest bearing cash and cash equivalents	203,406	220,976	97,271
Total interest income	1,729,550	1,629,923	1,144,244
Interest expense
Deposits	736,196	587,775	190,663
Short-term borrowings	49,994	70,642	29,077
Long-term debt	42,060	57,383	48,739
Total interest expense	828,250	715,800	268,479
Net interest income	901,300	914,123	875,765
Provision for credit losses	67,000	72,000	66,000
Net interest income after provision for credit losses	834,300	842,123	809,765
Non-interest income
Service charges on deposit accounts	25,546	20,874	23,266
Wealth management and trust fee income	15,315	13,955	15,036
Brokered loan fees	8,961	8,918	14,159
Investment banking and advisory fees	104,965	63,670	24,974
Trading income	21,635	22,512	10,080
Gain on disposal of subsidiary	0	0	248,526
Available-for-sale debt securities gains/(losses), net	(179,581)	489	0
Other	34,205	31,001	13,481
Total non-interest income	31,046	161,419	349,522
Non-interest expense
Salaries and benefits	466,578	459,700	434,906
Occupancy expense	45,266	38,494	44,222
Marketing	22,349	25,854	32,388
Legal and professional	53,783	64,924	75,858
Communications and technology	93,085	81,262	69,253
Federal Deposit Insurance Corporation insurance assessment	23,351	36,775	14,344
Other	53,873	49,938	56,561
Total non-interest expense	758,285	756,947	727,532
Income before income taxes	107,061	246,595	431,755
Income tax expense	29,553	57,454	99,277
Net income	77,508	189,141	332,478
Preferred stock dividends	(17,250)	(17,250)	(17,250)
Net income available to common stockholders	60,258	171,891	315,228
Other comprehensive income/(loss)
Change in unrealized gain/(loss)	(31,555)	4,323	(479,814)
Amounts reclassified into net income	253,277	67,752	9,905
Other comprehensive income/(loss)	221,722	72,075	(469,909)
Income tax expense/(benefit)	42,825	15,136	(98,681)
Other comprehensive income/(loss), net of tax	178,897	56,939	(371,228)
Comprehensive income/(loss)	$ 256,405	$ 246,080	$ (38,750)
Basic earnings per common share
Basic earnings/(loss) per common share (in usd per share)	$ 1.29	$ 3.58	$ 6.25
Diluted earnings per common share
Diluted earnings/(loss) per common share (in usd per share)	$ 1.28	$ 3.54	$ 6.18

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive Income/(Loss)
Beginning balance, preferred stock (in shares) at Dec. 31, 2021		300,000
Beginning balance at Dec. 31, 2021	$ 3,209,616	$ 300,000	$ 506	$ 1,008,559	$ 1,948,274	$ (8)	$ (47,715)
Beginning balance, common stock (in shares) at Dec. 31, 2021			50,618,911
Beginning balance, treasury stock (in shares) at Dec. 31, 2021						417
Comprehensive income/(loss):
Net income	332,478				332,478
Change in other comprehensive income/(loss), net of taxes	(371,228)						(371,228)
Total comprehensive income	(38,750)
Stock-based compensation expense recognized in earnings	21,246			21,246
Preferred stock dividend	(17,250)				(17,250)
Issuance of stock related to stock-based awards (in shares)			248,387
Issuance of stock related to stock-based awards	(4,209)		$ 3	(4,212)
Repurchase of common stock (shares)						(2,083,118)
Repurchase of common stock						$ (115,302)
Ending balance, preferred stock (in shares) at Dec. 31, 2022		300,000
Ending balance at Dec. 31, 2022	3,055,351	$ 300,000	$ 509	1,025,593	2,263,502	$ (115,310)	(418,943)
Ending balance, common stock (in shares) at Dec. 31, 2022			50,867,298
Ending balance, treasury stock (in shares) at Dec. 31, 2022						2,083,535
Comprehensive income/(loss):
Net income	189,141				189,141
Change in other comprehensive income/(loss), net of taxes	56,939						56,939
Total comprehensive income	246,080
Stock-based compensation expense recognized in earnings	24,200			24,200
Preferred stock dividend	(17,250)				(17,250)
Issuance of stock related to stock-based awards (in shares)			275,681
Issuance of stock related to stock-based awards	(4,215)		$ 2	(4,217)
Repurchase of common stock (shares)						(1,821,532)
Repurchase of common stock	(105,024)					$ (105,024)
Ending balance, preferred stock (in shares) at Dec. 31, 2023		300,000
Ending balance at Dec. 31, 2023	$ 3,199,142	$ 300,000	$ 511	1,045,576	2,435,393	$ (220,334)	(362,004)
Ending balance, common stock (in shares) at Dec. 31, 2023			51,142,979
Ending balance, treasury stock (in shares) at Dec. 31, 2023	3,905,067					3,905,067
Comprehensive income/(loss):
Net income	$ 77,508				77,508
Change in other comprehensive income/(loss), net of taxes	178,897						178,897
Total comprehensive income	256,405
Stock-based compensation expense recognized in earnings	20,212			20,212
Preferred stock dividend	(17,250)				(17,250)
Issuance of stock related to stock-based awards (in shares)			377,336
Issuance of stock related to stock-based awards	(9,065)		$ 4	(9,069)
Repurchase of common stock (shares)						(1,381,436)
Repurchase of common stock	(81,508)					$ (81,508)
Ending balance, preferred stock (in shares) at Dec. 31, 2024		300,000
Ending balance at Dec. 31, 2024	$ 3,367,936	$ 300,000	$ 515	$ 1,056,719	$ 2,495,651	$ (301,842)	$ (183,107)
Ending balance, common stock (in shares) at Dec. 31, 2024			51,520,315
Ending balance, treasury stock (in shares) at Dec. 31, 2024	5,286,503					5,286,503

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating activities
Net income	$ 77,508	$ 189,141	$ 332,478
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	67,000	72,000	66,000
Deferred tax benefit	(16,086)	(17,784)	(17,395)
Depreciation and amortization	54,228	40,473	45,284
Net (gain)/loss on sale of loans held for sale	0	0	990
Net (gain)/loss recognized on investment securities	173,995	(4,060)	0
Stock-based compensation expense	24,693	24,200	21,432
Purchases and originations of loans held for sale	0	(15,706)	(37,461)
Proceeds from sales and repayments of loans held for sale	62,516	134,948	8,132
Gain on sale of subsidiary	0	0	(248,526)
Changes in operating assets and liabilities:
Accrued interest receivable and other assets	(1,611)	(78,606)	(25,482)
Accrued interest payable and other liabilities	38,878	29,134	2,518
Net cash provided by operating activities	481,121	373,740	147,970
Investing activities
Purchases of available-for-sale debt securities	(1,999,073)	(849,391)	(920,217)
Proceeds from sales of available-for-sale debt securities	1,057,159	56,923	0
Proceeds from maturities, redemptions and pay-downs of available-for-sale debt securities	638,906	225,034	432,175
Proceeds from maturities, redemptions and pay-downs of held-to-maturity debt securities	72,812	73,770	87,945
Sales/(purchases) of equity securities, net	(17,850)	(14,298)	11,651
Originations of loans held for investment, mortgage finance	(83,658,262)	(75,671,642)	(102,438,943)
Proceeds from pay-offs of loans held for investment, mortgage finance	82,421,016	75,783,347	105,824,407
Net increase in loans held for investment, excluding mortgage finance loans	(928,967)	(1,342,840)	(3,001,340)
Proceeds from sale of subsidiary	0	0	3,324,159
Purchase of premises and equipment, net	(64,841)	(16,381)	(11,270)
Net cash provided by/(used in) investing activities	(2,479,100)	(1,755,478)	3,308,567
Financing activities
Net increase/(decrease) in deposits	2,866,760	(485,041)	(5,252,485)
Issuance of stock related to stock-based awards	(9,065)	(4,215)	(4,209)
Preferred stock dividends paid	(17,250)	(17,250)	(17,250)
Repurchase of common stock	(81,508)	(105,024)	(115,302)
Net increase/(decrease) in short-term borrowings	(615,000)	298,858	(1,001,690)
Redemption of long-term debt	(200,000)	(75,000)	0
Net cash provided by/(used in) financing activities	1,943,937	(387,672)	(6,390,936)
Net decrease in cash and cash equivalents	(54,042)	(1,769,410)	(2,934,399)
Cash and cash equivalents at beginning of period	3,242,850	5,012,260	7,946,659
Cash and cash equivalents at end of period	3,188,808	3,242,850	5,012,260
Supplemental disclosures of cash flow information
Cash paid during the period for interest	837,804	773,034	252,178
Cash paid during the period for income taxes	52,815	71,941	128,435
Transfers of loans from held for investment to held for sale	18,411	126,990	0
Transfers of debt securities from available-for-sale to held-to-maturity	$ 0	$ 0	$ 1,019,365

Operations and Summary of Signi

Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2024
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. (“TCBI” or the “Company”) is a registered bank holding company and a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs and individual customers. TCBI is headquartered in Dallas, with primary banking offices in Austin, Dallas, Fort Worth, Houston and San Antonio, and has built a network of clients across the country. The Company’s business activities are conducted primarily through its wholly-owned bank subsidiary Texas Capital Bank (the “Bank”) and its wholly-owned non-bank subsidiary, TCBI Securities Inc. (“TCBI Securities”). The Bank is a Texas state-chartered bank. TCBI Securities is a registered broker-dealer with the U.S. Securities and Exchange Commission (“SEC”) and a member of the Financial Industry Regulatory Authority (“FINRA”) and Municipal Securities Rulemaking Board (“MSRB”). The Company was incorporated as a Delaware corporation in 1996 and commenced banking operations in 1998. Basis of Presentation The Company’s accounting and reporting policies conform to accounting principles generally accepted in the United States (“GAAP”) and to generally accepted practices within the banking industry. Certain prior period balances have been reclassified to conform to the current period presentation. Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for credit losses, the fair value of financial instruments and the status of contingencies are particularly susceptible to significant change. See the Allowance for Credit Losses accounting policy below for additional details of these changes. 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. 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. 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. Gains or losses realized upon the sale of debt securities are recorded 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. The Company has made a policy election to exclude accrued interest from the amortized cost basis of debt securities and report accrued interest separately in accrued interest and other assets on the consolidated balance sheets. Available-for-sale and held-to-maturity debt securities are placed on non-accrual status when management no longer expects 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, the Company does not recognize an allowance for credit loss against accrued interest receivable. 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 the Company has the positive intent and ability to hold the securities to maturity. Held-to-maturity securities are stated at amortized cost, net of any allowance for credit losses. Management may transfer debt securities classified as available-for-sale to held-to-maturity when upon reassessment it is determined that the Company has both the positive intent and ability to hold these securities to maturity. The debt securities are transferred at fair value resulting in a premium or discount recorded on transfer date. Unrealized gains or losses at the date of transfer continue to be reported as a separate component of accumulated other comprehensive income/loss, net (“AOCI”). The premium or discount and the unrealized gain or loss, net of tax, in AOCI will be amortized to interest income over the remaining life of the securities using the interest method. 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, the Company first assesses whether it intends to sell, or it is more-likely-than-not that it 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 recorded on the consolidated statements of income and other comprehensive income. If either of the above criteria is not met, management evaluates whether the decline in fair value is the result of credit losses or other factors. In making this assessment, management 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. Included in debt securities available-for-sale are credit risk transfer (“CRT”) securities, which 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 the Company shares in 50% of the first losses with the GSE. If the reference pool incurs losses, the amount the Company will recover on the notes is reduced by its 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. Loans Loans Held for Sale Loans held for sale are carried at the lower of cost or fair value, unless, pursuant to the election of the fair value option in accordance with Accounting Standards Codification (“ASC”) 825, Financial Instruments , the Company elects to carry loans held for sale at fair value. As of December 31, 2024 and December 31, 2023, the Company has no loans held for sale accounted for under the fair value option. 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 direct loan origination costs. Interest on loans is recognized using the simple interest method on the daily balances of the principal amounts outstanding. Loan origination fees, net of direct loan origination costs, and commitment fees are deferred and amortized as an adjustment to yield over the life of the loan, or over the commitment period, as applicable. A loan is considered past due when a contractually due payment has not been received by the contractual due date. The Company places 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 all amounts due will be collected (both principal and interest) according to the terms of the loan agreement. Loans held for investment includes legal ownership interests in mortgage loans that the Company purchases from unaffiliated mortgage originators, either directly or through a special purpose entity (“SPE”) structure, who are seeking additional liquidity to facilitate their ability to originate loans. In the case of an SPE structure, the unaffiliated mortgage originator is responsible for formation of the SPE and ongoing servicing of the underlying mortgage loans, and thus is the primary beneficiary of the SPE. The mortgage originator has no obligation to offer and the Company has 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, the Company’s ownership interest and that of the originator are delivered to the investor selected by the originator. The Company typically purchases up to a 99% ownership interest in each mortgage with the originator owning the remaining percentage. These mortgage ownership interests are generally held for a period of less than 30 days and more typically 10-20 days. Because of conditions in agreements with originators (or SPEs) 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 (or SPEs) and payments received from investors are deemed to be payments made by or on behalf of the originators (or SPEs) to repay the loan. Because the Company has an actual, legal ownership interest in the underlying residential mortgage loan, these interests are reported as extensions of credit to the originators (or SPEs) that are secured by the mortgage loans as collateral. Due to market conditions or events of default by the investor or the originators (or SPEs), the Company 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. Purchased loans are evaluated upon acquisition in order to determine if the loan, or pool of loans, has experienced more-than-insignificant deterioration in credit quality since origination or issuance (“PCD loans”). PCD loans are recorded at fair value at the acquisition date along with an allowance for credit losses determined using the same methodology as originated loans. The sum of the loan’s purchase price and allowance for credit losses becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a non-credit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through provision for credit losses. Allowance for Credit Losses The Company’s allowance for credit losses is determined using a current expected credit loss (“CECL”) model. 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 Accounting Standards Update 2016-02 "Leases (Topic 842)" . The following is a discussion of the allowance for credit losses on loans held for investment and off-balance sheet credit exposures. See “ Investment Securities - Debt Securities ” above for discussion of the allowance for credit losses on available-for-sale and held-to maturity debt securities. The CECL methodology recognizes lifetime expected credit losses immediately when a financial asset is originated or purchased. The allowance for credit losses on loans 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. The allowance for credit losses on off-balance sheet financial instruments is recorded in other liabilities on the consolidated balance sheets. 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, gross domestic product, property values, or other relevant factors. The allowance for credit losses is comprised of reserves measured on a collective (pool) basis when similar risk characteristics exist. Loans that do not share risk characteristics are assigned a reserve based on an individual evaluation and are not included in the collective (pool) evaluation. For purposes of determining the collective (pool) allowance for credit losses, the loan portfolio is segregated into pools first by portfolio segment and then by past due status or credit grade. Each pool is assigned a loss estimate, reflecting historical loss rates that incorporate probability of default and severity of losses over the estimated remaining life of the loans. These loss estimates are then modified to incorporate a reasonable and supportable forecast of future losses at the pool level, as well as any necessary qualitative adjustments using a Portfolio Level Qualitative Factor (“PLQF”) and/or a Portfolio Segment Level Qualitative Factor (“SLQF”). A similar process is employed to calculate a reserve assigned to off-balance financial instruments, specifically unfunded loan commitments and letters of credit. Modified loss estimates are assigned based on the balance of the commitments estimated to be outstanding at the time of default. 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. The Company generally uses a two-year forecast period, based on a single forecast scenario or a blend of multiple forecast scenarios, using variables management believes are most relevant to each portfolio segment. For periods beyond which management is able to develop reasonable and supportable forecasts, the Company reverts to the average historical loss rate, reflecting historical default probabilities and loss severities, using a reversion speed that approximates 1 to 2 years. 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 the Company’s methodology for measuring expected credit losses. A summary of the primary portfolio segments is as follows: Commercial. The commercial loan portfolio is comprised of lines of credit for working capital, term loans, reserve-based loans to energy exploration and production companies, 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, and acquisitions and are generally secured by accounts receivable, inventory, oil and gas reserves, equipment and other assets of clients’ businesses. Mortgage Finance. Mortgage finance loans include legal ownership interests in mortgage loans that the Company purchases from unaffiliated mortgage originators, either directly or through a SPE structure, that are generally held 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 the Company repurchases the remaining interests in the mortgage loans and hold them beyond the expected 10-20 days. Commercial Real Estate (“CRE”). The CRE portfolio is comprised of construction/development financing and limited term financing provided to professional real estate developers, owners/managers of commercial real estate projects and properties, and residential builders/developers. Collateral properties include office buildings, warehouse/distribution buildings, shopping centers, hotels/motels, senior living, apartment buildings, residential and commercial tract developments, and raw land or lots to be developed into single-family homes. The primary source of repayment on these loans is expected to come from the sale, permanent financing or lease of the real property collateral. The performance of these loans is impacted by fluctuations in collateral values, the ability of the borrower to obtain permanent financing, and, in the case of loans to residential builder/developers, volatility in consumer demand. Consumer. This category of loans is comprised of loans made to consumers for personal expenditures, first and second lien mortgages made for the purpose of purchasing or constructing 1-4 family residential dwellings and home equity revolving lines of credit. The Company has 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 the 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 the Company 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 the Company’s 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 Committee and Risk Committee of the board of directors for their review. The committees report to the board of directors as part of the board of directors’ quarterly review of the Company’s 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. The Company does 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. 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. The Company had $1.5 million of goodwill at both December 31, 2024 and December 31, 2023. Intangible assets with definite useful lives are amortized over their estimated life. No amortization expense related to intangible assets was recorded during the years ended December 31, 2024 or December 31, 2023, as compared to $338,000 during the years ended December 31, 2022. 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. In 2024 and 2023, the annual test of goodwill impairment was performed, and in both periods, no impairment was indicated. 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 are generally depreciated over three 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 The Company has undertaken certain guarantee obligations in the ordinary course of business which include liabilities with off-balance sheet risk. The Company 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 Company’s exposure to credit loss in the event of non-performance by the other party to these financial instruments is represented by the contractual amount of the instruments. The Company 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 Company evaluates each customer’s creditworthiness on a case-by-case basis. Commitments to extend credit generally do not include mortgage finance loan arrangements with mortgage loan originators (or SPEs), which are established as uncommitted “guidance” purchase and sale facilities under which the mortgage originator has no obligation to offer and the Company has no obligation to purchase interests in the mortgage loans subject to the arrangements. Standby letters of credit are conditional commitments issued by the Company 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. Leases Right of use (“ROU”) assets represent the Company’s right to use an underlying asset during the lease term and lease liabilities represent its 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. Operating leases relate primarily to real estate used for corporate offices and bank branches and finance leases relate primarily to equipment. The Company does not separate lease and non-lease components for 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 the incremental borrowing rate on the effective date of the lease, which is based on the Company’s collateralized borrowing capabilities over a similar term as the related lease payments. ROU assets are further adjusted for lease incentives. Operating leases in which the Company is the lessee are recorded as operating lease ROU assets and operating lease liabilities, and are included in other assets and other liabilities, respectively, on the 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 recorded in net occupancy expense on the consolidated statements of income and other comprehensive income. Finance leases in which the Company is 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 the 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. Variable costs, such as maintenance expenses, parking and property and sales taxes, are expensed as they are incurred, and are recorded in net occupancy expense on the consolidated statements of income and other comprehensive income. 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 the Company’s revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as loans, letters of credit, derivatives and investment securities, as these activities are subject to other GAAP discussed elsewhere within the Company’s disclosures. Descriptions of revenue-generating activities that are within the scope of ASC 606, which are presented in the income statements as components of non-interest income are as follows: • Service charges on deposit accounts - these represent general service fees f

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2024
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) 2024 2023 2022 Numerator: Net income $ 77,508 $ 189,141 $ 332,478 Preferred stock dividends 17,250 17,250 17,250 Net income available to common stockholders $ 60,258 $ 171,891 $ 315,228 Denominator: Basic earnings per common share—weighted average common shares 46,559,668 48,054,935 50,457,746 Effect of dilutive outstanding stock-settled awards 429,536 555,271 588,996 Dilutive earnings per common share—weighted average diluted common shares 46,989,204 48,610,206 51,046,742 Basic earnings per common share $ 1.29 $ 3.58 $ 6.25 Diluted earnings per common share $ 1.28 $ 3.54 $ 6.18 Anti-dilutive outstanding stock-settled awards — 97,368 311,226

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment Securities The following is a summary of the Company’s investment securities: (in thousands) Amortized Gross Gross Estimated December 31, 2024 Available-for-sale debt securities: U.S. Treasury securities $ 280,137 $ — $ (2,852) $ 277,285 Residential mortgage-backed securities 3,195,145 7,200 (168,302) 3,034,043 Commercial mortgage-backed securities 206,830 — (5,398) 201,432 CRT securities 12,466 — (540) 11,926 Total available-for-sale debt securities 3,694,578 7,200 (177,092) 3,524,686 Held-to-maturity debt securities: Residential mortgage-backed securities 796,168 — (117,994) 678,174 Total held-to-maturity debt securities 796,168 — (117,994) 678,174 Equity securities 75,261 Total investment securities(2) $ 4,396,115 December 31, 2023 Available-for-sale debt securities: U.S. Treasury securities $ 651,112 $ — $ (14,639) $ 636,473 U.S. government agency securities 125,000 — (18,408) 106,592 Residential mortgage-backed securities 2,782,734 540 (312,442) 2,470,832 CRT securities 13,636 — (1,641) 11,995 Total available-for-sale debt securities 3,572,482 540 (347,130) 3,225,892 Held-to-maturity securities: Residential mortgage-backed securities 865,477 — (101,633) 763,844 Total held-to-maturity securities 865,477 — (101,633) 763,844 Equity securities 51,825 Total investment securities(2) $ 4,143,194 (1) Excludes accrued interest receivable of $13.8 million and $9.5 million at December 31, 2024 and December 31, 2023, respectively, related to available-for-sale debt securities and $1.3 million and $1.4 million at December 31, 2024 and December 31, 2023, respectively, related to held-to-maturity debt securities that is recorded in accrued interest receivable and other assets on the consolidated balance sheets. (2) Includes available-for-sale debt securities and equity securities at estimated fair value and held-to-maturity debt securities at amortized cost. Debt Securities During the third quarter of 2024, the Company sold available-for-sale debt securities with an amortized cost basis of $1.2 billion, realizing a loss of $179.6 million, and repositioned the proceeds into a purchase of available-for-sale residential mortgage-backed securities with an amortized cost basis of $1.1 billion. In the first quarter of 2023, the Company sold available-for-sale U.S. Treasury securities with an amortized cost of $56.4 million and realized a gain of $489,000. The amortized cost and estimated fair value as of December 31, 2024, excluding accrued interest receivable, of available-for-sale and held-to-maturity debt securities are presented below by contractual maturity. Actual maturities may differ from contractual maturities of mortgage-backed securities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. Available-for-sale Held-to-maturity (in thousands) Amortized Cost Fair Value Amortized Cost Fair Value Due within one year $ 184,536 $ 182,862 $ — $ — Due after one year through five years 95,601 94,423 — — Due after five years through ten years 197,043 191,957 — — Due after ten years 3,217,398 3,055,444 796,168 678,174 Total $ 3,694,578 $ 3,524,686 $ 796,168 $ 678,174 The table below presents the weighted average yields for the Company’s available-for-sale debt securities for the year ended December 31, 2024. Weighted average yields are calculated based on amortized cost on a tax-exempt basis assuming a 21% federal tax rate, where applicable. U.S. Treasury securities Residential mortgage-backed securities Commercial mortgage-backed securities CRT securities Due within one year 3.14 % — % — % — % Due after one year through five years 3.12 — — — Due after five years through ten years — 3.86 4.68 4.47 Due after ten years — 4.55 4.35 — Total 3.13 % 4.55 % 4.64 % 4.47 % The following table discloses the Company’s 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, 2024 U.S. Treasury securities $ — $ — $ 277,285 $ (2,852) $ 277,285 $ (2,852) U.S. government agency securities — — — — — — Residential mortgage-backed securities 1,338,801 (18,141) 1,323,180 (150,161) 2,661,981 (168,302) Commercial mortgage-backed securities 201,432 (5,398) — — 201,432 (5,398) CRT securities — — 11,926 (540) 11,926 (540) Total $ 1,540,233 $ (23,539) $ 1,612,391 $ (153,553) $ 3,152,624 $ (177,092) December 31, 2023 U.S. Treasury securities $ — $ — $ 636,473 $ (14,639) $ 636,473 $ (14,639) U.S. government agency securities — — 106,592 (18,408) 106,592 (18,408) Residential mortgage-backed securities 910,999 (19,751) 1,501,340 (292,691) 2,412,339 (312,442) CRT securities — — 11,995 (1,641) 11,995 (1,641) Total $ 910,999 $ (19,751) $ 2,256,400 $ (327,379) $ 3,167,399 $ (347,130) At December 31, 2024, the Company had 60 available-for-sale debt securities in an unrealized loss position, comprised of 6 U.S. Treasury securities, 46 residential mortgage-backed securities, 6 commercial mortgage-backed securities and two CRT securities. The unrealized losses on the available-for-sale debt securities were the result of changes in market interest rates compared to the date the securities were acquired rather than the credit quality of the issuers or underlying loans. The Company does not currently intend to sell and based on current conditions it does not believe it is likely that the Company will be required to sell these available-for-sale debt securities before recovery of the amortized cost of such securities in an unrealized loss position and has therefore recorded the unrealized losses related to this portfolio in AOCI. Held-to-maturity securities consist of government guaranteed securities for which no loss is expected. At December 31, 2024 and December 31, 2023, no allowance for credit losses was established for available-for-sale or held-to-maturity debt securities. At December 31, 2024 and December 31, 2023, debt securities with carrying values of approximately $940,000 and $1.6 million, respectively, were pledged to secure certain customer deposits. Equi ty Securities Equity securities consist of investments that qualify for consideration under the regulations implementing the Community Reinvestment Act and investments in exchange traded funds. 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) 2024 2023 Net gains/(losses) recognized during the period $ 6,619 $ 3,571 Less: Realized net gains/(losses) recognized on securities sold 1,032 (393) Unrealized net gains/(losses) recognized on securities still held $ 5,587 $ 3,964

Loans and Allowance for Credit

Loans and Allowance for Credit Losses on Loans	12 Months Ended
	Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Loans and Allowance for Credit Losses on Loans	Loans and Allowance for Credit Losses on Loans Loans are summarized by portfolio segment as follows: (in thousands) December 31, 2024 December 31, 2023 Loans held for investment(1): Commercial $ 11,145,591 $ 10,410,766 Mortgage finance 5,215,574 3,978,328 Commercial real estate 5,616,282 5,500,774 Consumer 565,376 530,948 Gross loans held for investment 22,542,823 20,420,816 Unearned income (net of direct origination costs) (92,757) (80,258) Total loans held for investment 22,450,066 20,340,558 Allowance for credit losses on loans (271,709) (249,973) Total loans held for investment, net $ 22,178,357 $ 20,090,585 Loans held for sale: Mortgage loans, at fair value $ — $ 706 Non-mortgage loans, at lower of cost or fair value — 43,399 Total loans held for sale $ — $ 44,105 (1) Excludes accrued interest receivable of $107.3 million and $118.1 million at December 31, 2024 and December 31, 2023, respectively, that is recorded in accrued interest receivable and other assets on the consolidated balance sheets. During the third quarter of 2024, the Company purchased a $332.0 million commercial loan portfolio, which included certain PCD loans. The following table provides a summary of PCD loans purchased and the associated credit loss reserve at acquisition date: (in thousands) Total Par value (unpaid principal balance) $ 20,139 Allowance for credit losses on loans at acquisition (2,579) Non-credit premium 2,448 Purchase price $ 20,008 The following tables summarize gross loans held for investment by year of origination and internally assigned credit grades: (in thousands) 2024 2023 2022 2021 2020 2019 Revolving lines of credit Revolving lines of credit converted to term loans Total December 31, 2024 Commercial (1-7) Pass $ 1,612,695 $ 1,156,414 $ 1,256,539 $ 307,590 $ 76,821 $ 169,974 $ 6,027,177 $ 12,040 $ 10,619,250 (8) Special mention 22,953 28,354 134,092 21,626 30 6,369 91,423 — 304,847 (9) Substandard - accruing 623 44,901 51,536 7,855 301 3,309 37,405 — 145,930 (9+) Non-accrual — 9,220 8,057 — 360 23,708 34,219 — 75,564 Total commercial $ 1,636,271 $ 1,238,889 $ 1,450,224 $ 337,071 $ 77,512 $ 203,360 $ 6,190,224 $ 12,040 $ 11,145,591 Mortgage finance (1-7) Pass $ — $ — $ — $ — $ — $ — $ 5,215,574 $ — $ 5,215,574 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Total mortgage finance $ — $ — $ — $ — $ — $ — $ 5,215,574 $ — $ 5,215,574 Commercial real estate (1-7) Pass $ 599,301 $ 889,603 $ 1,843,706 $ 885,913 $ 216,077 $ 704,288 $ 273,663 $ 18,085 $ 5,430,636 (8) Special mention 25,532 4,353 70,161 15,831 299 13,731 — 872 130,779 (9) Substandard - accruing — — — — — 20,230 — — 20,230 (9+) Non-accrual 85 — 20,637 — — 13,915 — — 34,637 Total commercial real estate $ 624,918 $ 893,956 $ 1,934,504 $ 901,744 $ 216,376 $ 752,164 $ 273,663 $ 18,957 $ 5,616,282 Consumer (1-7) Pass $ 44,352 $ 28,289 $ 54,148 $ 75,924 $ 40,667 $ 99,471 $ 220,561 $ — $ 563,412 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — 1,000 — 1,000 (9+) Non-accrual — — — — — 964 — — 964 Total consumer $ 44,352 $ 28,289 $ 54,148 $ 75,924 $ 40,667 $ 100,435 $ 221,561 $ — $ 565,376 Total $ 2,305,541 $ 2,161,134 $ 3,438,876 $ 1,314,739 $ 334,555 $ 1,055,959 $ 11,901,022 $ 30,997 $ 22,542,823 Gross charge-offs $ 994 $ 7,543 $ 550 $ 4,037 $ 537 $ 8,784 $ 23,566 $ 44 $ 46,055 (in thousands) 2023 2022 2021 2020 2019 2018 Revolving lines of credit Revolving lines of credit converted to term loans Total December 31, 2023 Commercial (1-7) Pass $ 1,546,257 $ 1,408,672 $ 279,266 $ 144,699 $ 142,301 $ 157,808 $ 6,284,464 $ 16,580 $ 9,980,047 (8) Special mention 22,148 118,991 35,619 285 823 13,385 40,647 89 231,987 (9) Substandard - accruing 12,477 50,876 9,334 18,547 — 78 38,372 — 129,684 (9+) Non-accrual 9,395 34,229 340 2,085 15,080 7,840 79 — 69,048 Total commercial $ 1,590,277 $ 1,612,768 $ 324,559 $ 165,616 $ 158,204 $ 179,111 $ 6,363,562 $ 16,669 $ 10,410,766 Mortgage finance (1-7) Pass $ — $ — $ — $ — $ — $ — $ 3,978,328 $ — $ 3,978,328 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Total mortgage finance $ — $ — $ — $ — $ — $ — $ 3,978,328 $ — $ 3,978,328 Commercial real estate (1-7) Pass $ 561,801 $ 1,689,325 $ 1,042,953 $ 419,703 $ 317,480 $ 559,026 $ 575,928 $ 28,175 $ 5,194,391 (8) Special mention — 136,801 32,937 24,440 34,181 22,833 7,895 — 259,087 (9) Substandard - accruing — 2,232 — — — 28,573 4,141 — 34,946 (9+) Non-accrual — — 12,350 — — — — — 12,350 Total commercial real estate $ 561,801 $ 1,828,358 $ 1,088,240 $ 444,143 $ 351,661 $ 610,432 $ 587,964 $ 28,175 $ 5,500,774 Consumer (1-7) Pass $ 31,876 $ 56,425 $ 78,096 $ 47,423 $ 14,141 $ 102,691 $ 199,171 $ — $ 529,823 (8) Special mention — — — — — — 100 41 141 (9) Substandard - accruing — — — — — 984 — — 984 (9+) Non-accrual — — — — — — — — — Total Consumer $ 31,876 $ 56,425 $ 78,096 $ 47,423 $ 14,141 $ 103,675 $ 199,271 $ 41 $ 530,948 Total $ 2,183,954 $ 3,497,551 $ 1,490,895 $ 657,182 $ 524,006 $ 893,218 $ 11,129,125 $ 44,885 $ 20,420,816 Gross charge-offs $ 8,364 $ 5,090 $ 25,578 $ — $ 15,243 $ 883 $ 698 $ 871 $ 56,727 The following table details activity in the allowance for credit losses on loans. Allocation of a portion of the allowance to one category does not preclude its availability to absorb losses in other categories. (in thousands) Commercial Mortgage Commercial Real Estate Consumer Total Year Ended December 31, 2024 Beginning balance $ 171,437 $ 4,173 $ 71,829 $ 2,534 $ 249,973 Allowance established for acquired PCD loans 2,579 — — — 2,579 Provision for credit losses on loans 57,019 (1,418) 5,242 (813) 60,030 Charge-offs 37,761 — 8,264 30 46,055 Recoveries 5,149 — 18 15 5,182 Net charge-offs (recoveries) 32,612 — 8,246 15 40,873 Ending balance $ 198,423 $ 2,755 $ 68,825 $ 1,706 $ 271,709 Year Ended December 31, 2023 Beginning balance $ 185,303 $ 10,745 $ 54,268 $ 3,153 $ 253,469 Provision for credit losses on loans 31,529 (6,572) 23,057 (583) 47,431 Charge-offs 51,186 — 5,500 41 56,727 Recoveries 5,791 — 4 5 5,800 Net charge-offs (recoveries) 45,395 — 5,496 36 50,927 Ending balance $ 171,437 $ 4,173 $ 71,829 $ 2,534 $ 249,973 The Company recorded a $60.0 million provision for credit losses on loans for the year ended December 31, 2024, compared to $47.4 million for the same period of 2023. The $60.0 million provision for credit losses on loans resulted primarily from growth in loans held for investment and $40.9 million in net charge-offs during the year ended December 31, 2024 , compared to net charge-offs of $50.9 million during the same period of 2023. Criticized loans totaled $714.0 million at December 31, 2024, compared to $738.2 million at December 31, 2023. 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. At December 31, 2024, the Company had $28.0 million in collateral-dependent commercial loans, collateralized by business assets, and $34.6 million and $1.0 million in collateral-dependent commercial real estate and consumer loans, respectively, both of which are collateralized by real estate. The table below provides an age analysis of gross loans held for investment: (in thousands) 30-59 Days 60-89 Days 90 Days or More Past Due Total Past Non-accrual(1) Current Total Non-accrual With No Allowance December 31, 2024 Commercial $ 7,635 $ 7,357 $ 3,483 $ 18,475 $ 75,564 $ 11,051,552 $ 11,145,591 $ 11,036 Mortgage finance — — — — — 5,215,574 5,215,574 — Commercial real estate 337 472 782 1,591 34,637 5,580,054 5,616,282 85 Consumer 6,536 — — 6,536 964 557,876 565,376 964 Total $ 14,508 $ 7,829 $ 4,265 $ 26,602 $ 111,165 $ 22,405,056 $ 22,542,823 $ 12,085 (1) As of December 31, 2024, $360,000 of non-accrual loans were earning interest income on a cash basis compared to $358,000 as of December 31, 2023. Additionally, $287,000 of interest income was recognized on non-accrual loans for the year ended December 31, 2024 compared to $37,000 for the same period in 2023. Accrued interest of $1.4 million and $3.0 million was reversed during the year ended December 31, 2024 and December 31, 2023, respectively. Modifications to Borrowers Experiencing Financial Difficulty The table below details gross loans held for investment as of December 31, 2024 and December 31, 2023 made to borrowers experiencing financial difficulty that were modified during the year ended December 31, 2024 and December 31, 2023, by type of modification granted and the financial effect of those modifications: Financial Statement Impact ($ in thousands) Payment Term Payment Interest Rate Total Percentage of Loans Held for Investment Interest Rate Reduction Term Extension (in months) Payment Deferrals Year Ended December 31, 2024 Commercial $ 36,853 $ 9,583 $ 9,273 $ — $ 55,709 0.25 % —% 6 to 13 $ 2,060 Commercial real estate 18,488 15,831 13,915 — 48,234 0.21 % —% 3 to 4 960 Total $ 55,341 $ 25,414 $ 23,188 $ — $ 103,943 0.46 % Year Ended December 31, 2023 Commercial $ 30,873 $ 733 $ 5,458 $ 6,064 $ 43,128 0.21 % 0.70% 4 to 36 $ 5,139 Commercial real estate — 21,364 — — 21,364 0.10 % —% 4 to 6 — Total $ 30,873 $ 22,097 $ 5,458 $ 6,064 $ 64,492 0.32 % The table below details gross loans held for investment as of December 31, 2024 and December 31, 2023 that experienced a default during the periods presented subsequent to being granted a modification in the prior twelve months. Default is defined as movement to nonperforming status, foreclosure or charge-off, whichever occurs first. (in thousands) Payment Term Interest Rate Total Year Ended December 31, 2024 Commercial $ 2,729 $ — $ — $ 2,729 Total $ 2,729 $ — $ — $ 2,729 Year Ended December 31, 2023 Commercial $ — $ 240 $ 6,064 $ 6,304 Commercial $ — $ 240 $ 6,064 $ 6,304 The table below provides an age analysis of gross loans held for investment as of December 31, 2024 made to borrowers experiencing financial difficulty that were modified in the prior twelve months, and as of December 31, 2023 for loans that were modified since January 1, 2023, the date of adoption of Accounting Standards Update 2022-02: (in thousands) 30-89 Days 90+ Days Non-Accrual Current Total December 31, 2024 Commercial $ 7,350 $ — $ 18,761 $ 29,598 $ 55,709 Commercial real estate — — 32,404 15,830 48,234 Total $ 7,350 $ — $ 51,165 $ 45,428 $ 103,943 December 31, 2023 Commercial $ 7,617 $ — $ 11,601 $ 23,910 $ 43,128 Commercial real estate 4,141 — — 17,223 21,364 Total $ 11,758 $ — $ 11,601 $ 41,133 $ 64,492

Leases

Leases	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Leases	Leases The following table presents ROU assets and lease liabilities: Year Ended December 31, (in thousands) 2024 2023 ROU assets: Finance leases $ 227 $ 1,529 Operating leases 166,194 87,810 Total $ 166,421 $ 89,339 Lease liabilities Finance leases $ 234 $ 1,550 Operating leases 224,973 109,523 Total $ 225,207 $ 111,073 As of December 31, 2024, operating leases had remaining lease terms of approximately 1 year to 15 years, while finance leases had remaining terms of less than 1 year. The table below summarizes the Company’s net lease cost: Year Ended December 31, (in thousands) 2024 2023 Finance lease cost: Amortization of ROU assets $ 1,303 $ 1,335 Interest on lease liabilities 19 40 Operating lease cost 21,593 14,854 Short-term lease cost 37 37 Variable lease cost 6,069 7,168 Net lease cost $ 29,021 $ 23,434 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from finance leases $ 19 $ 40 Operating cash flows from operating leases 46,920 17,203 Financing cash flows from finance leases 1,315 1,327 ROU assets obtained in exchange for new finance leases — — ROU assets obtained in exchange for new operating leases 123,344 18,741 The table below summarizes other information related to operating and finance leases: Year Ended December 31, 2024 2023 Weighted-average remaining lease term - finance leases, in years 0.4 1.2 Weighted-average remaining lease term - operating leases, in years 13.5 12.2 Weighted-average discount rate - finance leases 2.97 % 1.85 % Weighted-average discount rate - operating leases 4.49 % 4.43 % The table below summarizes the maturity of remaining lease liabilities as of December 31, 2024: (in thousands) Finance Leases Operating Leases Total 2025 $ 236 $ 20,899 $ 21,135 2026 — 22,222 22,222 2027 — 22,023 22,023 2028 — 21,314 21,314 2029 — 20,610 20,610 2030 and thereafter — 201,184 201,184 Total lease payments 236 308,252 308,488 Less: Interest (2) (83,279) (83,281) Present value of lease liabilities $ 234 $ 224,973 $ 225,207 As of December 31, 2024, the Company had $5.4 million of future payments for banking center leases that have not yet commenced. These leases are expected to commence during 2026, with lease terms of approximately 11 years.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises & Equipment Premises and equipment are summarized as follows: December 31, (in thousands) 2024 2023 Premises $ 74,228 $ 39,547 Furniture and equipment 47,327 63,367 Total cost 121,555 102,914 Accumulated depreciation (36,112) (70,548) Total premises and equipment, net $ 85,443 $ 32,366 Depreciation and amortization expense for the above premises and equipment was approximately $11.8 million, $10.4 million and $9.5 million in 2024, 2023 and 2022, respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Deposits	Deposits Deposits are summarized as follows: December 31, (in thousands) 2024 2023 Non-interest bearing deposits $ 7,485,428 $ 7,328,276 Interest bearing deposits: Transaction 2,787,913 2,264,055 Savings 12,712,510 11,000,783 Time 2,252,748 1,778,725 Total interest bearing deposits 17,753,171 15,043,563 Total deposits $ 25,238,599 $ 22,371,839 The scheduled maturities of interest bearing time deposits were as follows at December 31, 2024: (in thousands) 2025 $ 2,066,749 2026 185,749 2027 130 2028 36 2029 84 2030 and after — Total $ 2,252,748 At December 31, 2024 and 2023, interest bearing time deposits greater than $250,000 were approximately $495.5 million and $376.4 million, respectively.

Short-Term Borrowings and Long-

Short-Term Borrowings and Long-Term Debt	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Short-Term Borrowings and Long-Term Debt	Short-Term Borrowings and Long-Term Debt The table below presents a summary of the Company’s short-term borrowings, all of which mature within one year: (dollars in thousands) Federal Funds Purchased Customer Repurchase Agreements FHLB Borrowings December 31, 2024 Amount outstanding at year-end $ — $ — $ 885,000 Interest rate at year-end — % — % 4.38 % Average balance outstanding during the year $ 16 $ — $ 933,880 Weighted-average interest rate during the year 17.82 % — % 5.35 % Maximum month-end outstanding during the year $ — $ — $ 1,675,000 December 31, 2023 Amount outstanding at year-end $ — $ — $ 1,500,000 Interest rate at year-end — % — % 5.64 % Average balance outstanding during the year $ — $ 25 $ 1,323,014 Weighted-average interest rate during the year — % 0.39 % 5.34 % Maximum month-end outstanding during the year $ — $ — $ 2,100,000 The following table summarizes the Company’s short-term borrowing capacities net of balances outstanding: (in thousands) December 31, 2024 December 31, 2023 FHLB borrowing capacity relating to loans and pledged securities $ 4,664,703 $ 2,602,092 FHLB borrowing capacity relating to unencumbered securities 4,189,993 3,737,615 Total FHLB borrowing capacity(1) $ 8,854,696 $ 6,339,707 Unused federal funds lines available from commercial banks $ 1,370,000 $ 1,188,000 Unused Federal Reserve borrowings capacity $ 5,436,652 $ 4,094,801 Unused revolving line of credit(2) $ 75,000 $ 100,000 (1) FHLB borrowings are collateralized by a blanket floating lien on certain real estate secured loans, mortgage finance loans and certain pledged securities. (2) Unsecured revolving, non-amortizing line of credit with maturity date of February 8, 2026. 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 the year ended December 31, 2024 or 2023. The table below presents a summary of long-term debt: (in thousands) December 31, 2024 December 31, 2023 Bank-issued floating rate senior unsecured credit-linked notes due 2024 $ — $ 199,499 Bank-issued 5.25% fixed rate subordinated notes due 2026 174,717 174,457 Company-issued 4.00% fixed rate subordinated notes due 2031 372,223 371,785 Trust preferred floating rate subordinated debentures due 2032 to 2036 113,406 113,406 Total long-term debt $ 660,346 $ 859,147 During the second quarter of 2024, the bank-issued senior unsecured credit-linked notes were redeemed in full. The following table summarizes the significant terms of the Company’s trust preferred subordinated debentures: (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 SOFR + 3.61% 3 month SOFR + 3.51% 3 month SOFR + 1.77% 3 month SOFR + 1.86% 3 month SOFR + 1.97% Maturity date November 2032 April 2033 December 2035 June 2036 December 2036

Financial Instruments with Off-

Financial Instruments with Off-Balance Sheet Risk	12 Months Ended
	Dec. 31, 2024
Risks and Uncertainties [Abstract]
Financial Instruments with Off-Balance Sheet Risk	Financial Instruments with Off-Balance Sheet Risk The table below presents the Company’s 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. (in thousands) Commercial Mortgage Commercial Consumer Total Year Ended December 31, 2024 Beginning balance $ 36,040 $ 6 $ 10,147 $ 169 $ 46,362 Provision for off-balance sheet credit losses 11,867 17 (4,796) (118) 6,970 Ending balance $ 47,907 $ 23 $ 5,351 $ 51 $ 53,332 Year Ended December 31, 2023 Beginning balance $ 16,550 $ — $ 5,222 $ 21 $ 21,793 Provision for off-balance sheet credit losses 19,490 6 4,925 148 24,569 Ending balance $ 36,040 $ 6 $ 10,147 $ 169 $ 46,362 (in thousands) December 31, 2024 December 31, 2023 Commitments to extend credit - period end balance $ 9,694,406 $ 9,749,085 Standby letters of credit - period end balance 538,047 595,079

Regulatory Ratios and Capital

Regulatory Ratios and Capital	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Ratios and Capital	Regulatory Ratios and Capital 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 Capital Rules adopted by U.S. federal banking agencies, among other things, (i) establish the capital measure called “Common Equity Tier 1” (“CET1”), (ii) specify that Tier 1 capital consists of CET1 and “Additional Tier 1 Capital” instruments meeting stated requirements, (iii) require that most deductions/adjustments to regulatory capital measures be made to CET1 and not to other components of capital and (iv) define the scope of the deductions/adjustments to the capital measures. Additionally, the Basel III Capital Rules require that the Company maintain a 2.5% capital conservation buffer comprised of CET1, with respect to each of CET1, Tier 1 and total capital to risk-weighted asset ratios. 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. No dividends were declared or paid on the Company’s common stock during the year ended December 31, 2024 or during 2023. On January 17, 2024, the Company’s board of directors authorized a share repurchase program under which the Company could repurchase up to $150.0 million in shares of its outstanding common stock. During the year ended December 31, 2024, the Company repurchased 1,381,436 shares of its common stock for an aggregate price, including excise tax expense, of $81.5 million, at a weighted average price of $58.57 per share. On January 22, 2025, the Company’s board of directors authorized a new share repurchase program under which the Company may repurchase up to $200.0 million in shares of its outstanding common stock, excluding the effect of excise tax expense incurred on net stock repurchases. The share repurchase program expires on January 31, 2026, but may be suspended or discontinued at any time. Remaining repurchase authorization under the January 17, 2024 share repurchase program was terminated upon authorization of this new program. 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). The Company adopted CECL on January 1, 2020 and has elected to utilize the five-year transition option. The ratios presented below include the effects of the election to utilize the five-year CECL transition described above. Because the Bank had less than $15.0 billion in total consolidated assets as of December 31, 2009, it is allowed to continue to classify the trust preferred securities, all of which were issued prior to May 19, 2010, as Tier 1 capital. At the beginning of each of the last five years of the life of the Bank-issued fixed rate subordinated notes due 2026, 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 2024, the amount of the notes that qualify as Tier 2 capital has been reduced by 80%. The table below summarizes the Company’s and the Bank’s actual and required capital ratios under the Basel III Capital Rules and other standards. 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, 2024 and December 31, 2023. December 31, 2024 December 31, 2023 (dollars in thousands) Minimum Capital Required(2) Capital Required to be Well Capitalized Capital Amount Ratio Capital Amount Ratio The Company CET1 capital (to risk-weighted assets) 7.00 % N/A $ 3,251,979 11.38 % $ 3,264,609 12.65 % Tier 1 capital (to risk-weighted assets) 8.50 % 6.00 % 3,661,979 12.82 % 3,674,609 14.24 % Total capital (to risk-weighted assets) 10.50 % 10.00 % 4,390,656 15.37 % 4,405,575 17.07 % Tier 1 capital (to average assets)(1) 4.00 % N/A 3,661,979 11.33 % 3,674,609 12.21 % The Bank CET1 capital (to risk-weighted assets) 7.00 % 6.50 % $ 3,611,714 12.75 % $ 3,599,919 14.01 % Tier 1 capital (to risk-weighted assets) 8.50 % 8.00 % 3,611,714 12.75 % 3,599,919 14.01 % Total capital (to risk-weighted assets) 10.50 % 10.00 % 3,968,168 14.00 % 3,959,100 15.41 % Tier 1 capital (to average assets)(1) 4.00 % 5.00 % 3,611,714 11.27 % 3,599,919 12.00 % (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

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2024
Compensation Related Costs [Abstract]
Stock-Based Compensation	Stock-Based Compensation The Company has 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 employees to defer a portion of their compensation. Matching contributions may be made in amounts and at times determined by the Company. These contributions were approximately $13.8 million, $15.2 million and $13.3 million for the years ended December 31, 2024, 2023 and 2022, 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. The Company also offers a non-qualified deferred compensation plan for executives and key members of management in order to assist 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 the Company to make discretionary contributions on behalf of a participant as well as matching contributions. The Company did not make any matching contributions in 2024, 2023, or 2022. 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. The Company has 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 between 1% and 10% of eligible compensation up to the Section 423 of the Internal Revenue Code limit of $25,000. In 2006, stockholders approved the ESPP, which allocated 400,000 shares for purchase. As of December 31, 2024, 2023 and 2022, 231,505, 210,558 and 184,263 shares, respectively, had been purchased on behalf of employees under the ESPP. The Company has 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, the Company 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. The Company has historically issued new shares to satisfy share unit conversions. A total of 1,400,000 shares are authorized for grant under the current plan. Total shares remaining available for grant under the current plan at December 31, 2024 were 249,423. A summary of the Company’s 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, 2024 December 31, 2023 December 31, 2022 SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price Outstanding at beginning of year — $ — — $ — 3,000 $ 44.20 Exercised — — — — (3,000) 44.20 Outstanding at year-end — $ — — $ — — $ — Vested and exercisable at year-end — $ — — $ — — $ — Weighted average remaining contractual life of vested (in years) 0.00 0.00 0.00 Weighted average remaining contractual life of outstanding (in years) 0.00 0.00 0.00 Compensation expense $ — $ — $ — Unrecognized compensation expense $ — $ — $ — Intrinsic value of exercised $ — $ — $ 64,000 A summary of the Company’s stock-settled RSU activity and related information is as follows. Grants of stock-settled RSUs include time-based vesting conditions that generally vest ratably over a period of three years. Additionally, from time to time, grants of stock-settled RSUs with both time-based and performance-based vesting conditions are made that generally vest at the end of a three year period. December 31, 2024 December 31, 2023 December 31, 2022 RSUs Weighted RSUs Weighted RSUs Weighted Outstanding at beginning of year 1,081,679 $ 66.91 1,155,652 $ 61.12 1,206,862 $ 56.06 Granted 421,642 63.98 405,434 68.63 453,323 68.15 Vested (528,208) 63.56 (355,046) 50.79 (308,771) 54.51 Forfeited (120,462) 67.14 (124,361) 66.98 (195,762) 58.42 Outstanding at year-end 854,651 $ 67.48 1,081,679 $ 66.91 1,155,652 $ 61.12 Compensation expense $ 20,212,000 $ 24,200,000 $ 21,246,000 Unrecognized compensation expense $ 24,014,000 $ 28,585,000 $ 32,148,000 Weighted average years over which unrecognized compensation expense is expected to be recognized 1.76 1.89 2.31 Fair value of shares vested during the year $ 33,572,000 $ 18,117,000 $ 16,835,000 Intrinsic value of shares vested during the year $ 32,049,000 $ 20,125,000 $ 18,640,000 The grant date fair value of stock-settled RSUs and performance awards that do not contain market conditions is equal to the market price of common stock on the grant date. The value of performance awards that include a market condition is estimated on the date of grant using a Monte Carlo simulation model with the following weighted average assumptions: December 31, 2024 December 31, 2023 December 31, 2022 Risk-free interest rate 4.41 % 4.14 % 1.56 % Expected stock price volatility 38.3 % 50.2 % 57.1 % Simulation period 2.87 years 2.89 years 2.89 years A summary of the Company’s cash-settled RSU activity and related information is as follows. Grants of stock-settled RSUs include time-based vesting conditions that generally vest ratably over a period of three years. 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. December 31, 2024 December 31, 2023 December 31, 2022 RSUs outstanding at beginning of year — — 13,131 Granted 226,864 — — Vested (55) — (12,655) Forfeited (31,998) — (476) RSUs outstanding at year-end 194,811 — — Compensation expense $ 4,481,000 $ — $ 186,000 Weighted average years over which unrecognized compensation expense is expected to be recognized 2.19 0.00 0.00

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Income tax expense/(benefit) consists of the following: Year ended December 31, (in thousands) 2024 2023 2022 Current: Federal $ 37,878 $ 69,350 $ 109,370 State 7,761 5,888 7,302 Total 45,639 75,238 116,672 Deferred: Federal (14,960) (16,540) (16,178) State (1,126) (1,244) (1,217) Total (16,086) (17,784) (17,395) Total expense: Federal 22,918 52,810 93,192 State 6,635 4,644 6,085 Total $ 29,553 $ 57,454 $ 99,277 The reconciliation of income tax at the U.S. federal statutory tax rate to income tax expense and effective tax rate is as follows: Year ended December 31, 2024 2023 2022 (dollars in thousands) Amount Rate Amount Rate Amount Rate U.S. statutory rate $ 22,483 21 % $ 51,785 21 % $ 90,669 21 % State taxes 2,539 2 % 2,938 1 % 6,822 2 % Tax-exempt income (1,471) (1) % (350) — % (1,061) — % Tax credits (1,833) (2) % (855) — % (128) — % Disallowed FDIC 2,257 2 % 1,863 1 % 1,491 — % Disallowed compensation 2,022 2 % 1,176 — % 2,771 1 % Uncertain tax positions recognized 2,688 3 % 155 — % 167 — % Other 868 1 % 742 — % (1,454) (1) % Total $ 29,553 28 % $ 57,454 23 % $ 99,277 23 % At December 31, 2024, 2023 and 2022, the Company had unrecognized tax benefits of $4.3 million, $1.0 million and $889,000, respectively. If the income tax impacts from these tax positions are ultimately realized, such realization would not have a material impact on the income tax provision or effective tax rate. The Company is no longer subject to U.S. federal income tax examinations for years before 2021 or state and local income tax examinations for years before 2020. The table below summarizes significant components of deferred tax assets and liabilities utilizing the applicable federal and state corporate income tax rates. Management believes it is more likely than not that all of the deferred tax assets will be realized. December 31, (in thousands) 2024 2023 Deferred tax assets: Allowance for credit losses $ 73,394 $ 66,913 Lease liabilities 50,852 25,080 Loan origination fees, net 14,765 13,377 Stock compensation 6,518 6,216 Non-accrual interest 2,707 1,672 Deferred compensation 5,336 4,672 Net unrealized losses in AOCI 53,404 96,229 Other 6,108 6,069 Total deferred tax assets 213,084 220,228 Deferred tax liabilities: Lease financing transactions (15,262) (9,741) Lease ROU assets (37,527) (21,225) Depreciation (1,513) (3,473) Other (460) (728) Total deferred tax liabilities (54,762) (35,167) Net deferred tax asset $ 158,322 $ 185,061

Fair Value Disclosures

Fair Value Disclosures	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Fair Value Disclosures	Fair Value Disclosures The Company determines the fair market values of its assets and liabilities measured at fair value on a recurring and nonrecurring basis using the fair value hierarchy as prescribed in Accounting Standards Codification 820, Fair Value Measurements and Disclosures. 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, 2024 Available-for-sale debt securities:(1) U.S. Treasury securities $ 277,285 $ — $ — Residential mortgage-backed securities — 3,034,043 — Commercial mortgage-backed securities — 201,432 — CRT securities — — 11,926 Equity securities(1)(2) 59,235 16,026 — Loans held for investment(4) — — 35,318 Derivative assets(5) — 23,202 — Securities sold not yet purchased(6) 33,705 — — Derivative liabilities(5) — 57,906 — Non-qualified deferred compensation plan liabilities(7) 19,109 — — December 31, 2023 Available-for-sale debt securities:(1) U.S. Treasury securities $ 636,473 $ — $ — U.S. government agency securities — 106,592 — Residential mortgage-backed securities — 2,470,832 — CRT securities — — 11,995 Equity securities(1)(2) 40,661 11,164 — Mortgage loans held for sale(3) — 706 — Loans held for investment(4) — — 38,341 Derivative assets(5) — 32,944 — Securities sold not yet purchased(6) 10,602 — — Derivative liabilities(5) — 70,917 — Non-qualified deferred compensation plan liabilities(7) 20,387 — — (1) Available-for-sale debt securities and equity securities are measured at fair value on a recurring basis, generally monthly. (2) Equity securities consist of investments that qualify for consideration under the regulations implementing the Community Reinvestment Act and investments in exchange traded funds. (3) Loans held for sale 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) Securities sold not yet purchased are measured at fair value on a recurring basis, generally monthly. (7) 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 Gains/(Losses) (in thousands) Balance at Beginning of Period Purchases / Additions Sales / Reductions Realized Unrealized Balance at End of Period Year Ended December 31, 2024 Available-for-sale debt securities:(1) CRT securities $ 11,995 $ — $ (1,170) $ — $ 1,101 $ 11,926 Year Ended December 31, 2023 Available-for-sale debt securities:(1) CRT securities $ 11,861 $ — $ (1,077) $ — $ 1,211 $ 11,995 (1) Unrealized gains/(losses) on available-for-sale debt securities are recorded in AOCI other non-interest income CRT securities The fair value of CRT securities is based on a discounted cash flow model, which utilizes Level 3 inputs, the most significant of which were a discount rate and weighted-average life. At December 31, 2024, the discount rates utilized ranged from 5.02% to 6.58% and the weighted-average life ranged from 4.51 years to 6.66 years. On a combined amortized cost weighted-average basis a discount rate of 5.63% and a weighted-average life of 5.35 years were utilized to determine the fair value of these securities at December 31, 2024. At December 31, 2023, the combined weighted-average discount rate and weighted-average life utilized were 6.57% and 6.06 years, respectively. 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. The $35.3 million fair value of loans held for investment at December 31, 2024 reported above includes impaired loans with a carrying value of $63.6 million that were reduced by specific allowance allocations totaling $28.3 million based on collateral valuations utilizing Level 3 inputs. The $38.3 million fair value of loans held for investment at December 31, 2023 reported above includes impaired loans with a carrying value of $58.3 million that were reduced by specific allowance allocations totaling $20.0 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: Carrying Estimated Fair Value (in thousands) Total Level 1 Level 2 Level 3 December 31, 2024 Financial assets: Cash and cash equivalents $ 3,188,808 $ 3,188,808 $ 3,188,808 $ — $ — Available-for-sale debt securities 3,524,686 3,524,686 277,285 3,235,475 11,926 Held-to-maturity debt securities 796,168 678,174 — 678,174 — Equity securities 75,261 75,261 59,235 16,026 — Loans held for investment, net 22,178,357 22,115,585 — — 22,115,585 Derivative assets 23,202 23,202 — 23,202 — Financial liabilities: Total deposits 25,238,599 25,245,009 — — 25,245,009 Short-term borrowings 885,000 885,000 — 885,000 — Long-term debt 660,346 622,713 — 622,713 — Securities sold not yet purchased 33,705 33,705 33,705 — — Derivative liabilities 57,906 57,906 — 57,906 — December 31, 2023 Financial assets: Cash and cash equivalents $ 3,242,850 $ 3,242,850 $ 3,242,850 $ — $ — Available-for-sale debt securities 3,225,892 3,225,892 636,473 2,577,424 11,995 Held-to-maturity debt securities 865,477 763,844 — 763,844 — Equity securities 51,825 51,825 40,661 11,164 — Loans held for sale 44,105 44,105 15,000 29,105 — Loans held for investment, net 20,090,585 20,050,974 — — 20,050,974 Derivative assets 32,944 32,944 — 32,944 — Financial liabilities: Total deposits 22,371,839 22,379,452 — — 22,379,452 Short-term borrowings 1,500,000 1,500,000 — 1,500,000 — Long-term debt 859,147 801,309 — 801,309 — Securities sold not yet purchased 10,602 10,602 10,602 — — Derivative liabilities 70,917 70,917 — 70,917 —

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments The notional amounts and estimated fair values of derivative positions outstanding are presented in the following table. December 31, 2024 December 31, 2023 Estimated Fair Value Estimated Fair Value (in thousands) Notional Asset Derivative Liability Derivative Notional Asset Derivative Liability Derivative Derivatives designated as hedges Cash flow hedges: Interest rate contracts: Swaps hedging loans $ 2,600,000 $ 254 $ 23,265 $ 2,850,000 $ 668 $ 57,961 Non-hedging derivatives Customer-initiated and other derivatives: Foreign currency forward contracts 485,948 5,462 5,299 4,824 52 31 Interest rate contracts: Swaps 6,273,301 45,771 45,771 5,673,822 65,247 69,863 Caps and floors written 970,451 1,066 2,529 637,971 1,654 2,228 Caps and floors purchased 970,451 2,529 1,066 637,971 2,228 1,654 Forward contracts 20,237,917 41,896 41,035 8,665,675 39,123 38,570 Gross derivatives 96,978 118,965 108,972 170,307 Netting adjustment - offsetting derivative assets/liabilities (44,097) (44,097) (37,346) (37,346) Netting adjustment - cash collateral received/posted (29,679) (16,962) (38,682) (62,044) Net derivatives included on the consolidated balance sheets $ 23,202 $ 57,906 $ 32,944 $ 70,917 The Company’s 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. The Company’s credit exposure associated with these instruments, net of any collateral pledged, was approximately $23.2 million at December 31, 2024 and approximately $32.9 million at December 31, 2023. Collateral levels are monitored and adjusted on a regular basis for changes in the value of derivative instruments. At December 31, 2024, the Company had $71.3 million in cash collateral pledged to counterparties included in interest bearing cash and cash equivalents on the consolidated balance sheet and $31.0 million in cash collateral received from counterparties included in interest bearing deposits on the consolidated balance sheet. The comparative amounts at December 31, 2023, were $119.0 million in cash collateral pledged to counterparties and $42.3 million cash collateral received from counterparties. The Company also enters into credit risk participation agreements with financial institution counterparties for interest rate swaps related to loans in which the Company is either a participant or a lead bank. The risk participation agreements entered into by the Company 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. The Company is party to 17 risk participation agreements where it acts as a participant bank with a notional amount of $228.6 million at December 31, 2024, compared to 14 risk participation agreements with a notional amount of $230.7 million at December 31, 2023. The maximum estimated exposure to these agreements, assuming 100% default by all obligors, was approximately $4.1 million at December 31, 2024 and $4.5 million at December 31, 2023. The fair value of these exposures was insignificant to the consolidated financial statements at both December 31, 2024 and December 31, 2023. Risk participation agreements entered into by the Company as the lead bank provide credit protection should the borrower fail to perform on its interest rate derivative contract. The Company is party to 25 risk participation agreements where the Company acts as the lead bank having a notional amount of $349.5 million at December 31, 2024, compared to 15 agreements having a notional amount of $204.8 million at December 31, 2023. Derivatives Designated as Cash Flow Hedges The Company enters into interest rate derivative contracts that are designated as qualifying cash flow hedges to hedge the exposure to variability in expected future cash flows attributable to changes in a contractually specified interest rate. During the year ended December 31, 2024, the Company recorded $28.7 million in unrealized losses to adjust its cash flow hedges to fair value, which was recorded net of tax to AOCI, and reclassified $66.9 million from AOCI as a decrease to interest income on loans. Based on current market conditions, the Company estimates that during the next 12 months, an additional $22.5 million related to active and terminated hedges will be reclassified from AOCI as a decrease to interest income. As of December 31, 2024, the maximum length of time over which forecasted transactions are hedged is 1.17 years.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Accumulated Other Comprehensive Income	Accumulated Other Comprehensive Income The following table provides the change in AOCI by component: (in thousands) Cash Flow Hedges Available-for-Sale Securities Held-to-Maturity Securities Total Year Ended December 31, 2024 Beginning balance $ (45,749) $ (273,806) $ (42,449) $ (362,004) Change in unrealized gain/(loss) (28,672) (2,883) — (31,555) Amounts reclassified into net income 66,852 179,581 6,844 253,277 Total other comprehensive income/(loss) 38,180 176,698 6,844 221,722 Income tax expense/(benefit) 7,706 34,423 696 42,825 Total other comprehensive income/(loss), net of tax 30,474 142,275 6,148 178,897 Ending balance $ (15,275) $ (131,531) $ (36,301) $ (183,107) Year Ended December 31, 2023 Beginning balance $ (66,394) $ (304,309) $ (48,240) $ (418,943) Change in unrealized gain/(loss) (34,778) 39,101 — 4,323 Amounts reclassified into net income 60,911 (489) 7,330 67,752 Total other comprehensive income/(loss) 26,133 38,612 7,330 72,075 Income tax expense/(benefit) 5,488 8,109 1,539 15,136 Total other comprehensive income/(loss), net of tax 20,645 30,503 5,791 56,939 Ending balance $ (45,749) $ (273,806) $ (42,449) $ (362,004)

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Related Party Transactions	Related Party Transactions During 2024 and 2023, the Company had transactions with its directors, executive officers and their affiliates. These transactions were made in the ordinary course of business and include extensions of credit and deposit transactions, all made on substantially the same terms as the then prevailing market and credit terms extended to other customers.

Parent Company Only

Parent Company Only	12 Months Ended
	Dec. 31, 2024
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) 2024 2023 Assets Cash and cash equivalents $ 205,377 $ 301,672 Investment securities 38,683 18,845 Investment in subsidiaries 3,604,699 3,306,095 Other assets 29,389 55,949 Total assets $ 3,878,148 $ 3,682,561 Liabilities and Stockholders’ Equity Liabilities: Other liabilities $ 50,050 $ 23,695 Long-term debt 485,629 485,191 Total liabilities 535,679 508,886 Stockholders’ Equity: Preferred stock 300,000 300,000 Common stock 515 511 Additional paid-in capital 1,056,719 1,045,576 Retained earnings 2,470,184 2,409,926 Treasury stock (301,842) (220,334) Accumulated other comprehensive income/(loss) (183,107) (362,004) Total stockholders’ equity 3,342,469 3,173,675 Total liabilities and stockholders’ equity $ 3,878,148 $ 3,682,561 Statement of Income Year ended December 31, (in thousands) 2024 2023 2022 Interest on notes receivable $ 2 $ 2,167 $ 3,250 Dividend income 685 7,671 10,529 Other income 148 (94) 9 Total income 835 9,744 13,788 Interest expense 23,925 23,714 19,721 Salaries and benefits 922 835 782 Legal and professional 2,005 1,504 1,583 Other non-interest expense 2,072 1,823 1,636 Total expense 28,924 27,876 23,722 Loss before income taxes and equity in undistributed income of subsidiary (28,089) (18,132) (9,934) Income tax benefit (8,102) (4,537) (2,282) Loss before equity in undistributed income of subsidiary (19,987) (13,595) (7,652) Equity in undistributed income of subsidiary 97,495 201,189 337,946 Net income 77,508 187,594 330,294 Preferred stock dividends 17,250 17,250 17,250 Net income available to common stockholders $ 60,258 $ 170,344 $ 313,044 Statements of Cash Flows Year ended December 31, (in thousands) 2024 2023 2022 Operating Activities Net income $ 77,508 $ 187,594 $ 330,294 Adjustments to reconcile net income to net cash provided by/(used in) operating activities: Equity in undistributed income of subsidiary (97,495) (201,189) (337,946) Depreciation and amortization 438 437 438 Net (gain)/loss recognized on equity securities (4,395) (508) — Changes in operating assets and liabilities: Accrued interest receivable and other assets 26,560 37,446 (2,095) Accrued interest payable and other liabilities 26,355 16,941 3,086 Net cash provided by/(used in) operating activities 28,971 40,721 (6,223) Investing Activities Sales/(purchases) of equity securities, net (15,443) (18,337) — Repayments of investments in/(advances to) subsidiaries (2,000) 160,000 (50,000) Net cash provided by/(used in) investing activities (17,443) 141,663 (50,000) Financing Activities Issuance of stock related to stock-based awards (9,065) (4,215) (4,209) Preferred stock dividends paid (17,250) (17,250) (17,250) Repurchase of common stock (81,508) (105,024) (115,302) Net cash used in financing activities (107,823) (126,489) (136,761) Net increase/(decrease) in cash and cash equivalents (96,295) 55,895 (192,984) Cash and cash equivalents at beginning of year 301,672 245,777 438,761 Cash and cash equivalents at end of year $ 205,377 $ 301,672 $ 245,777

New Accounting Standards

New Accounting Standards	12 Months Ended
	Dec. 31, 2024
Accounting Standards Update and Change in Accounting Principle [Abstract]
New Accounting Standards	New Accounting Standards Accounting Standards Update 2023-09 “Income Taxes (Topic 740) - Improvements to Income Tax Disclosures” (“ASU 2023-09”) enhances the transparency and decision usefulness of income tax disclosures. ASU 2023-09 will require disaggregated information about a reporting entity’s effective tax rate reconciliation as well as information on income taxes paid. Entities will also be required to disclose income/(loss) from continuing operations before income tax expense/(benefit) disaggregated between domestic and foreign, as well as income tax expense/(benefit) from continuing operations disaggregated by federal, state and foreign. ASU 2023-09 is effective January 1, 2025 and is not expected to have a significant impact on the Company’s financial statement disclosures. Accounting Standards Update 2024-01 “Compensation - Stock Compensation (Topic 718) - Scope Application of Profits Interest and Similar Awards” (“ASU 2024-01”) clarifies how an entity determines whether a profits interest or similar award is within the scope of Topic 718 or is not a share-based payment arrangement and therefore within the scope of other guidance. ASU 2024-01 provides an illustrative example with multiple fact patterns and also amends certain language in the “Scope” and “Scope Exceptions” sections of Topic 718 to improve its clarity and operability without changing the guidance. Entities can apply the amendments either retrospectively to all prior periods presented in the financial statements or prospectively to profits interest and similar awards granted or modified on or after the date of adoption. If prospective application is elected, an entity must disclose the nature of and reason for the change in accounting principle. ASU 2024-01 is effective January 1, 2025, including interim periods, and is not expected to have a significant impact on the Company’s financial statements. Accounting Standards Update 2024-02 “Codification Improvements” (“ASU 2024-02”) amends the Codification to remove references to various concepts statements and impacts a variety of topics in the Codification. The amendments apply to all reporting entities within the scope of the affected accounting guidance, but in most instances the references removed are extraneous and not required to understand or apply the guidance. Generally, the amendments in ASU 2024-02 are not intended to result in significant accounting changes for most entities. ASU 2024-02 is effective January 1, 2025 and is not expected to have a significant impact on the Company’s financial statements. Accounting Standards Update 2024-03 “Income Statement Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses” (“ASU 2024-03”) improves financial reporting by requiring that public business entities disclose additional information about specific expense categories (certain costs and expenses) in the notes to the financial statements. ASU 2024-03 is effective January 1, 2026 and is not expected to have a significant impact on the Company’s financial statements. Accounting Standards Update 2024-04 “Debt - Debt with Conversion and Other Options (Subtopic 470-20)” (“ASU 2024-04”) clarifies wither the settlement of convertible debt, including debt containing cash conversion features at terms that are different from the terms included in the existing debt instrument, should be accounted for as an induced conversion or a debt extinguishment. ASU 2024-04 is effective for public business entities January 1, 2025 and is not expected to have a significant impact on the Company’s financial statements.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net income	$ 77,508	$ 189,141	$ 332,478

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	12 Months Ended
	Dec. 31, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	Cybersecurity risks are constantly evolving and becoming increasingly pervasive across all industries. To mitigate these risks and protect sensitive customer data, financial transactions and the Company’s information systems, the Company has implemented a comprehensive cybersecurity risk management program, which is a component of its overarching enterprise risk management program. Key components of the cybersecurity risk management program include: • A risk assessment process that identifies and prioritizes material cybersecurity risks; defines and evaluates the effectiveness of controls to mitigate the risks; and reports results to executive management and the Board of Directors. • A third-party Managed Detection and Response (“MDR”) service, which monitors the security of the Company’s information systems around-the-clock, including intrusion detection and alerting. • A dedicated cybersecurity team covering all critical cyber defense functions such as engineering, data protection, identity and access management, insider risk management, security operations, threat emulation and threat intelligence. • A training program that educates employees about cybersecurity risks and how to protect themselves from cyberattacks. • An awareness program that keeps employees informed about cybersecurity threats and how to stay safe online. • An incident response plan that outlines the steps the Company will take to respond to a cybersecurity incident, which is tested on a periodic basis. The Company engages reputable third-party assessors to conduct various independent risk assessments on a regular basis, including but not limited to maturity assessments and various testing. Following a defense-in-depth strategy, the Company leverages both in-house resources and third-party service providers to implement and maintain processes and controls to manage the identified risks. The Company’s Third-Party Risk Management program is designed to ensure that its vendors meet its cybersecurity requirements. This includes conducting periodic risk assessments of vendors, requiring vendors to implement appropriate cybersecurity controls and monitoring vendor compliance with the Company’s cybersecurity requirements. The Company’s cybersecurity risk management program and strategy are designed to ensure the company's information and information systems are appropriately protected from a variety of threats, both natural and man-made. Periodic risk assessments are performed to validate control requirements and ensure that the Company’s information is protected at a level commensurate with its sensitivity, value, and criticality. Preventative and detective security controls are employed on all media where information is stored, the systems that process it, and infrastructure components that facilitate its transmission to ensure the confidentiality, integrity, and availability of Company information. These controls include, but are not limited to access control, data encryption, data loss prevention, incident response, security monitoring, third party risk management, and vulnerability management. The Company's cybersecurity risk management program and strategy are regularly reviewed and updated to ensure that they are aligned with the Company's business objectives and are designed to address evolving cybersecurity threats and satisfy regulatory requirements and industry standards. Material Effects of Cybersecurity Threats While cybersecurity risks have the potential to materially affect the Company's business, financial condition, and results of operations, the Company does not believe that risks from cybersecurity threats or attacks, including as a result of any previous cybersecurity incidents, have materially affected the Company, including its business strategy, results of operations or financial condition. However, the sophistication of cyber threats continues to increase, and the Company’s cybersecurity risk management and strategy may be insufficient or may not be successful in protecting against all cyber incidents. Accordingly, no matter how well designed or implemented the Company’s controls are, it will not be able to anticipate all cyber security breaches, and it may not be able to implement effective preventive measures against such security breaches in a timely manner. For more information on how cybersecurity risk may materially affect the Company’s business strategy, results of operations or financial condition, please refer to Item 1A. Risk Factors.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	Cybersecurity risks are constantly evolving and becoming increasingly pervasive across all industries. To mitigate these risks and protect sensitive customer data, financial transactions and the Company’s information systems, the Company has implemented a comprehensive cybersecurity risk management program, which is a component of its overarching enterprise risk management program. Key components of the cybersecurity risk management program include: • A risk assessment process that identifies and prioritizes material cybersecurity risks; defines and evaluates the effectiveness of controls to mitigate the risks; and reports results to executive management and the Board of Directors. • A third-party Managed Detection and Response (“MDR”) service, which monitors the security of the Company’s information systems around-the-clock, including intrusion detection and alerting. • A dedicated cybersecurity team covering all critical cyber defense functions such as engineering, data protection, identity and access management, insider risk management, security operations, threat emulation and threat intelligence. • A training program that educates employees about cybersecurity risks and how to protect themselves from cyberattacks. • An awareness program that keeps employees informed about cybersecurity threats and how to stay safe online. • An incident response plan that outlines the steps the Company will take to respond to a cybersecurity incident, which is tested on a periodic basis.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	The Company’s board of directors is charged with overseeing the establishment and execution of the Company’s risk management framework and monitoring adherence to related policies required by applicable statutes, regulations and principles of safety and soundness. Consistent with this responsibility, the board of directors has delegated primary oversight responsibility (i) of the Company’s general risk management framework to the Risk Committee of the board of directors and (ii) of the Company’s information technology, cybersecurity risk and cybersecurity risk management to the Technology Committee of the board of directors, which was formed in the first quarter of 2025. At least one member of the Risk Committee also serves as a member of the Technology Committee. The Risk Committee previously has received, and the Technology Committee will receive on an ongoing basis, regular updates on the Company’s cybersecurity risks and incidents and the cybersecurity program through direct interaction with the Chief Information Security Officer (“CISO”) and the Chief Security
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	Consistent with this responsibility, the board of directors has delegated primary oversight responsibility (i) of the Company’s general risk management framework to the Risk Committee of the board of directors and (ii) of the Company’s information technology, cybersecurity risk and cybersecurity risk management to the Technology Committee of the board of directors, which was formed in the first quarter of 2025. At least one member of the Risk Committee also serves as a member of the Technology Committee.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Risk Committee previously has received, and the Technology Committee will receive on an ongoing basis, regular updates on the Company’s cybersecurity risks and incidents and the cybersecurity program through direct interaction with the Chief Information Security Officer (“CISO”) and the Chief Security Officer (“CSO”). The Risk Committee previously has provided, and the Technology Committee will provide on an ongoing basis, updates regarding cybersecurity risks and the cybersecurity program to the full board of directors. Additionally, awareness and training on cybersecurity topics is provided to the board of directors on an annual basis.
Cybersecurity Risk Role of Management [Text Block]	The Information Security department is responsible for implementing and maintaining the Company’s cybersecurity risk management program. The Information Security department consists of cybersecurity and information risk professionals who assess, identify, and manage cybersecurity risks. Information Security is led by the CISO, who reports directly to the Chief Information Officer and the board of directors with dotted-line reporting to the Chief Risk Officer. The Company’s CISO has over 20 years of experience in cybersecurity across the financial services industry as well as experience working in a leading managed security services provider. Prior to joining the Company, the Company’s CISO served as leader of the Global Threat Management Center for a major global financial institution. The Information Risk department is led by the CSO, who reports directly to the Chief Risk Officer. The CSO is responsible for ensuring the protection of electronic and physical information through the identification and management of risk activities. As a governance and oversight function, the Information Risk department measures and reports on the quality of information and cyber risk management across all functions of the firm. Information security risk is reported by both the Information Security and Information Risk departments through monthly management metric reporting working groups and multiple layers of quarterly risk committees to achieve an appropriate flow of information risk reporting to the board of directors. The risk committees include the Operational and Information Technology Risk Management Committee, the Executive Risk Management Committee and the Risk Committee and Technology Committee of the board of directors. These committees establish and oversee policies, programs, and other guidance to provide specific expectations for managing cybersecurity risk.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	The Information Security department is responsible for implementing and maintaining the Company’s cybersecurity risk management program. The Information Security department consists of cybersecurity and information risk professionals who assess, identify, and manage cybersecurity risks. Information Security is led by the CISO, who reports directly to the Chief Information Officer and the board of directors with dotted-line reporting to the Chief Risk Officer.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The Company’s CISO has over 20 years of experience in cybersecurity across the financial services industry as well as experience working in a leading managed security services provider. Prior to joining the Company, the Company’s CISO served as leader of the Global Threat Management Center for a major global financial institution.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	As a governance and oversight function, the Information Risk department measures and reports on the quality of information and cyber risk management across all functions of the firm. Information security risk is reported by both the Information Security and Information Risk departments through monthly management metric reporting working groups and multiple layers of quarterly risk committees to achieve an appropriate flow of information risk reporting to the board of directors.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Operations and Summary of Sig_2

Operations and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Organization and Nature of Business	Organization and Nature of Business Texas Capital Bancshares, Inc. (“TCBI” or the “Company”) is a registered bank holding company and a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs and individual customers. TCBI is headquartered in Dallas, with primary banking offices in Austin, Dallas, Fort Worth, Houston and San Antonio, and has built a network of clients across the country. The Company’s business activities are conducted primarily through its wholly-owned bank subsidiary Texas Capital Bank (the “Bank”) and its wholly-owned non-bank subsidiary, TCBI Securities Inc. (“TCBI Securities”). The Bank is a Texas state-chartered bank. TCBI Securities is a registered broker-dealer with the U.S. Securities and Exchange Commission (“SEC”) and a member of the Financial Industry Regulatory Authority (“FINRA”) and Municipal Securities Rulemaking Board (“MSRB”). The Company was incorporated as a Delaware corporation in 1996 and commenced banking operations in 1998.
Basis of Presentation	Basis of Presentation The Company’s accounting and reporting policies conform to accounting principles generally accepted in the United States (“GAAP”) and to generally accepted practices within the banking industry. Certain prior period balances have been reclassified to conform to the current period presentation.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for credit losses, the fair value of financial instruments and the status of contingencies are particularly susceptible to significant change. See the Allowance for Credit Losses accounting policy below for additional details of these changes.
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.
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. 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. Gains or losses realized upon the sale of debt securities are recorded 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. The Company has made a policy election to exclude accrued interest from the amortized cost basis of debt securities and report accrued interest separately in accrued interest and other assets on the consolidated balance sheets. Available-for-sale and held-to-maturity debt securities are placed on non-accrual status when management no longer expects 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, the Company does not recognize an allowance for credit loss against accrued interest receivable. 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 the Company has the positive intent and ability to hold the securities to maturity. Held-to-maturity securities are stated at amortized cost, net of any allowance for credit losses. Management may transfer debt securities classified as available-for-sale to held-to-maturity when upon reassessment it is determined that the Company has both the positive intent and ability to hold these securities to maturity. The debt securities are transferred at fair value resulting in a premium or discount recorded on transfer date. Unrealized gains or losses at the date of transfer continue to be reported as a separate component of accumulated other comprehensive income/loss, net (“AOCI”). The premium or discount and the unrealized gain or loss, net of tax, in AOCI will be amortized to interest income over the remaining life of the securities using the interest method. 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, the Company first assesses whether it intends to sell, or it is more-likely-than-not that it 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 recorded on the consolidated statements of income and other comprehensive income. If either of the above criteria is not met, management evaluates whether the decline in fair value is the result of credit losses or other factors. In making this assessment, management 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. Included in debt securities available-for-sale are credit risk transfer (“CRT”) securities, which 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 the Company shares in 50% of the first losses with the GSE. If the reference pool incurs losses, the amount the Company will recover on the notes is reduced by its 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.
Loans	Loans Loans Held for Sale Loans held for sale are carried at the lower of cost or fair value, unless, pursuant to the election of the fair value option in accordance with Accounting Standards Codification (“ASC”) 825, Financial Instruments , the Company elects to carry loans held for sale at fair value. As of December 31, 2024 and December 31, 2023, the Company has no loans held for sale accounted for under the fair value option. 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 direct loan origination costs. Interest on loans is recognized using the simple interest method on the daily balances of the principal amounts outstanding. Loan origination fees, net of direct loan origination costs, and commitment fees are deferred and amortized as an adjustment to yield over the life of the loan, or over the commitment period, as applicable. A loan is considered past due when a contractually due payment has not been received by the contractual due date. The Company places 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 all amounts due will be collected (both principal and interest) according to the terms of the loan agreement. Loans held for investment includes legal ownership interests in mortgage loans that the Company purchases from unaffiliated mortgage originators, either directly or through a special purpose entity (“SPE”) structure, who are seeking additional liquidity to facilitate their ability to originate loans. In the case of an SPE structure, the unaffiliated mortgage originator is responsible for formation of the SPE and ongoing servicing of the underlying mortgage loans, and thus is the primary beneficiary of the SPE. The mortgage originator has no obligation to offer and the Company has 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, the Company’s ownership interest and that of the originator are delivered to the investor selected by the originator. The Company typically purchases up to a 99% ownership interest in each mortgage with the originator owning the remaining percentage. These mortgage ownership interests are generally held for a period of less than 30 days and more typically 10-20 days. Because of conditions in agreements with originators (or SPEs) 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 (or SPEs) and payments received from investors are deemed to be payments made by or on behalf of the originators (or SPEs) to repay the loan. Because the Company has an actual, legal ownership interest in the underlying residential mortgage loan, these interests are reported as extensions of credit to the originators (or SPEs) that are secured by the mortgage loans as collateral. Due to market conditions or events of default by the investor or the originators (or SPEs), the Company 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. Purchased loans are evaluated upon acquisition in order to determine if the loan, or pool of loans, has experienced more-than-insignificant deterioration in credit quality since origination or issuance (“PCD loans”). PCD loans are recorded at fair value at the acquisition date along with an allowance for credit losses determined using the same methodology as originated loans. The sum of the loan’s purchase price and allowance for credit losses becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a non-credit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through provision for credit losses.
Allowance for Credit Losses	Allowance for Credit Losses The Company’s allowance for credit losses is determined using a current expected credit loss (“CECL”) model. 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 Accounting Standards Update 2016-02 "Leases (Topic 842)" . The following is a discussion of the allowance for credit losses on loans held for investment and off-balance sheet credit exposures. See “ Investment Securities - Debt Securities ” above for discussion of the allowance for credit losses on available-for-sale and held-to maturity debt securities. The CECL methodology recognizes lifetime expected credit losses immediately when a financial asset is originated or purchased. The allowance for credit losses on loans 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. The allowance for credit losses on off-balance sheet financial instruments is recorded in other liabilities on the consolidated balance sheets. 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, gross domestic product, property values, or other relevant factors. The allowance for credit losses is comprised of reserves measured on a collective (pool) basis when similar risk characteristics exist. Loans that do not share risk characteristics are assigned a reserve based on an individual evaluation and are not included in the collective (pool) evaluation. For purposes of determining the collective (pool) allowance for credit losses, the loan portfolio is segregated into pools first by portfolio segment and then by past due status or credit grade. Each pool is assigned a loss estimate, reflecting historical loss rates that incorporate probability of default and severity of losses over the estimated remaining life of the loans. These loss estimates are then modified to incorporate a reasonable and supportable forecast of future losses at the pool level, as well as any necessary qualitative adjustments using a Portfolio Level Qualitative Factor (“PLQF”) and/or a Portfolio Segment Level Qualitative Factor (“SLQF”). A similar process is employed to calculate a reserve assigned to off-balance financial instruments, specifically unfunded loan commitments and letters of credit. Modified loss estimates are assigned based on the balance of the commitments estimated to be outstanding at the time of default. 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. The Company generally uses a two-year forecast period, based on a single forecast scenario or a blend of multiple forecast scenarios, using variables management believes are most relevant to each portfolio segment. For periods beyond which management is able to develop reasonable and supportable forecasts, the Company reverts to the average historical loss rate, reflecting historical default probabilities and loss severities, using a reversion speed that approximates 1 to 2 years. 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 the Company’s methodology for measuring expected credit losses. A summary of the primary portfolio segments is as follows: Commercial. The commercial loan portfolio is comprised of lines of credit for working capital, term loans, reserve-based loans to energy exploration and production companies, 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, and acquisitions and are generally secured by accounts receivable, inventory, oil and gas reserves, equipment and other assets of clients’ businesses. Mortgage Finance. Mortgage finance loans include legal ownership interests in mortgage loans that the Company purchases from unaffiliated mortgage originators, either directly or through a SPE structure, that are generally held 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 the Company repurchases the remaining interests in the mortgage loans and hold them beyond the expected 10-20 days. Commercial Real Estate (“CRE”). The CRE portfolio is comprised of construction/development financing and limited term financing provided to professional real estate developers, owners/managers of commercial real estate projects and properties, and residential builders/developers. Collateral properties include office buildings, warehouse/distribution buildings, shopping centers, hotels/motels, senior living, apartment buildings, residential and commercial tract developments, and raw land or lots to be developed into single-family homes. The primary source of repayment on these loans is expected to come from the sale, permanent financing or lease of the real property collateral. The performance of these loans is impacted by fluctuations in collateral values, the ability of the borrower to obtain permanent financing, and, in the case of loans to residential builder/developers, volatility in consumer demand. Consumer. This category of loans is comprised of loans made to consumers for personal expenditures, first and second lien mortgages made for the purpose of purchasing or constructing 1-4 family residential dwellings and home equity revolving lines of credit. The Company has 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 the 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 the Company 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 the Company’s 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 Committee and Risk Committee of the board of directors for their review. The committees report to the board of directors as part of the board of directors’ quarterly review of the Company’s 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. The Company does 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.
Goodwill and Other Intangible Assets, Net	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. The Company had $1.5 million of goodwill at both December 31, 2024 and December 31, 2023. Intangible assets with definite useful lives are amortized over their estimated life. No amortization expense related to intangible assets was recorded during the years ended December 31, 2024 or December 31, 2023, as compared to $338,000 during the years ended December 31, 2022. 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. In 2024 and 2023, the annual test of goodwill impairment was performed, and in both periods, no impairment was indicated.
Premises and Equipment, Net	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 are 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. The Company 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 Company’s exposure to credit loss in the event of non-performance by the other party to these financial instruments is represented by the contractual amount of the instruments. The Company 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 Company evaluates each customer’s creditworthiness on a case-by-case basis. Commitments to extend credit generally do not include mortgage finance loan arrangements with mortgage loan originators (or SPEs), which are established as uncommitted “guidance” purchase and sale facilities under which the mortgage originator has no obligation to offer and the Company has no obligation to purchase interests in the mortgage loans subject to the arrangements. Standby letters of credit are conditional commitments issued by the Company 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.
Leases	Leases Right of use (“ROU”) assets represent the Company’s right to use an underlying asset during the lease term and lease liabilities represent its 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. Operating leases relate primarily to real estate used for corporate offices and bank branches and finance leases relate primarily to equipment. The Company does not separate lease and non-lease components for 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 the incremental borrowing rate on the effective date of the lease, which is based on the Company’s collateralized borrowing capabilities over a similar term as the related lease payments. ROU assets are further adjusted for lease incentives. Operating leases in which the Company is the lessee are recorded as operating lease ROU assets and operating lease liabilities, and are included in other assets and other liabilities, respectively, on the 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 recorded in net occupancy expense on the consolidated statements of income and other comprehensive income. Finance leases in which the Company is 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 the 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. Variable costs, such as maintenance expenses, parking and property and sales taxes, are expensed as they are incurred, and are recorded in net occupancy 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 the Company’s revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as loans, letters of credit, derivatives and investment securities, as these activities are subject to other GAAP discussed elsewhere within the Company’s disclosures. Descriptions of revenue-generating activities that are within the scope of ASC 606, which are presented in the 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 the 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 on a quarterly basis and recognized ratably throughout the quarter as the 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 originators (or SPEs) related to mortgage finance loans. Revenue is recognized when the related mortgage loan interest is disposed (i.e., through sale or payoff) or upon receipt of the facility renewal or application. • Investment banking and advisory fees - this includes fees for merger, acquisition, divestiture and restructuring advisory services, fees for securities underwriting activities and loan and security syndication 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. • Trading income - this includes fees for derivative transactions which are generally recognized when the derivative transaction occurs. Also included in trading income are realized and unrealized gains and losses recognized on the Company’s trading assets and liabilities. Realized gains and losses are generally recognized when a sale occurs and unrealized gains and losses are generally recognized monthly as the trading assets and liabilities are marked to fair value. • 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 commercial credit card clients process transactions through card networks. The Company’s performance obligations are generally complete when the transactions generating the fees are processed.
Stock-based Compensation	Stock-based Compensation The Company accounts 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 over the requisite service period, with forfeitures recognized as they occur, 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. As compensation expense is recognized, a deferred tax asset is recorded that represents an estimate of the future tax deduction from exercise or release of restrictions. At the time awards are exercised, cancelled, expire or restrictions are released, the Company recognizes an adjustment to income tax expense for the difference between the previously estimated tax deduction and the actual tax deduction realized.
Income Taxes	Income Taxes The Company and its subsidiary file a consolidated federal income tax return. The Company utilizes 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 and derivative instruments designated as hedges 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, Variable Rate Short-term Borrowings and Variable Rate Long-term Debt The fair value of these financial instruments approximates carrying value. Investment Securities The fair value of the Company’s U.S. Treasury, U.S. government agency, residential mortgage-backed and commercial mortgage-backed securities are based on prices obtained from independent pricing services. The Company’s U.S. Treasury securities are valued based on quoted market prices for identical securities in an active market and are classified as Level 1 assets in the fair value hierarchy, while the Company’s U.S. government agency, residential mortgage-backed and commercial mortgage-backed securities are valued based on quoted market prices for the same or similar securities and are characterized as Level 2 assets in the fair value hierarchy. Management obtains documentation from the primary independent pricing service regarding the processes and controls applicable to pricing investment securities, and on a quarterly basis independently verify the prices that were received from the service provider using two additional independent pricing sources. CRT securities 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. Within the investment securities portfolio, the Company holds equity securities that consist of investments that qualify for consideration under the regulations implementing the Community Reinvestment Act and investments in exchange traded funds. 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. 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. Securities Sold Not Yet Purchased The fair value for securities sold but not yet purchased is derived from quoted prices in active markets and are classified as Level 1 liabilities in the fair value hierarchy. Derivative Assets and Liabilities The estimated fair value of derivative assets and liabilities 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, management independently verifies the fair value using an additional independent pricing source.
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, and the related cash flows are recorded in the operating activities section of the consolidated statement of cash flows. The Company records 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. Non-Hedging Derivatives The Company enters into interest rate derivative instruments with customers while at the same time entering into offsetting interest rate derivative instruments with another financial institution. These transactions allow the customer to effectively manage their exposure to a variable rate loan. Because the Company acts as an intermediary for its customers, changes in the fair value of the underlying derivative instruments substantially offset each other and do not have a material impact on the Company’s results of operations. The Company offers forward contract derivative instruments, such as to-be-announced U.S. agency residential mortgage-back securities, to its mortgage banking customers to allow the customers to mitigate exposure to market risks associated with the purchase or origination of mortgage loans. To mitigate the Company’s exposure to these forward contracts, the Company will enter into offsetting forward contracts, most typically with a financial institution. Any changes in fair value to the forward contract derivative instruments are recorded in trading income on the consolidated statements of income and other comprehensive income. The Company also offers foreign currency derivative instruments in which the Company enters 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. The transaction allows the customer to manage their exposure to foreign currency exchange rate fluctuations. Because the Company acts as an intermediary for its customers, changes in the fair value of the underlying derivative instruments substantially offset each other and do not have a material impact on the Company’s results of operations. Derivatives Designated as Hedges
Segment Reporting	Segment Reporting The Company adopted Accounting Standards Update 2023-07 “ Segment Reporting (Topic 280) - Improvement to Reportable Segment Disclosures” on January 1, 2024. The Company has determined that all of its banking divisions and subsidiaries meet the aggregation criteria of ASC 280, Segment Reporting , as its current operating model is structured whereby banking divisions and subsidiaries serve a similar base of primarily commercial clients utilizing a company-wide offering of similar products and services managed through similar processes and platforms that are collectively reviewed by the Company’s Chief Executive Officer, who has been identified as the chief operating decision maker (“CODM”).

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2024
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) 2024 2023 2022 Numerator: Net income $ 77,508 $ 189,141 $ 332,478 Preferred stock dividends 17,250 17,250 17,250 Net income available to common stockholders $ 60,258 $ 171,891 $ 315,228 Denominator: Basic earnings per common share—weighted average common shares 46,559,668 48,054,935 50,457,746 Effect of dilutive outstanding stock-settled awards 429,536 555,271 588,996 Dilutive earnings per common share—weighted average diluted common shares 46,989,204 48,610,206 51,046,742 Basic earnings per common share $ 1.29 $ 3.58 $ 6.25 Diluted earnings per common share $ 1.28 $ 3.54 $ 6.18 Anti-dilutive outstanding stock-settled awards — 97,368 311,226

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Summary of Available-for-Sale Debt Securities	The following is a summary of the Company’s investment securities: (in thousands) Amortized Gross Gross Estimated December 31, 2024 Available-for-sale debt securities: U.S. Treasury securities $ 280,137 $ — $ (2,852) $ 277,285 Residential mortgage-backed securities 3,195,145 7,200 (168,302) 3,034,043 Commercial mortgage-backed securities 206,830 — (5,398) 201,432 CRT securities 12,466 — (540) 11,926 Total available-for-sale debt securities 3,694,578 7,200 (177,092) 3,524,686 Held-to-maturity debt securities: Residential mortgage-backed securities 796,168 — (117,994) 678,174 Total held-to-maturity debt securities 796,168 — (117,994) 678,174 Equity securities 75,261 Total investment securities(2) $ 4,396,115 December 31, 2023 Available-for-sale debt securities: U.S. Treasury securities $ 651,112 $ — $ (14,639) $ 636,473 U.S. government agency securities 125,000 — (18,408) 106,592 Residential mortgage-backed securities 2,782,734 540 (312,442) 2,470,832 CRT securities 13,636 — (1,641) 11,995 Total available-for-sale debt securities 3,572,482 540 (347,130) 3,225,892 Held-to-maturity securities: Residential mortgage-backed securities 865,477 — (101,633) 763,844 Total held-to-maturity securities 865,477 — (101,633) 763,844 Equity securities 51,825 Total investment securities(2) $ 4,143,194 (1) Excludes accrued interest receivable of $13.8 million and $9.5 million at December 31, 2024 and December 31, 2023, respectively, related to available-for-sale debt securities and $1.3 million and $1.4 million at December 31, 2024 and December 31, 2023, respectively, related to held-to-maturity debt securities that is recorded in accrued interest receivable and other assets on the consolidated balance sheets. (2) Includes available-for-sale debt securities and equity securities at estimated fair value and held-to-maturity debt securities at amortized cost.
Summary of Amortized Cost, Estimated Fair Value, and Weighted Average Yields for Available-for-Sale Debt Securities	The amortized cost and estimated fair value as of December 31, 2024, excluding accrued interest receivable, of available-for-sale and held-to-maturity debt securities are presented below by contractual maturity. Actual maturities may differ from contractual maturities of mortgage-backed securities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. Available-for-sale Held-to-maturity (in thousands) Amortized Cost Fair Value Amortized Cost Fair Value Due within one year $ 184,536 $ 182,862 $ — $ — Due after one year through five years 95,601 94,423 — — Due after five years through ten years 197,043 191,957 — — Due after ten years 3,217,398 3,055,444 796,168 678,174 Total $ 3,694,578 $ 3,524,686 $ 796,168 $ 678,174 The table below presents the weighted average yields for the Company’s available-for-sale debt securities for the year ended December 31, 2024. Weighted average yields are calculated based on amortized cost on a tax-exempt basis assuming a 21% federal tax rate, where applicable. U.S. Treasury securities Residential mortgage-backed securities Commercial mortgage-backed securities CRT securities Due within one year 3.14 % — % — % — % Due after one year through five years 3.12 — — — Due after five years through ten years — 3.86 4.68 4.47 Due after ten years — 4.55 4.35 — Total 3.13 % 4.55 % 4.64 % 4.47 %
Schedule of Available-for-Sale Debt Securities in a Continuous Unrealized Loss Position	The following table discloses the Company’s 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, 2024 U.S. Treasury securities $ — $ — $ 277,285 $ (2,852) $ 277,285 $ (2,852) U.S. government agency securities — — — — — — Residential mortgage-backed securities 1,338,801 (18,141) 1,323,180 (150,161) 2,661,981 (168,302) Commercial mortgage-backed securities 201,432 (5,398) — — 201,432 (5,398) CRT securities — — 11,926 (540) 11,926 (540) Total $ 1,540,233 $ (23,539) $ 1,612,391 $ (153,553) $ 3,152,624 $ (177,092) December 31, 2023 U.S. Treasury securities $ — $ — $ 636,473 $ (14,639) $ 636,473 $ (14,639) U.S. government agency securities — — 106,592 (18,408) 106,592 (18,408) Residential mortgage-backed securities 910,999 (19,751) 1,501,340 (292,691) 2,412,339 (312,442) CRT securities — — 11,995 (1,641) 11,995 (1,641) Total $ 910,999 $ (19,751) $ 2,256,400 $ (327,379) $ 3,167,399 $ (347,130)
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) 2024 2023 Net gains/(losses) recognized during the period $ 6,619 $ 3,571 Less: Realized net gains/(losses) recognized on securities sold 1,032 (393) Unrealized net gains/(losses) recognized on securities still held $ 5,587 $ 3,964

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses on Loans (Tables)	12 Months Ended
	Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Schedule of loans held for investments	Loans are summarized by portfolio segment as follows: (in thousands) December 31, 2024 December 31, 2023 Loans held for investment(1): Commercial $ 11,145,591 $ 10,410,766 Mortgage finance 5,215,574 3,978,328 Commercial real estate 5,616,282 5,500,774 Consumer 565,376 530,948 Gross loans held for investment 22,542,823 20,420,816 Unearned income (net of direct origination costs) (92,757) (80,258) Total loans held for investment 22,450,066 20,340,558 Allowance for credit losses on loans (271,709) (249,973) Total loans held for investment, net $ 22,178,357 $ 20,090,585 Loans held for sale: Mortgage loans, at fair value $ — $ 706 Non-mortgage loans, at lower of cost or fair value — 43,399 Total loans held for sale $ — $ 44,105 (1) Excludes accrued interest receivable of $107.3 million and $118.1 million at December 31, 2024 and December 31, 2023, respectively, that is recorded in accrued interest receivable and other assets on the consolidated balance sheets.
Summary of PCD Loans	The following table provides a summary of PCD loans purchased and the associated credit loss reserve at acquisition date: (in thousands) Total Par value (unpaid principal balance) $ 20,139 Allowance for credit losses on loans at acquisition (2,579) Non-credit premium 2,448 Purchase price $ 20,008
Schedule of the credit risk profile of loan portfolio by internally assigned grades and nonaccrual status	The following tables summarize gross loans held for investment by year of origination and internally assigned credit grades: (in thousands) 2024 2023 2022 2021 2020 2019 Revolving lines of credit Revolving lines of credit converted to term loans Total December 31, 2024 Commercial (1-7) Pass $ 1,612,695 $ 1,156,414 $ 1,256,539 $ 307,590 $ 76,821 $ 169,974 $ 6,027,177 $ 12,040 $ 10,619,250 (8) Special mention 22,953 28,354 134,092 21,626 30 6,369 91,423 — 304,847 (9) Substandard - accruing 623 44,901 51,536 7,855 301 3,309 37,405 — 145,930 (9+) Non-accrual — 9,220 8,057 — 360 23,708 34,219 — 75,564 Total commercial $ 1,636,271 $ 1,238,889 $ 1,450,224 $ 337,071 $ 77,512 $ 203,360 $ 6,190,224 $ 12,040 $ 11,145,591 Mortgage finance (1-7) Pass $ — $ — $ — $ — $ — $ — $ 5,215,574 $ — $ 5,215,574 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Total mortgage finance $ — $ — $ — $ — $ — $ — $ 5,215,574 $ — $ 5,215,574 Commercial real estate (1-7) Pass $ 599,301 $ 889,603 $ 1,843,706 $ 885,913 $ 216,077 $ 704,288 $ 273,663 $ 18,085 $ 5,430,636 (8) Special mention 25,532 4,353 70,161 15,831 299 13,731 — 872 130,779 (9) Substandard - accruing — — — — — 20,230 — — 20,230 (9+) Non-accrual 85 — 20,637 — — 13,915 — — 34,637 Total commercial real estate $ 624,918 $ 893,956 $ 1,934,504 $ 901,744 $ 216,376 $ 752,164 $ 273,663 $ 18,957 $ 5,616,282 Consumer (1-7) Pass $ 44,352 $ 28,289 $ 54,148 $ 75,924 $ 40,667 $ 99,471 $ 220,561 $ — $ 563,412 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — 1,000 — 1,000 (9+) Non-accrual — — — — — 964 — — 964 Total consumer $ 44,352 $ 28,289 $ 54,148 $ 75,924 $ 40,667 $ 100,435 $ 221,561 $ — $ 565,376 Total $ 2,305,541 $ 2,161,134 $ 3,438,876 $ 1,314,739 $ 334,555 $ 1,055,959 $ 11,901,022 $ 30,997 $ 22,542,823 Gross charge-offs $ 994 $ 7,543 $ 550 $ 4,037 $ 537 $ 8,784 $ 23,566 $ 44 $ 46,055 (in thousands) 2023 2022 2021 2020 2019 2018 Revolving lines of credit Revolving lines of credit converted to term loans Total December 31, 2023 Commercial (1-7) Pass $ 1,546,257 $ 1,408,672 $ 279,266 $ 144,699 $ 142,301 $ 157,808 $ 6,284,464 $ 16,580 $ 9,980,047 (8) Special mention 22,148 118,991 35,619 285 823 13,385 40,647 89 231,987 (9) Substandard - accruing 12,477 50,876 9,334 18,547 — 78 38,372 — 129,684 (9+) Non-accrual 9,395 34,229 340 2,085 15,080 7,840 79 — 69,048 Total commercial $ 1,590,277 $ 1,612,768 $ 324,559 $ 165,616 $ 158,204 $ 179,111 $ 6,363,562 $ 16,669 $ 10,410,766 Mortgage finance (1-7) Pass $ — $ — $ — $ — $ — $ — $ 3,978,328 $ — $ 3,978,328 (8) Special mention — — — — — — — — — (9) Substandard - accruing — — — — — — — — — (9+) Non-accrual — — — — — — — — — Total mortgage finance $ — $ — $ — $ — $ — $ — $ 3,978,328 $ — $ 3,978,328 Commercial real estate (1-7) Pass $ 561,801 $ 1,689,325 $ 1,042,953 $ 419,703 $ 317,480 $ 559,026 $ 575,928 $ 28,175 $ 5,194,391 (8) Special mention — 136,801 32,937 24,440 34,181 22,833 7,895 — 259,087 (9) Substandard - accruing — 2,232 — — — 28,573 4,141 — 34,946 (9+) Non-accrual — — 12,350 — — — — — 12,350 Total commercial real estate $ 561,801 $ 1,828,358 $ 1,088,240 $ 444,143 $ 351,661 $ 610,432 $ 587,964 $ 28,175 $ 5,500,774 Consumer (1-7) Pass $ 31,876 $ 56,425 $ 78,096 $ 47,423 $ 14,141 $ 102,691 $ 199,171 $ — $ 529,823 (8) Special mention — — — — — — 100 41 141 (9) Substandard - accruing — — — — — 984 — — 984 (9+) Non-accrual — — — — — — — — — Total Consumer $ 31,876 $ 56,425 $ 78,096 $ 47,423 $ 14,141 $ 103,675 $ 199,271 $ 41 $ 530,948 Total $ 2,183,954 $ 3,497,551 $ 1,490,895 $ 657,182 $ 524,006 $ 893,218 $ 11,129,125 $ 44,885 $ 20,420,816 Gross charge-offs $ 8,364 $ 5,090 $ 25,578 $ — $ 15,243 $ 883 $ 698 $ 871 $ 56,727
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 does not preclude its availability to absorb losses in other categories. (in thousands) Commercial Mortgage Commercial Real Estate Consumer Total Year Ended December 31, 2024 Beginning balance $ 171,437 $ 4,173 $ 71,829 $ 2,534 $ 249,973 Allowance established for acquired PCD loans 2,579 — — — 2,579 Provision for credit losses on loans 57,019 (1,418) 5,242 (813) 60,030 Charge-offs 37,761 — 8,264 30 46,055 Recoveries 5,149 — 18 15 5,182 Net charge-offs (recoveries) 32,612 — 8,246 15 40,873 Ending balance $ 198,423 $ 2,755 $ 68,825 $ 1,706 $ 271,709 Year Ended December 31, 2023 Beginning balance $ 185,303 $ 10,745 $ 54,268 $ 3,153 $ 253,469 Provision for credit losses on loans 31,529 (6,572) 23,057 (583) 47,431 Charge-offs 51,186 — 5,500 41 56,727 Recoveries 5,791 — 4 5 5,800 Net charge-offs (recoveries) 45,395 — 5,496 36 50,927 Ending balance $ 171,437 $ 4,173 $ 71,829 $ 2,534 $ 249,973
Schedule of an age analysis of accruing past due loans	The table below provides an age analysis of gross loans held for investment: (in thousands) 30-59 Days 60-89 Days 90 Days or More Past Due Total Past Non-accrual(1) Current Total Non-accrual With No Allowance December 31, 2024 Commercial $ 7,635 $ 7,357 $ 3,483 $ 18,475 $ 75,564 $ 11,051,552 $ 11,145,591 $ 11,036 Mortgage finance — — — — — 5,215,574 5,215,574 — Commercial real estate 337 472 782 1,591 34,637 5,580,054 5,616,282 85 Consumer 6,536 — — 6,536 964 557,876 565,376 964 Total $ 14,508 $ 7,829 $ 4,265 $ 26,602 $ 111,165 $ 22,405,056 $ 22,542,823 $ 12,085 (1) As of December 31, 2024, $360,000 of non-accrual loans were earning interest income on a cash basis compared to $358,000 as of December 31, 2023. Additionally, $287,000 of interest income was recognized on non-accrual loans for the year ended December 31, 2024 compared to $37,000 for the same period in 2023. Accrued interest of $1.4 million and $3.0 million was reversed during the year ended December 31, 2024 and December 31, 2023, respectively.
Summary of loan modifications	The table below details gross loans held for investment as of December 31, 2024 and December 31, 2023 made to borrowers experiencing financial difficulty that were modified during the year ended December 31, 2024 and December 31, 2023, by type of modification granted and the financial effect of those modifications: Financial Statement Impact ($ in thousands) Payment Term Payment Interest Rate Total Percentage of Loans Held for Investment Interest Rate Reduction Term Extension (in months) Payment Deferrals Year Ended December 31, 2024 Commercial $ 36,853 $ 9,583 $ 9,273 $ — $ 55,709 0.25 % —% 6 to 13 $ 2,060 Commercial real estate 18,488 15,831 13,915 — 48,234 0.21 % —% 3 to 4 960 Total $ 55,341 $ 25,414 $ 23,188 $ — $ 103,943 0.46 % Year Ended December 31, 2023 Commercial $ 30,873 $ 733 $ 5,458 $ 6,064 $ 43,128 0.21 % 0.70% 4 to 36 $ 5,139 Commercial real estate — 21,364 — — 21,364 0.10 % —% 4 to 6 — Total $ 30,873 $ 22,097 $ 5,458 $ 6,064 $ 64,492 0.32 % The table below details gross loans held for investment as of December 31, 2024 and December 31, 2023 that experienced a default during the periods presented subsequent to being granted a modification in the prior twelve months. Default is defined as movement to nonperforming status, foreclosure or charge-off, whichever occurs first. (in thousands) Payment Term Interest Rate Total Year Ended December 31, 2024 Commercial $ 2,729 $ — $ — $ 2,729 Total $ 2,729 $ — $ — $ 2,729 Year Ended December 31, 2023 Commercial $ — $ 240 $ 6,064 $ 6,304 Commercial $ — $ 240 $ 6,064 $ 6,304 The table below provides an age analysis of gross loans held for investment as of December 31, 2024 made to borrowers experiencing financial difficulty that were modified in the prior twelve months, and as of December 31, 2023 for loans that were modified since January 1, 2023, the date of adoption of Accounting Standards Update 2022-02: (in thousands) 30-89 Days 90+ Days Non-Accrual Current Total December 31, 2024 Commercial $ 7,350 $ — $ 18,761 $ 29,598 $ 55,709 Commercial real estate — — 32,404 15,830 48,234 Total $ 7,350 $ — $ 51,165 $ 45,428 $ 103,943 December 31, 2023 Commercial $ 7,617 $ — $ 11,601 $ 23,910 $ 43,128 Commercial real estate 4,141 — — 17,223 21,364 Total $ 11,758 $ — $ 11,601 $ 41,133 $ 64,492

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Right-Of-Use Assets and Lease Liabilities	The following table presents ROU assets and lease liabilities: Year Ended December 31, (in thousands) 2024 2023 ROU assets: Finance leases $ 227 $ 1,529 Operating leases 166,194 87,810 Total $ 166,421 $ 89,339 Lease liabilities Finance leases $ 234 $ 1,550 Operating leases 224,973 109,523 Total $ 225,207 $ 111,073
Summary of lease cost and other information, operating leases	The table below summarizes the Company’s net lease cost: Year Ended December 31, (in thousands) 2024 2023 Finance lease cost: Amortization of ROU assets $ 1,303 $ 1,335 Interest on lease liabilities 19 40 Operating lease cost 21,593 14,854 Short-term lease cost 37 37 Variable lease cost 6,069 7,168 Net lease cost $ 29,021 $ 23,434 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from finance leases $ 19 $ 40 Operating cash flows from operating leases 46,920 17,203 Financing cash flows from finance leases 1,315 1,327 ROU assets obtained in exchange for new finance leases — — ROU assets obtained in exchange for new operating leases 123,344 18,741
Assets and Liabilities, Lessee	The table below summarizes other information related to operating and finance leases: Year Ended December 31, 2024 2023 Weighted-average remaining lease term - finance leases, in years 0.4 1.2 Weighted-average remaining lease term - operating leases, in years 13.5 12.2 Weighted-average discount rate - finance leases 2.97 % 1.85 % Weighted-average discount rate - operating leases 4.49 % 4.43 %
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining lease liabilities as of December 31, 2024: (in thousands) Finance Leases Operating Leases Total 2025 $ 236 $ 20,899 $ 21,135 2026 — 22,222 22,222 2027 — 22,023 22,023 2028 — 21,314 21,314 2029 — 20,610 20,610 2030 and thereafter — 201,184 201,184 Total lease payments 236 308,252 308,488 Less: Interest (2) (83,279) (83,281) Present value of lease liabilities $ 234 $ 224,973 $ 225,207

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Summary of premises and equipment	Premises and equipment are summarized as follows: December 31, (in thousands) 2024 2023 Premises $ 74,228 $ 39,547 Furniture and equipment 47,327 63,367 Total cost 121,555 102,914 Accumulated depreciation (36,112) (70,548) Total premises and equipment, net $ 85,443 $ 32,366

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Schedule of deposits	Deposits are summarized as follows: December 31, (in thousands) 2024 2023 Non-interest bearing deposits $ 7,485,428 $ 7,328,276 Interest bearing deposits: Transaction 2,787,913 2,264,055 Savings 12,712,510 11,000,783 Time 2,252,748 1,778,725 Total interest bearing deposits 17,753,171 15,043,563 Total deposits $ 25,238,599 $ 22,371,839
Schedule of maturities of interest-bearing time deposits	The scheduled maturities of interest bearing time deposits were as follows at December 31, 2024: (in thousands) 2025 $ 2,066,749 2026 185,749 2027 130 2028 36 2029 84 2030 and after — Total $ 2,252,748

Short-Term Borrowings and Lon_2

Short-Term Borrowings and Long-Term Debt (Tables)	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Summary of short-term borrowings	The table below presents a summary of the Company’s short-term borrowings, all of which mature within one year: (dollars in thousands) Federal Funds Purchased Customer Repurchase Agreements FHLB Borrowings December 31, 2024 Amount outstanding at year-end $ — $ — $ 885,000 Interest rate at year-end — % — % 4.38 % Average balance outstanding during the year $ 16 $ — $ 933,880 Weighted-average interest rate during the year 17.82 % — % 5.35 % Maximum month-end outstanding during the year $ — $ — $ 1,675,000 December 31, 2023 Amount outstanding at year-end $ — $ — $ 1,500,000 Interest rate at year-end — % — % 5.64 % Average balance outstanding during the year $ — $ 25 $ 1,323,014 Weighted-average interest rate during the year — % 0.39 % 5.34 % Maximum month-end outstanding during the year $ — $ — $ 2,100,000
Summary of short-term borrowing capacities	The following table summarizes the Company’s short-term borrowing capacities net of balances outstanding: (in thousands) December 31, 2024 December 31, 2023 FHLB borrowing capacity relating to loans and pledged securities $ 4,664,703 $ 2,602,092 FHLB borrowing capacity relating to unencumbered securities 4,189,993 3,737,615 Total FHLB borrowing capacity(1) $ 8,854,696 $ 6,339,707 Unused federal funds lines available from commercial banks $ 1,370,000 $ 1,188,000 Unused Federal Reserve borrowings capacity $ 5,436,652 $ 4,094,801 Unused revolving line of credit(2) $ 75,000 $ 100,000 (1) FHLB borrowings are collateralized by a blanket floating lien on certain real estate secured loans, mortgage finance loans and certain pledged securities. (2) Unsecured revolving, non-amortizing line of credit with maturity date of February 8, 2026. 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 the year ended December 31, 2024 or 2023.
Summary of long-term debt	The table below presents a summary of long-term debt: (in thousands) December 31, 2024 December 31, 2023 Bank-issued floating rate senior unsecured credit-linked notes due 2024 $ — $ 199,499 Bank-issued 5.25% fixed rate subordinated notes due 2026 174,717 174,457 Company-issued 4.00% fixed rate subordinated notes due 2031 372,223 371,785 Trust preferred floating rate subordinated debentures due 2032 to 2036 113,406 113,406 Total long-term debt $ 660,346 $ 859,147
Summary of significant terms of preferred subordinated debentures	The following table summarizes the significant terms of the Company’s trust preferred subordinated debentures: (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 SOFR + 3.61% 3 month SOFR + 3.51% 3 month SOFR + 1.77% 3 month SOFR + 1.86% 3 month SOFR + 1.97% Maturity date November 2032 April 2033 December 2035 June 2036 December 2036

Financial Instruments with Of_2

Financial Instruments with Off-Balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2024
Risks and Uncertainties [Abstract]
Schedule of financial instruments with off-balance sheet risk	The table below presents the Company’s 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. (in thousands) Commercial Mortgage Commercial Consumer Total Year Ended December 31, 2024 Beginning balance $ 36,040 $ 6 $ 10,147 $ 169 $ 46,362 Provision for off-balance sheet credit losses 11,867 17 (4,796) (118) 6,970 Ending balance $ 47,907 $ 23 $ 5,351 $ 51 $ 53,332 Year Ended December 31, 2023 Beginning balance $ 16,550 $ — $ 5,222 $ 21 $ 21,793 Provision for off-balance sheet credit losses 19,490 6 4,925 148 24,569 Ending balance $ 36,040 $ 6 $ 10,147 $ 169 $ 46,362 (in thousands) December 31, 2024 December 31, 2023 Commitments to extend credit - period end balance $ 9,694,406 $ 9,749,085 Standby letters of credit - period end balance 538,047 595,079

Regulatory Ratios and Capital (

Regulatory Ratios and Capital (Tables)	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of compliance with Regulatory Capital Requirements	The table below summarizes the Company’s and the Bank’s actual and required capital ratios under the Basel III Capital Rules and other standards. 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, 2024 and December 31, 2023. December 31, 2024 December 31, 2023 (dollars in thousands) Minimum Capital Required(2) Capital Required to be Well Capitalized Capital Amount Ratio Capital Amount Ratio The Company CET1 capital (to risk-weighted assets) 7.00 % N/A $ 3,251,979 11.38 % $ 3,264,609 12.65 % Tier 1 capital (to risk-weighted assets) 8.50 % 6.00 % 3,661,979 12.82 % 3,674,609 14.24 % Total capital (to risk-weighted assets) 10.50 % 10.00 % 4,390,656 15.37 % 4,405,575 17.07 % Tier 1 capital (to average assets)(1) 4.00 % N/A 3,661,979 11.33 % 3,674,609 12.21 % The Bank CET1 capital (to risk-weighted assets) 7.00 % 6.50 % $ 3,611,714 12.75 % $ 3,599,919 14.01 % Tier 1 capital (to risk-weighted assets) 8.50 % 8.00 % 3,611,714 12.75 % 3,599,919 14.01 % Total capital (to risk-weighted assets) 10.50 % 10.00 % 3,968,168 14.00 % 3,959,100 15.41 % Tier 1 capital (to average assets)(1) 4.00 % 5.00 % 3,611,714 11.27 % 3,599,919 12.00 % (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 (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2024
Compensation Related Costs [Abstract]
Schedule of Share-based Compensation, Stock Appreciation Rights Award Activity	A summary of the Company’s 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, 2024 December 31, 2023 December 31, 2022 SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price SARs Weighted Average Exercise Price Outstanding at beginning of year — $ — — $ — 3,000 $ 44.20 Exercised — — — — (3,000) 44.20 Outstanding at year-end — $ — — $ — — $ — Vested and exercisable at year-end — $ — — $ — — $ — Weighted average remaining contractual life of vested (in years) 0.00 0.00 0.00 Weighted average remaining contractual life of outstanding (in years) 0.00 0.00 0.00 Compensation expense $ — $ — $ — Unrecognized compensation expense $ — $ — $ — Intrinsic value of exercised $ — $ — $ 64,000
Schedule of Share-based Compensation, Restricted Stock Units Award Activity	A summary of the Company’s stock-settled RSU activity and related information is as follows. Grants of stock-settled RSUs include time-based vesting conditions that generally vest ratably over a period of three years. Additionally, from time to time, grants of stock-settled RSUs with both time-based and performance-based vesting conditions are made that generally vest at the end of a three year period. December 31, 2024 December 31, 2023 December 31, 2022 RSUs Weighted RSUs Weighted RSUs Weighted Outstanding at beginning of year 1,081,679 $ 66.91 1,155,652 $ 61.12 1,206,862 $ 56.06 Granted 421,642 63.98 405,434 68.63 453,323 68.15 Vested (528,208) 63.56 (355,046) 50.79 (308,771) 54.51 Forfeited (120,462) 67.14 (124,361) 66.98 (195,762) 58.42 Outstanding at year-end 854,651 $ 67.48 1,081,679 $ 66.91 1,155,652 $ 61.12 Compensation expense $ 20,212,000 $ 24,200,000 $ 21,246,000 Unrecognized compensation expense $ 24,014,000 $ 28,585,000 $ 32,148,000 Weighted average years over which unrecognized compensation expense is expected to be recognized 1.76 1.89 2.31 Fair value of shares vested during the year $ 33,572,000 $ 18,117,000 $ 16,835,000 Intrinsic value of shares vested during the year $ 32,049,000 $ 20,125,000 $ 18,640,000 A summary of the Company’s cash-settled RSU activity and related information is as follows. Grants of stock-settled RSUs include time-based vesting conditions that generally vest ratably over a period of three years. 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. December 31, 2024 December 31, 2023 December 31, 2022 RSUs outstanding at beginning of year — — 13,131 Granted 226,864 — — Vested (55) — (12,655) Forfeited (31,998) — (476) RSUs outstanding at year-end 194,811 — — Compensation expense $ 4,481,000 $ — $ 186,000 Weighted average years over which unrecognized compensation expense is expected to be recognized 2.19 0.00 0.00
Schedule of Share-Based Payment Award, Valuation Assumptions	The value of performance awards that include a market condition is estimated on the date of grant using a Monte Carlo simulation model with the following weighted average assumptions: December 31, 2024 December 31, 2023 December 31, 2022 Risk-free interest rate 4.41 % 4.14 % 1.56 % Expected stock price volatility 38.3 % 50.2 % 57.1 % Simulation period 2.87 years 2.89 years 2.89 years

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Schedule of income tax expense/(benefit)	Income tax expense/(benefit) consists of the following: Year ended December 31, (in thousands) 2024 2023 2022 Current: Federal $ 37,878 $ 69,350 $ 109,370 State 7,761 5,888 7,302 Total 45,639 75,238 116,672 Deferred: Federal (14,960) (16,540) (16,178) State (1,126) (1,244) (1,217) Total (16,086) (17,784) (17,395) Total expense: Federal 22,918 52,810 93,192 State 6,635 4,644 6,085 Total $ 29,553 $ 57,454 $ 99,277
Reconciliation of income attributable to continuing operations	The reconciliation of income tax at the U.S. federal statutory tax rate to income tax expense and effective tax rate is as follows: Year ended December 31, 2024 2023 2022 (dollars in thousands) Amount Rate Amount Rate Amount Rate U.S. statutory rate $ 22,483 21 % $ 51,785 21 % $ 90,669 21 % State taxes 2,539 2 % 2,938 1 % 6,822 2 % Tax-exempt income (1,471) (1) % (350) — % (1,061) — % Tax credits (1,833) (2) % (855) — % (128) — % Disallowed FDIC 2,257 2 % 1,863 1 % 1,491 — % Disallowed compensation 2,022 2 % 1,176 — % 2,771 1 % Uncertain tax positions recognized 2,688 3 % 155 — % 167 — % Other 868 1 % 742 — % (1,454) (1) % Total $ 29,553 28 % $ 57,454 23 % $ 99,277 23 %
Schedule of deferred tax assets and liabilities	The table below summarizes significant components of deferred tax assets and liabilities utilizing the applicable federal and state corporate income tax rates. Management believes it is more likely than not that all of the deferred tax assets will be realized. December 31, (in thousands) 2024 2023 Deferred tax assets: Allowance for credit losses $ 73,394 $ 66,913 Lease liabilities 50,852 25,080 Loan origination fees, net 14,765 13,377 Stock compensation 6,518 6,216 Non-accrual interest 2,707 1,672 Deferred compensation 5,336 4,672 Net unrealized losses in AOCI 53,404 96,229 Other 6,108 6,069 Total deferred tax assets 213,084 220,228 Deferred tax liabilities: Lease financing transactions (15,262) (9,741) Lease ROU assets (37,527) (21,225) Depreciation (1,513) (3,473) Other (460) (728) Total deferred tax liabilities (54,762) (35,167) Net deferred tax asset $ 158,322 $ 185,061

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024 Available-for-sale debt securities:(1) U.S. Treasury securities $ 277,285 $ — $ — Residential mortgage-backed securities — 3,034,043 — Commercial mortgage-backed securities — 201,432 — CRT securities — — 11,926 Equity securities(1)(2) 59,235 16,026 — Loans held for investment(4) — — 35,318 Derivative assets(5) — 23,202 — Securities sold not yet purchased(6) 33,705 — — Derivative liabilities(5) — 57,906 — Non-qualified deferred compensation plan liabilities(7) 19,109 — — December 31, 2023 Available-for-sale debt securities:(1) U.S. Treasury securities $ 636,473 $ — $ — U.S. government agency securities — 106,592 — Residential mortgage-backed securities — 2,470,832 — CRT securities — — 11,995 Equity securities(1)(2) 40,661 11,164 — Mortgage loans held for sale(3) — 706 — Loans held for investment(4) — — 38,341 Derivative assets(5) — 32,944 — Securities sold not yet purchased(6) 10,602 — — Derivative liabilities(5) — 70,917 — Non-qualified deferred compensation plan liabilities(7) 20,387 — — (1) Available-for-sale debt securities and equity securities are measured at fair value on a recurring basis, generally monthly. (2) Equity securities consist of investments that qualify for consideration under the regulations implementing the Community Reinvestment Act and investments in exchange traded funds. (3) Loans held for sale 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) Securities sold not yet purchased are measured at fair value on a recurring basis, generally monthly. (7) 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 Gains/(Losses) (in thousands) Balance at Beginning of Period Purchases / Additions Sales / Reductions Realized Unrealized Balance at End of Period Year Ended December 31, 2024 Available-for-sale debt securities:(1) CRT securities $ 11,995 $ — $ (1,170) $ — $ 1,101 $ 11,926 Year Ended December 31, 2023 Available-for-sale debt securities:(1) CRT securities $ 11,861 $ — $ (1,077) $ — $ 1,211 $ 11,995 (1) Unrealized gains/(losses) on available-for-sale debt securities are recorded in AOCI other non-interest income
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: Carrying Estimated Fair Value (in thousands) Total Level 1 Level 2 Level 3 December 31, 2024 Financial assets: Cash and cash equivalents $ 3,188,808 $ 3,188,808 $ 3,188,808 $ — $ — Available-for-sale debt securities 3,524,686 3,524,686 277,285 3,235,475 11,926 Held-to-maturity debt securities 796,168 678,174 — 678,174 — Equity securities 75,261 75,261 59,235 16,026 — Loans held for investment, net 22,178,357 22,115,585 — — 22,115,585 Derivative assets 23,202 23,202 — 23,202 — Financial liabilities: Total deposits 25,238,599 25,245,009 — — 25,245,009 Short-term borrowings 885,000 885,000 — 885,000 — Long-term debt 660,346 622,713 — 622,713 — Securities sold not yet purchased 33,705 33,705 33,705 — — Derivative liabilities 57,906 57,906 — 57,906 — December 31, 2023 Financial assets: Cash and cash equivalents $ 3,242,850 $ 3,242,850 $ 3,242,850 $ — $ — Available-for-sale debt securities 3,225,892 3,225,892 636,473 2,577,424 11,995 Held-to-maturity debt securities 865,477 763,844 — 763,844 — Equity securities 51,825 51,825 40,661 11,164 — Loans held for sale 44,105 44,105 15,000 29,105 — Loans held for investment, net 20,090,585 20,050,974 — — 20,050,974 Derivative assets 32,944 32,944 — 32,944 — Financial liabilities: Total deposits 22,371,839 22,379,452 — — 22,379,452 Short-term borrowings 1,500,000 1,500,000 — 1,500,000 — Long-term debt 859,147 801,309 — 801,309 — Securities sold not yet purchased 10,602 10,602 10,602 — — Derivative liabilities 70,917 70,917 — 70,917 —

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	The notional amounts and estimated fair values of derivative positions outstanding are presented in the following table. December 31, 2024 December 31, 2023 Estimated Fair Value Estimated Fair Value (in thousands) Notional Asset Derivative Liability Derivative Notional Asset Derivative Liability Derivative Derivatives designated as hedges Cash flow hedges: Interest rate contracts: Swaps hedging loans $ 2,600,000 $ 254 $ 23,265 $ 2,850,000 $ 668 $ 57,961 Non-hedging derivatives Customer-initiated and other derivatives: Foreign currency forward contracts 485,948 5,462 5,299 4,824 52 31 Interest rate contracts: Swaps 6,273,301 45,771 45,771 5,673,822 65,247 69,863 Caps and floors written 970,451 1,066 2,529 637,971 1,654 2,228 Caps and floors purchased 970,451 2,529 1,066 637,971 2,228 1,654 Forward contracts 20,237,917 41,896 41,035 8,665,675 39,123 38,570 Gross derivatives 96,978 118,965 108,972 170,307 Netting adjustment - offsetting derivative assets/liabilities (44,097) (44,097) (37,346) (37,346) Netting adjustment - cash collateral received/posted (29,679) (16,962) (38,682) (62,044) Net derivatives included on the consolidated balance sheets $ 23,202 $ 57,906 $ 32,944 $ 70,917

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The following table provides the change in AOCI by component: (in thousands) Cash Flow Hedges Available-for-Sale Securities Held-to-Maturity Securities Total Year Ended December 31, 2024 Beginning balance $ (45,749) $ (273,806) $ (42,449) $ (362,004) Change in unrealized gain/(loss) (28,672) (2,883) — (31,555) Amounts reclassified into net income 66,852 179,581 6,844 253,277 Total other comprehensive income/(loss) 38,180 176,698 6,844 221,722 Income tax expense/(benefit) 7,706 34,423 696 42,825 Total other comprehensive income/(loss), net of tax 30,474 142,275 6,148 178,897 Ending balance $ (15,275) $ (131,531) $ (36,301) $ (183,107) Year Ended December 31, 2023 Beginning balance $ (66,394) $ (304,309) $ (48,240) $ (418,943) Change in unrealized gain/(loss) (34,778) 39,101 — 4,323 Amounts reclassified into net income 60,911 (489) 7,330 67,752 Total other comprehensive income/(loss) 26,133 38,612 7,330 72,075 Income tax expense/(benefit) 5,488 8,109 1,539 15,136 Total other comprehensive income/(loss), net of tax 20,645 30,503 5,791 56,939 Ending balance $ (45,749) $ (273,806) $ (42,449) $ (362,004)

Parent Company Only (Tables)

Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Balance Sheet	Summarized financial information for Texas Capital Bancshares, Inc. are as follows: Balance Sheet December 31, (in thousands) 2024 2023 Assets Cash and cash equivalents $ 205,377 $ 301,672 Investment securities 38,683 18,845 Investment in subsidiaries 3,604,699 3,306,095 Other assets 29,389 55,949 Total assets $ 3,878,148 $ 3,682,561 Liabilities and Stockholders’ Equity Liabilities: Other liabilities $ 50,050 $ 23,695 Long-term debt 485,629 485,191 Total liabilities 535,679 508,886 Stockholders’ Equity: Preferred stock 300,000 300,000 Common stock 515 511 Additional paid-in capital 1,056,719 1,045,576 Retained earnings 2,470,184 2,409,926 Treasury stock (301,842) (220,334) Accumulated other comprehensive income/(loss) (183,107) (362,004) Total stockholders’ equity 3,342,469 3,173,675 Total liabilities and stockholders’ equity $ 3,878,148 $ 3,682,561
Statement of Earnings	Statement of Income Year ended December 31, (in thousands) 2024 2023 2022 Interest on notes receivable $ 2 $ 2,167 $ 3,250 Dividend income 685 7,671 10,529 Other income 148 (94) 9 Total income 835 9,744 13,788 Interest expense 23,925 23,714 19,721 Salaries and benefits 922 835 782 Legal and professional 2,005 1,504 1,583 Other non-interest expense 2,072 1,823 1,636 Total expense 28,924 27,876 23,722 Loss before income taxes and equity in undistributed income of subsidiary (28,089) (18,132) (9,934) Income tax benefit (8,102) (4,537) (2,282) Loss before equity in undistributed income of subsidiary (19,987) (13,595) (7,652) Equity in undistributed income of subsidiary 97,495 201,189 337,946 Net income 77,508 187,594 330,294 Preferred stock dividends 17,250 17,250 17,250 Net income available to common stockholders $ 60,258 $ 170,344 $ 313,044
Statement of Cash Flows	Statements of Cash Flows Year ended December 31, (in thousands) 2024 2023 2022 Operating Activities Net income $ 77,508 $ 187,594 $ 330,294 Adjustments to reconcile net income to net cash provided by/(used in) operating activities: Equity in undistributed income of subsidiary (97,495) (201,189) (337,946) Depreciation and amortization 438 437 438 Net (gain)/loss recognized on equity securities (4,395) (508) — Changes in operating assets and liabilities: Accrued interest receivable and other assets 26,560 37,446 (2,095) Accrued interest payable and other liabilities 26,355 16,941 3,086 Net cash provided by/(used in) operating activities 28,971 40,721 (6,223) Investing Activities Sales/(purchases) of equity securities, net (15,443) (18,337) — Repayments of investments in/(advances to) subsidiaries (2,000) 160,000 (50,000) Net cash provided by/(used in) investing activities (17,443) 141,663 (50,000) Financing Activities Issuance of stock related to stock-based awards (9,065) (4,215) (4,209) Preferred stock dividends paid (17,250) (17,250) (17,250) Repurchase of common stock (81,508) (105,024) (115,302) Net cash used in financing activities (107,823) (126,489) (136,761) Net increase/(decrease) in cash and cash equivalents (96,295) 55,895 (192,984) Cash and cash equivalents at beginning of year 301,672 245,777 438,761 Cash and cash equivalents at end of year $ 205,377 $ 301,672 $ 245,777

Operations and Summary of Sig_3

Operations and Summary of Significant Accounting Policies - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Line Items]
Goodwill	$ 1,500	$ 1,500
Amortization expense related to intangible assets	$ 0	$ 338
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	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Numerator:
Net income	$ 77,508	$ 189,141	$ 332,478
Preferred stock dividends	17,250	17,250	17,250
Net income available to common stockholders	$ 60,258	$ 171,891	$ 315,228
Denominator:
Basic earnings per common share—weighted average common shares	46,559,668	48,054,935	50,457,746
Effect of employee stock-based awards	429,536	555,271	588,996
Dilutive earnings per common share—weighted average diluted common shares	46,989,204	48,610,206	51,046,742
Basic earnings/(loss) per common share (in usd per share)	$ 1.29	$ 3.58	$ 6.25
Diluted earnings/(loss) per common share (in usd per share)	$ 1.28	$ 3.54	$ 6.18
Anti-dilutive outstanding stock-settled awards	0	97,368	311,226

Investment Securities - Summary

Investment Securities - Summary of Available-for-Sale Debt Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Available-for-sale debt securities:
Amortized Cost	$ 3,694,578	$ 3,572,482
Gross Unrealized Gains	7,200	540
Gross Unrealized Losses	(177,092)	(347,130)
Estimated Fair Value	3,524,686	3,225,892
Held-to-maturity debt securities:
Held-to-maturity debt securities	796,168	865,477
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(117,994)	(101,633)
Estimated Fair Value	678,174	763,844
Equity securities at fair value	75,261	51,825
Total investment securities	4,396,115	4,143,194
Interest receivable	107,300	118,100
Available-for-sale
Available-for-sale debt securities:
Amortized Cost	3,694,578
Estimated Fair Value	3,524,686
Held-to-maturity debt securities:
Interest receivable	13,800	9,500
Held-to-maturity
Held-to-maturity debt securities:
Estimated Fair Value	678,174
Interest receivable	1,300	1,400
U.S. Treasury securities
Available-for-sale debt securities:
Amortized Cost	280,137	651,112
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2,852)	(14,639)
Estimated Fair Value	277,285	636,473
U.S. government agency securities
Available-for-sale debt securities:
Amortized Cost		125,000
Gross Unrealized Gains		0
Gross Unrealized Losses		(18,408)
Estimated Fair Value		106,592
Residential mortgage-backed securities
Available-for-sale debt securities:
Amortized Cost	3,195,145	2,782,734
Gross Unrealized Gains	7,200	540
Gross Unrealized Losses	(168,302)	(312,442)
Estimated Fair Value	3,034,043	2,470,832
Held-to-maturity debt securities:
Held-to-maturity debt securities	796,168	865,477
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(117,994)	(101,633)
Estimated Fair Value	678,174	763,844
Commercial mortgage-backed securities
Available-for-sale debt securities:
Amortized Cost	206,830
Gross Unrealized Gains	0
Gross Unrealized Losses	(5,398)
Estimated Fair Value	201,432
CRT securities
Available-for-sale debt securities:
Amortized Cost	12,466	13,636
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(540)	(1,641)
Estimated Fair Value	$ 11,926	$ 11,995

Investment Securities - Narrati

Investment Securities - Narrative (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2024 USD ($) security	Jun. 30, 2023 USD ($)	Dec. 31, 2024 USD ($) security	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Debt Securities, Available-for-sale [Line Items]
Payments to acquire AFS securities, debt			$ 1,999,073	$ 849,391	$ 920,217
Number of securities in an unrealized loss position | security	60		60
Expected loss on held-to-maturity securities			$ 0
Allowance for credit losses on available-for-sale debt securities	$ 0		0	0
Allowance for credit losses on held-to-maturity debt securities	$ 0		$ 0	0
Collateralized Mortgage-Backed Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Number of securities in an unrealized loss position | security	46		46
U.S. Treasury securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in an unrealized loss position | security	6		6
CRT securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in an unrealized loss position | security	2		2
Deposits
Debt Securities, Available-for-sale [Line Items]
Available-for-sale debt securities pledged to secure certain customer repurchase agreements and deposits	$ 940		$ 940	$ 1,600
Available-for-sale
Debt Securities, Available-for-sale [Line Items]
Available for Sale, debt securities, amortized cost basis, sold amount	1,200,000	$ 56,400	$ 1,200,000
Realized gain	179,600	$ 489
Available-for-sale | Collateralized Mortgage-Backed Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Payments to acquire AFS securities, debt	$ 1,100,000

Investment Securities - Schedul

Investment Securities - Schedule of Amortized Cost and Estimated Fair Value of Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Amortized Cost
Amortized Cost	$ 3,694,578	$ 3,572,482
Fair Value
Fair Value	3,524,686	3,225,892
Fair Value
Fair Value	678,174	$ 763,844
Available-for-sale
Amortized Cost
Due within one year	184,536
Due after one year through five years	95,601
Due after five years through ten years	197,043
Due after ten years	3,217,398
Amortized Cost	3,694,578
Fair Value
Due within one year	182,862
Due after one year through five years	94,423
Due after five years through ten years	191,957
Due after ten years	3,055,444
Fair Value	3,524,686
Held-to-maturity
Amortized Cost
Due within one year	0
Due after one year through five years	0
Due after five years through ten years	0
Due after ten years	796,168
Amortized Cost	796,168
Fair Value
Due within one year	0
Due after one year through five years	0
Due after five years through ten years	0
Due after ten years	678,174
Fair Value	$ 678,174

Investment Securities - Weighte

Investment Securities - Weighted Average Yields for Available-for-Sale Debt Securities (Details)	Dec. 31, 2024
U.S. Treasury securities
Debt Securities, Available-for-sale [Line Items]
Due within one year	3.14%
Due after one year through five years	3.12%
Due after five years through ten years	0%
Due after ten years	0%
Total	3.13%
Residential mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Due within one year	0%
Due after one year through five years	0%
Due after five years through ten years	3.86%
Due after ten years	4.55%
Total	4.55%
Commercial mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Due within one year	0%
Due after one year through five years	0%
Due after five years through ten years	4.68%
Due after ten years	4.35%
Total	4.64%
CRT securities
Debt Securities, Available-for-sale [Line Items]
Due within one year	0%
Due after one year through five years	0%
Due after five years through ten years	4.47%
Due after ten years	0%
Total	4.47%

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, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Less Than 12 Months, Fair Value	$ 1,540,233	$ 910,999
Less Than 12 Months, Unrealized Loss	(23,539)	(19,751)
12 Months or Longer, Fair Value	1,612,391	2,256,400
12 Months or Longer, Unrealized Loss	(153,553)	(327,379)
Total, Fair Value	3,152,624	3,167,399
Total, Unrealized Loss	(177,092)	(347,130)
U.S. Treasury 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	277,285	636,473
12 Months or Longer, Unrealized Loss	(2,852)	(14,639)
Total, Fair Value	277,285	636,473
Total, Unrealized Loss	(2,852)	(14,639)
U.S. government agency 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	0	106,592
12 Months or Longer, Unrealized Loss	0	(18,408)
Total, Fair Value	0	106,592
Total, Unrealized Loss	0	(18,408)
Residential mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Less Than 12 Months, Fair Value	1,338,801	910,999
Less Than 12 Months, Unrealized Loss	(18,141)	(19,751)
12 Months or Longer, Fair Value	1,323,180	1,501,340
12 Months or Longer, Unrealized Loss	(150,161)	(292,691)
Total, Fair Value	2,661,981	2,412,339
Total, Unrealized Loss	(168,302)	(312,442)
Commercial mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Less Than 12 Months, Fair Value	201,432
Less Than 12 Months, Unrealized Loss	(5,398)
12 Months or Longer, Fair Value	0
12 Months or Longer, Unrealized Loss	0
Total, Fair Value	201,432
Total, Unrealized Loss	(5,398)
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	11,926	11,995
12 Months or Longer, Unrealized Loss	(540)	(1,641)
Total, Fair Value	11,926	11,995
Total, Unrealized Loss	$ (540)	$ (1,641)

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, 2024	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Net gains/(losses) recognized during the period	$ 6,619	$ 3,571
Less: Realized net gains/(losses) recognized on securities sold	(1,032)	393
Unrealized net gains/(losses) recognized on securities still held	$ 5,587	$ 3,964

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses on Loans - Loans Held for Investment by Portfolio Segment (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 22,542,823,000	$ 20,420,816,000
Unearned income (net of direct origination costs)	(92,757,000)	(80,258,000)
Total loans held for investment	22,450,066,000	20,340,558,000
Allowance for credit losses on loans	(271,709,000)	(249,973,000)	$ (253,469,000)
Loans held for investment, net	22,178,357,000	20,090,585,000
Loans held for sale	0	44,105,000
Interest receivable	107,300,000	118,100,000
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	11,145,591,000	10,410,766,000
Allowance for credit losses on loans	(198,423,000)	(171,437,000)	(185,303,000)
Loans held for sale	0	43,399,000
Mortgage finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	5,215,574,000	3,978,328,000
Allowance for credit losses on loans	(2,755,000)	(4,173,000)	(10,745,000)
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	5,616,282,000	5,500,774,000
Allowance for credit losses on loans	(68,825,000)	(71,829,000)	(54,268,000)
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	565,376,000	530,948,000
Allowance for credit losses on loans	(1,706,000)	(2,534,000)	$ (3,153,000)
Mortgage Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for sale	$ 0	$ 706,000

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses on Loans - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Provision for credit losses on loans		$ 60,030	$ 47,431
Net charge-offs (recoveries)		40,873	50,927
Loan balance		22,542,823	20,420,816
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, purchase	$ 332,000
Provision for credit losses on loans		57,019	31,529
Net charge-offs (recoveries)		32,612	45,395
Loan balance		11,145,591	10,410,766
Commercial | Asset Pledged as Collateral
Financing Receivable, Allowance for Credit Losses [Line Items]
Loan balance		28,000
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Provision for credit losses on loans		5,242	23,057
Net charge-offs (recoveries)		8,246	5,496
Loan balance		5,616,282	5,500,774
Commercial real estate | Asset Pledged as Collateral
Financing Receivable, Allowance for Credit Losses [Line Items]
Loan balance		34,600
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Provision for credit losses on loans		(813)	(583)
Net charge-offs (recoveries)		15	36
Loan balance		565,376	530,948
Consumer | Asset Pledged as Collateral
Financing Receivable, Allowance for Credit Losses [Line Items]
Loan balance		1,000
Criticized
Financing Receivable, Allowance for Credit Losses [Line Items]
Loan balance		$ 714,000	$ 738,200

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses on Loans - Summary of PCD Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)
Receivables [Abstract]
Par value (unpaid principal balance)	$ 20,139
Allowance for credit losses on loans at acquisition	(2,579)
Non-credit premium	2,448
Purchase price	$ 20,008

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses on Loans - Loans by Investment Grade (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	$ 2,305,541	$ 2,183,954
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	2,161,134	3,497,551
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	3,438,876	1,490,895
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	1,314,739	657,182
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	334,555	524,006
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	1,055,959	893,218
Revolving lines of credit	11,901,022	11,129,125
Revolving lines of credit converted to term loans	30,997	44,885
Total	22,542,823	20,420,816
Financing receivable, excluding accrued interest, year one, originated, current fiscal year, writeoff	994	8,364
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year, writeoff	7,543	5,090
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year, writeoff	550	25,578
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year, writeoff	4,037	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year, writeoff	537	15,243
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year, writeoff	8,784	883
Revolving lines of credit, writeoff	23,566	698
Revolving line of credit converted to term loans, writeoff	44	871
Financing receivable, excluding accrued interest, allowance for credit loss, writeoff	46,055	56,727
Commercial
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	1,636,271	1,590,277
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	1,238,889	1,612,768
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	1,450,224	324,559
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	337,071	165,616
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	77,512	158,204
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	203,360	179,111
Revolving lines of credit	6,190,224	6,363,562
Revolving lines of credit converted to term loans	12,040	16,669
Total	11,145,591	10,410,766
Financing receivable, excluding accrued interest, allowance for credit loss, writeoff	37,761	51,186
Commercial | Pass
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	1,612,695	1,546,257
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	1,156,414	1,408,672
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	1,256,539	279,266
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	307,590	144,699
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	76,821	142,301
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	169,974	157,808
Revolving lines of credit	6,027,177	6,284,464
Revolving lines of credit converted to term loans	12,040	16,580
Total	10,619,250	9,980,047
Commercial | Special mention
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	22,953	22,148
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	28,354	118,991
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	134,092	35,619
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	21,626	285
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	30	823
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	6,369	13,385
Revolving lines of credit	91,423	40,647
Revolving lines of credit converted to term loans	0	89
Total	304,847	231,987
Commercial | Substandard - accruing
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	623	12,477
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	44,901	50,876
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	51,536	9,334
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	7,855	18,547
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	301	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	3,309	78
Revolving lines of credit	37,405	38,372
Revolving lines of credit converted to term loans	0	0
Total	145,930	129,684
Commercial | Non-accrual
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	9,395
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	9,220	34,229
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	8,057	340
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	2,085
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	360	15,080
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	23,708	7,840
Revolving lines of credit	34,219	79
Revolving lines of credit converted to term loans	0	0
Total	75,564	69,048
Mortgage finance
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	0	0
Revolving lines of credit	5,215,574	3,978,328
Revolving lines of credit converted to term loans	0	0
Total	5,215,574	3,978,328
Financing receivable, excluding accrued interest, allowance for credit loss, writeoff	0	0
Mortgage finance | Pass
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	0	0
Revolving lines of credit	5,215,574	3,978,328
Revolving lines of credit converted to term loans	0	0
Total	5,215,574	3,978,328
Mortgage finance | Special mention
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	0	0
Revolving lines of credit	0	0
Revolving lines of credit converted to term loans	0	0
Total	0	0
Mortgage finance | Substandard - accruing
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	0	0
Revolving lines of credit	0	0
Revolving lines of credit converted to term loans	0	0
Total	0	0
Mortgage finance | Non-accrual
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	0	0
Revolving lines of credit	0	0
Revolving lines of credit converted to term loans	0	0
Total	0	0
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	624,918	561,801
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	893,956	1,828,358
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	1,934,504	1,088,240
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	901,744	444,143
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	216,376	351,661
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	752,164	610,432
Revolving lines of credit	273,663	587,964
Revolving lines of credit converted to term loans	18,957	28,175
Total	5,616,282	5,500,774
Financing receivable, excluding accrued interest, allowance for credit loss, writeoff	8,264	5,500
Commercial real estate | Pass
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	599,301	561,801
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	889,603	1,689,325
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	1,843,706	1,042,953
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	885,913	419,703
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	216,077	317,480
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	704,288	559,026
Revolving lines of credit	273,663	575,928
Revolving lines of credit converted to term loans	18,085	28,175
Total	5,430,636	5,194,391
Commercial real estate | Special mention
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	25,532	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	4,353	136,801
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	70,161	32,937
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	15,831	24,440
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	299	34,181
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	13,731	22,833
Revolving lines of credit	0	7,895
Revolving lines of credit converted to term loans	872	0
Total	130,779	259,087
Commercial real estate | Substandard - accruing
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	2,232
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	20,230	28,573
Revolving lines of credit	0	4,141
Revolving lines of credit converted to term loans	0	0
Total	20,230	34,946
Commercial real estate | Non-accrual
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	85	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	20,637	12,350
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	13,915	0
Revolving lines of credit	0	0
Revolving lines of credit converted to term loans	0	0
Total	34,637	12,350
Consumer
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	44,352	31,876
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	28,289	56,425
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	54,148	78,096
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	75,924	47,423
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	40,667	14,141
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	100,435	103,675
Revolving lines of credit	221,561	199,271
Revolving lines of credit converted to term loans	0	41
Total	565,376	530,948
Financing receivable, excluding accrued interest, allowance for credit loss, writeoff	30	41
Consumer | Pass
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	44,352	31,876
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	28,289	56,425
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	54,148	78,096
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	75,924	47,423
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	40,667	14,141
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	99,471	102,691
Revolving lines of credit	220,561	199,171
Revolving lines of credit converted to term loans	0	0
Total	563,412	529,823
Consumer | Special mention
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	0	0
Revolving lines of credit	0	100
Revolving lines of credit converted to term loans	0	41
Total	0	141
Consumer | Substandard - accruing
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	0	984
Revolving lines of credit	1,000	0
Revolving lines of credit converted to term loans	0	0
Total	1,000	984
Consumer | Non-accrual
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Financing receivable, excluding accrued interest, originated, more than five years before current fiscal year	964	0
Revolving lines of credit	0	0
Revolving lines of credit converted to term loans	0	0
Total	$ 964	$ 0

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses on Loans - Allowance Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 249,973	$ 253,469
Allowance established for acquired PCD loans	2,579
Provision for credit losses on loans	60,030	47,431
Charge-offs	46,055	56,727
Recoveries	5,182	5,800
Net charge-offs (recoveries)	40,873	50,927
Ending balance	271,709	249,973
Commercial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	171,437	185,303
Allowance established for acquired PCD loans	2,579
Provision for credit losses on loans	57,019	31,529
Charge-offs	37,761	51,186
Recoveries	5,149	5,791
Net charge-offs (recoveries)	32,612	45,395
Ending balance	198,423	171,437
Mortgage finance
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	4,173	10,745
Allowance established for acquired PCD loans	0
Provision for credit losses on loans	(1,418)	(6,572)
Charge-offs	0	0
Recoveries	0	0
Net charge-offs (recoveries)	0	0
Ending balance	2,755	4,173
Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	71,829	54,268
Allowance established for acquired PCD loans	0
Provision for credit losses on loans	5,242	23,057
Charge-offs	8,264	5,500
Recoveries	18	4
Net charge-offs (recoveries)	8,246	5,496
Ending balance	68,825	71,829
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	2,534	3,153
Allowance established for acquired PCD loans	0
Provision for credit losses on loans	(813)	(583)
Charge-offs	30	41
Recoveries	15	5
Net charge-offs (recoveries)	15	36
Ending balance	$ 1,706	$ 2,534

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses on Loans - Age Analysis (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 22,542,823,000	$ 20,420,816,000
Non-accrual	111,165,000
Non-accrual With No Allowance	12,085,000
Non-accrual loans earning interest income on cash basis	360,000	358,000
Interest income on non-accrual loans	287,000	37,000
Interest Income Reversed	1,400,000	3,000,000
Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	11,145,591,000	10,410,766,000
Non-accrual	75,564,000
Non-accrual With No Allowance	11,036,000
Mortgage finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	5,215,574,000	3,978,328,000
Non-accrual	0
Non-accrual With No Allowance	0
Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	5,616,282,000	5,500,774,000
Non-accrual	34,637,000
Non-accrual With No Allowance	85,000
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	565,376,000	$ 530,948,000
Non-accrual	964,000
Non-accrual With No Allowance	964,000
30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	14,508,000
30-59 Days Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	7,635,000
30-59 Days Past Due | Mortgage finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0
30-59 Days Past Due | Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	337,000
30-59 Days Past Due | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	6,536,000
60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	7,829,000
60-89 Days Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	7,357,000
60-89 Days Past Due | Mortgage finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0
60-89 Days Past Due | Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	472,000
60-89 Days Past Due | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0
90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	4,265,000
90 Days or More Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	3,483,000
90 Days or More Past Due | Mortgage finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0
90 Days or More Past Due | Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	782,000
90 Days or More Past Due | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0
Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	26,602,000
Total Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	18,475,000
Total Past Due | Mortgage finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0
Total Past Due | Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	1,591,000
Total Past Due | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	6,536,000
Current
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	22,405,056,000
Current | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	11,051,552,000
Current | Mortgage finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	5,215,574,000
Current | Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	5,580,054,000
Current | Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 557,876,000

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses on Loans - Summary of Amortized Cost of Gross Modified Loans Held for Investment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Modifications [Line Items]
Total modified in period	$ 103,943	$ 64,492
Percentage of Loans Held for Investment	0.46%	0.32%
Payment Deferral
Financing Receivable, Modifications [Line Items]
Total modified in period	$ 55,341	$ 30,873
Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	25,414	22,097
Payment Deferral and Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	23,188	5,458
Interest Rate Reduction and Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	0	6,064
Commercial
Financing Receivable, Modifications [Line Items]
Total modified in period	$ 55,709	$ 43,128
Percentage of Loans Held for Investment	0.25%	0.21%
Interest Rate Reduction	0%	0.70%
Payment Deferrals	$ 2,060	$ 5,139
Commercial | Minimum
Financing Receivable, Modifications [Line Items]
Term Extension (in months)	6 months	4 months
Commercial | Maximum
Financing Receivable, Modifications [Line Items]
Term Extension (in months)	13 months	36 months
Commercial | Payment Deferral
Financing Receivable, Modifications [Line Items]
Total modified in period	$ 36,853	$ 30,873
Commercial | Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	9,583	733
Commercial | Payment Deferral and Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	9,273	5,458
Commercial | Interest Rate Reduction and Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	0	6,064
Commercial real estate
Financing Receivable, Modifications [Line Items]
Total modified in period	$ 48,234	$ 21,364
Percentage of Loans Held for Investment	0.21%	0.10%
Interest Rate Reduction	0%	0%
Payment Deferrals	$ 960	$ 0
Commercial real estate | Minimum
Financing Receivable, Modifications [Line Items]
Term Extension (in months)	3 months	4 months
Commercial real estate | Maximum
Financing Receivable, Modifications [Line Items]
Term Extension (in months)	4 months	6 months
Commercial real estate | Payment Deferral
Financing Receivable, Modifications [Line Items]
Total modified in period	$ 18,488	$ 0
Commercial real estate | Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	15,831	21,364
Commercial real estate | Payment Deferral and Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	13,915	0
Commercial real estate | Interest Rate Reduction and Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	$ 0	$ 0

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses on Loans - Summary of Loans In Default (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Modifications [Line Items]
Loans subsequently defaulted	$ 2,729	$ 6,304
Total modified in period	103,943	64,492
Payment Deferral
Financing Receivable, Modifications [Line Items]
Loans subsequently defaulted	2,729	0
Total modified in period	55,341	30,873
Term Extension
Financing Receivable, Modifications [Line Items]
Loans subsequently defaulted	0	240
Total modified in period	25,414	22,097
Interest Rate Reduction and Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	0	6,064
Commercial
Financing Receivable, Modifications [Line Items]
Loans subsequently defaulted	2,729	6,304
Total modified in period	55,709	43,128
Commercial | Payment Deferral
Financing Receivable, Modifications [Line Items]
Loans subsequently defaulted	2,729	0
Total modified in period	36,853	30,873
Commercial | Term Extension
Financing Receivable, Modifications [Line Items]
Loans subsequently defaulted	0	240
Total modified in period	9,583	733
Commercial | Interest Rate Reduction and Term Extension
Financing Receivable, Modifications [Line Items]
Total modified in period	$ 0	$ 6,064

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses on Loans - Schedule of Age Analysis of Gross Modified Loans Held for Investment (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Modifications [Line Items]
Total	$ 103,943	$ 64,492
30-89 Days Past Due
Financing Receivable, Modifications [Line Items]
Total	7,350	11,758
90+ Days Past Due
Financing Receivable, Modifications [Line Items]
Total	0	0
Non-Accrual
Financing Receivable, Modifications [Line Items]
Total	51,165	11,601
Current
Financing Receivable, Modifications [Line Items]
Total	45,428	41,133
Commercial
Financing Receivable, Modifications [Line Items]
Total	55,709	43,128
Commercial | 30-89 Days Past Due
Financing Receivable, Modifications [Line Items]
Total	7,350	7,617
Commercial | 90+ Days Past Due
Financing Receivable, Modifications [Line Items]
Total	0	0
Commercial | Non-Accrual
Financing Receivable, Modifications [Line Items]
Total	18,761	11,601
Commercial | Current
Financing Receivable, Modifications [Line Items]
Total	29,598	23,910
Commercial real estate
Financing Receivable, Modifications [Line Items]
Total	48,234	21,364
Commercial real estate | 30-89 Days Past Due
Financing Receivable, Modifications [Line Items]
Total	0	4,141
Commercial real estate | 90+ Days Past Due
Financing Receivable, Modifications [Line Items]
Total	0	0
Commercial real estate | Non-Accrual
Financing Receivable, Modifications [Line Items]
Total	32,404	0
Commercial real estate | Current
Financing Receivable, Modifications [Line Items]
Total	$ 15,830	$ 17,223

Leases - ROU Assets and Lease L

Leases - ROU Assets and Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Leases [Abstract]
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
ROU assets, finance leases	$ 227	$ 1,529
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
ROU assets, operating leases	$ 166,194	$ 87,810
Total ROU assets	$ 166,421	$ 89,339
Finance Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Finance Lease, Liability	$ 234	$ 1,550
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Lease liabilities, operating leases	$ 224,973	$ 109,523
Total lease liabilities	$ 225,207	$ 111,073

Leases - Narrative (Details)

Leases - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($)
Lessee, Lease, Description [Line Items]
Term of finance lease contract	1 year
Future payments for leases that have not yet commenced	$ 5.4
Minimum | Office Space and Bank Branches
Lessee, Lease, Description [Line Items]
Term of operating lease contract	1 year
Maximum
Lessee, Lease, Description [Line Items]
Lease terms for leases that have not yet commenced	11 years
Maximum | Office Space and Bank Branches
Lessee, Lease, Description [Line Items]
Term of operating lease contract	15 years

Leases - Net lease cost (Detail

Leases - Net lease cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Finance lease cost:
Amortization of ROU assets	$ 1,303	$ 1,335
Interest on lease liabilities	19	40
Operating lease cost	21,593	14,854
Short-term lease cost	37	37
Variable lease cost	6,069	7,168
Net lease cost	29,021	23,434
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from finance leases	19	40
Operating cash flows from operating leases	46,920	17,203
Financing cash flows from finance leases	1,315	1,327
ROU assets obtained in exchange for new finance leases	0	0
ROU assets obtained in exchange for new operating leases	$ 123,344	$ 18,741

Leases - Other information (Det

Leases - Other information (Details)	Dec. 31, 2024	Dec. 31, 2023
Leases [Abstract]
Weighted-average remaining lease term - finance leases, in years	4 months 24 days	1 year 2 months 12 days
Weighted-average remaining lease term - operating leases, in years	13 years 6 months	12 years 2 months 12 days
Weighted-average discount rate - finance leases	2.97%	1.85%
Weighted-average discount rate - operating leases	4.49%	4.43%

Leases - Maturity of remaining

Leases - Maturity of remaining lease liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Finance Leases
2025	$ 236
2026	0
2027	0
2028	0
2029	0
2030 and thereafter	0
Total lease payments	236
Less: Interest	(2)
Finance Lease, Liability	234	$ 1,550
Operating Leases
2025	20,899
2026	22,222
2027	22,023
2028	21,314
2029	20,610
2030 and thereafter	201,184
Total lease payments	308,252
Less: Interest	(83,279)
Present value of lease liabilities	224,973	$ 109,523
2025	21,135
2026	22,222
2027	22,023
2028	21,314
2029	20,610
2030 and thereafter	201,184
Total lease payments	308,488
Less: Interest	(83,281)
Present value of lease liabilities	$ 225,207

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Summary of premises and equipment
Premises and equipment, gross	$ 121,555	$ 102,914
Accumulated depreciation	(36,112)	(70,548)
Total premises and equipment, net	85,443	32,366
Depreciation, Depletion and Amortization
Depreciation expense	11,800	10,400	$ 9,500
Premises
Summary of premises and equipment
Premises and equipment, gross	74,228	39,547
Furniture and equipment
Summary of premises and equipment
Premises and equipment, gross	$ 47,327	$ 63,367

Deposits - Schedule of Deposits

Deposits - Schedule of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Non-interest bearing deposits
Non-interest bearing deposits	$ 7,485,428	$ 7,328,276
Interest bearing deposits:
Transaction	2,787,913	2,264,055
Savings	12,712,510	11,000,783
Time	2,252,748	1,778,725
Total interest bearing deposits	17,753,171	15,043,563
Total deposits	$ 25,238,599	$ 22,371,839

Deposits - Schedule of Maturiti

Deposits - Schedule of Maturities of Interest-Bearing Time Deposits (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Scheduled maturities of interest bearing time deposits
2025	$ 2,066,749
2026	185,749
2027	130
2028	36
2029	84
2030 and after	0
Total	$ 2,252,748

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
Interest-bearing time deposits of $250,000 or more	$ 495.5	$ 376.4

Short-Term Borrowings and Lon_3

Short-Term Borrowings and Long-Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	May 06, 2021	Jan. 31, 2014
Debt Instrument [Line Items]
Long-term debt	$ 660,346	$ 859,147
Senior Unsecured Credit-Linked Notes, Due 2024
Debt Instrument [Line Items]
Senior unsecured credit-linked notes	0	199,499
5.75% Subordinated Notes, Due 2026
Debt Instrument [Line Items]
Interest rate				5.25%
Trust preferred securities issued	174,717	174,457
4.00% Subordinated Notes, Due 2031
Debt Instrument [Line Items]
Interest rate			4%
Trust preferred securities issued	372,223	371,785
Floating Rate Subordinated Debentures, Due 2032 to 2036
Debt Instrument [Line Items]
Trust preferred securities issued	$ 113,406	$ 113,406

Short-Term Borrowings and Lon_4

Short-Term Borrowings and Long-Term Debt - Summary of Short-Term Borrowings (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Schedule Of Borrowings [Line Items]
Total FHLB borrowing capacity	$ 8,854,696,000	$ 6,339,707,000
Unused federal funds lines available from commercial banks	1,370,000,000	1,188,000,000
Unused Federal Reserve borrowings capacity	5,436,652,000	4,094,801,000
Unused revolving line of credit	75,000,000	100,000,000
Borrowings	0	0
Federal Funds Purchased
Schedule Of Borrowings [Line Items]
Amount outstanding at year-end	$ 0	$ 0
Interest rate at year-end	0%	0%
Average balance outstanding during the year	$ 16,000	$ 0
Weighted-average interest rate during the year	17.82%	0%
Maximum month-end outstanding during the year	$ 0	$ 0
Customer repurchase agreements
Schedule Of Borrowings [Line Items]
Amount outstanding at year-end	$ 0	$ 0
Interest rate at year-end	0%	0%
Average balance outstanding during the year	$ 0	$ 25,000
Weighted-average interest rate during the year	0%	0.39%
Maximum month-end outstanding during the year	$ 0	$ 0
FHLB Borrowings
Schedule Of Borrowings [Line Items]
Amount outstanding at year-end	$ 885,000,000	$ 1,500,000,000
Interest rate at year-end	4.38%	5.64%
Average balance outstanding during the year	$ 933,880,000	$ 1,323,014,000
Weighted-average interest rate during the year	5.35%	5.34%
Maximum month-end outstanding during the year	$ 1,675,000,000	$ 2,100,000,000
Loans
Schedule Of Borrowings [Line Items]
Total FHLB borrowing capacity	4,664,703,000	2,602,092,000
Debt Securities
Schedule Of Borrowings [Line Items]
Total FHLB borrowing capacity	$ 4,189,993,000	$ 3,737,615,000

Short-Term Borrowings and Lon_5

Short-Term Borrowings and Long-Term Debt - Summary of Long-Term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	May 06, 2021	Jan. 31, 2014
Schedule Of Borrowings [Line Items]
Long-term debt	$ 660,346	$ 859,147
Senior Unsecured Credit-Linked Notes, Due 2024
Schedule Of Borrowings [Line Items]
Senior unsecured credit-linked notes	0	199,499
5.75% Subordinated Notes, Due 2026
Schedule Of Borrowings [Line Items]
Trust preferred securities issued	174,717	174,457
Interest rate				5.25%
4.00% Subordinated Notes, Due 2031
Schedule Of Borrowings [Line Items]
Trust preferred securities issued	372,223	371,785
Interest rate			4%
Floating Rate Subordinated Debentures, Due 2032 to 2036
Schedule Of Borrowings [Line Items]
Trust preferred securities issued	$ 113,406	$ 113,406

Short-Term Borrowings and Lon_6

Short-Term Borrowings and Long-Term Debt - Preferred Subordinated Debentures (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)
Texas Capital Statutory Trust I
Subordinated Borrowing [Line Items]
Trust preferred securities issued	$ 10,310
Texas Capital Statutory Trust I | Trust preferred subordinated debentures
Subordinated Borrowing [Line Items]
Interest rate on subordinated debentures	3.61%
Texas Capital Statutory Trust II
Subordinated Borrowing [Line Items]
Trust preferred securities issued	$ 10,310
Texas Capital Statutory Trust II | Trust preferred subordinated debentures
Subordinated Borrowing [Line Items]
Interest rate on subordinated debentures	3.51%
Texas Capital Statutory Trust III
Subordinated Borrowing [Line Items]
Trust preferred securities issued	$ 25,774
Texas Capital Statutory Trust III | Trust preferred subordinated debentures
Subordinated Borrowing [Line Items]
Interest rate on subordinated debentures	1.77%
Texas Capital Statutory Trust IV
Subordinated Borrowing [Line Items]
Trust preferred securities issued	$ 25,774
Texas Capital Statutory Trust IV | Trust preferred subordinated debentures
Subordinated Borrowing [Line Items]
Interest rate on subordinated debentures	1.86%
Texas Capital Statutory Trust V
Subordinated Borrowing [Line Items]
Trust preferred securities issued	$ 41,238
Texas Capital Statutory Trust V | Trust preferred subordinated debentures
Subordinated Borrowing [Line Items]
Interest rate on subordinated debentures	1.97%

Financial Instruments with Of_3

Financial Instruments with Off-Balance Sheet Risk (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Beginning balance	$ 46,362	$ 21,793
Provision for credit losses	6,970	24,569
Ending balance	53,332	46,362
Commitments to extend credit
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Off-balance sheet liability	9,694,406	9,749,085
Standby letters of credit
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Off-balance sheet liability	538,047	595,079
Commercial
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Beginning balance	36,040	16,550
Provision for credit losses	11,867	19,490
Ending balance	47,907	36,040
Mortgage finance
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Beginning balance	6	0
Provision for credit losses	17	6
Ending balance	23	6
Commercial real estate
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Beginning balance	10,147	5,222
Provision for credit losses	(4,796)	4,925
Ending balance	5,351	10,147
Consumer
Allowance For Off-Balance Sheet Credit Losses [Roll Forward]
Beginning balance	169	21
Provision for credit losses	(118)	148
Ending balance	$ 51	$ 169

Regulatory Ratios and Capital -

Regulatory Ratios and Capital - Narrative (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) $ / shares shares	Dec. 31, 2023 USD ($)	Jan. 17, 2024 USD ($)	Dec. 31, 2009 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Shares repurchased	$ 81,508	$ 105,024
Assets	$ 30,731,883	$ 28,356,266		$ 15,000,000
January 2024 Share Repurchase Program
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Authorized repurchase amount			$ 150,000
January 2023 Share Repurchase Program
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Shares repurchased (in shares) | shares	1,381,436
Shares repurchased	$ 81,500
Shares repurchased, price per share (in dollars per share) | $ / shares	$ 58.57
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 Ratios and Capital_2

Regulatory Ratios and Capital - Schedule of Compliance With Regulatory Capital Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0600
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000
CET1, actual amount	$ 3,251,979	$ 3,264,609
Tier One Risk Based Capital	3,661,979	3,674,609
Capital	4,390,656	4,405,575
Tier One Leverage Capital	$ 3,661,979	$ 3,674,609
CET1, actual ratio	11.38%	12.65%
Tier One Risk Based Capital to Risk Weighted Assets	0.1282	0.1424
Capital to Risk Weighted Assets	0.1537	0.1707
Tier One Leverage Capital to Average Assets	0.1133	0.1221
Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 to be well capitalized under prompt corrective action provisions, ratio	6.50%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0800
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	0.0500
CET1, actual amount	$ 3,611,714	$ 3,599,919
Tier One Risk Based Capital	3,611,714	3,599,919
Capital	3,968,168	3,959,100
Tier One Leverage Capital	$ 3,611,714	$ 3,599,919
CET1, actual ratio	12.75%	14.01%
Tier One Risk Based Capital to Risk Weighted Assets	0.1275	0.1401
Capital to Risk Weighted Assets	0.1400	0.1541
Tier One Leverage Capital to Average Assets	0.1127	0.1200
Basel III, Phase-In Schedule
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 for capital adequacy purposes, ratio	7%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0850
Capital Required for Capital Adequacy to Risk Weighted Assets	0.1050
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400
Basel III, Phase-In Schedule | Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 for capital adequacy purposes, ratio	7%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0850
Capital Required for Capital Adequacy to Risk Weighted Assets	0.1050
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400

Stock-Based Compensation - Narr

Stock-Based Compensation - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employer contribution	$ 13,800	$ 15,200	$ 13,300
Maximum percent of salary that can be contributed to deferred compensation plan	75%
Employer discretionary contributions	$ 0	$ 0
Eligible employee contribution, minimum (in percent)	1%
Eligible employee contribution, maximum (in percent)	10%
Number of shares authorized under the plan	1,400,000
Number of shares available to be issued under the plan	249,423
Stock appreciation rights (SARs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	5 years
RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	3 years
Cash Settled Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	3 years
RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)	3 years
Employee Stock [Member]
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	231,505	210,558	184,263

Stock-Based Compensation - Sche

Stock-Based Compensation - Schedule of Stock Appreciation Rights Activity (Details) - SARs - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
SARs
Outstanding at beginning of year (in shares)	0	0	3,000
Exercised (in shares)	0	0	(3,000)
Outstanding at year-end (in shares)	0	0	0
Weighted Average Exercise Price
SARs outstanding at beginning of year, weighted average exercise price	$ 0	$ 0	$ 44.20
SARs exercised, weighted average exercise price	0	0	44.20
SARs outstanding at year end, weighted average exercise price	$ 0	$ 0	$ 0
Additional Information:
Vested and exercisable at year-end	0	0	0
SARs vested and exercisable at year end, weighted average exercise price	$ 0	$ 0	$ 0
Weighted average remaining contractual life of vested (in years)	0 years	0 years	0 years
Weighted average remaining contractual life of SARs (in years)	0 years	0 years	0 years
Compensation expense	$ 0	$ 0	$ 0
Unrecognized compensation expense	0	0	0
Intrinsic value of exercised	$ 0	$ 0	$ 64,000

Stock-Based Compensation - Summ

Stock-Based Compensation - Summary of Status and Changes in Nonvested Restricted Stock Units (Details) - RSUs - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number of Shares
Outstanding at beginning of year (in shares)	1,081,679	1,155,652	1,206,862
Granted (in shares)	421,642	405,434	453,323
Vested (in shares)	(528,208)	(355,046)	(308,771)
Forfeited (in shares)	(120,462)	(124,361)	(195,762)
Outstanding at year-end (in shares)	854,651	1,081,679	1,155,652
Weighted- Average Grant- Date Fair Value
Balance at beginning of year, weighted average grant-date fair value	$ 66.91	$ 61.12	$ 56.06
Granted, weighted average grant-date fair value	63.98	68.63	68.15
Vested, weighted average grant-date fair value	63.56	50.79	54.51
Forfeited, weighted average grant-date fair value	67.14	66.98	58.42
Balance at year end, weighted average grant-date fair value	$ 67.48	$ 66.91	$ 61.12
Compensation expense	$ 20,212	$ 24,200	$ 21,246
Unrecognized compensation expense	$ 24,014	$ 28,585	$ 32,148
Weighted average period over which unrecognized compensation expense is expected to be recognized (in years)	1 year 9 months 3 days	1 year 10 months 20 days	2 years 3 months 21 days
Fair value of shares vested during the year	$ 33,572	$ 18,117	$ 16,835
Intrinsic value of shares vested during the year	$ 32,049	$ 20,125	$ 18,640

Stock-Based Compensation - Sc_2

Stock-Based Compensation - Schedule of Share-Based Payment Award, Valuation Assumptions (Details) - RSUs	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate	4.41%	4.14%	1.56%
Expected stock price volatility	38.30%	50.20%	57.10%
Simulation period	2 years 10 months 13 days	2 years 10 months 20 days	2 years 10 months 20 days

Stock-Based Compensation - Su_2

Stock-Based Compensation - Summary of Cash-Settled RSU Activity (Details) - Cash Settled Restricted Stock Units - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number of Shares
Outstanding at beginning of year (in shares)	0	0	13,131
Granted (in shares)	226,864	0	0
Vested (in shares)	(55)	0	(12,655)
Forfeited (in shares)	(31,998)	0	(476)
Outstanding at year-end (in shares)	194,811	0	0
Compensation expense	$ 4,481,000	$ 0	$ 186
Weighted average period over which unrecognized compensation expense is expected to be recognized (in years)	2 years 2 months 8 days	0 years	0 years

Income Taxes - Income Tax Expen

Income Taxes - Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Current:
Federal	$ 37,878	$ 69,350	$ 109,370
State	7,761	5,888	7,302
Total	45,639	75,238	116,672
Deferred:
Federal	(14,960)	(16,540)	(16,178)
State	(1,126)	(1,244)	(1,217)
Total	(16,086)	(17,784)	(17,395)
Total expense:
Federal	22,918	52,810	93,192
State	6,635	4,644	6,085
Income tax expense	$ 29,553	$ 57,454	$ 99,277

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Amount
U.S. statutory rate	$ 22,483	$ 51,785	$ 90,669
State taxes	2,539	2,938	6,822
Tax-exempt income	(1,471)	(350)	(1,061)
Tax credits	(1,833)	(855)	(128)
Disallowed FDIC	2,257	1,863	1,491
Disallowed compensation	2,022	1,176	2,771
Uncertain tax positions recognized	2,688	155	167
Other	868	742	(1,454)
Income tax expense	$ 29,553	$ 57,454	$ 99,277
Rate
U.S. statutory rate	21%	21%	21%
State taxes	2%	1%	2%
Tax-exempt income	(1.00%)	0%	0%
Tax credits	(2.00%)	0%	0%
Disallowed FDIC	2%	1%	0%
Disallowed compensation	2%	0%	1%
Uncertain tax positions recognized	3%	0%	0%
Other	1%	0%	(1.00%)
Total	28%	23%	23%

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Unrecognized tax benefits	$ 4,300	$ 1,000	$ 889

Income Taxes - Deferred Tax Ass

Income Taxes - Deferred Tax Asset (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Allowance for credit losses	$ 73,394	$ 66,913
Lease liabilities	50,852	25,080
Loan origination fees, net	14,765	13,377
Stock compensation	6,518	6,216
Non-accrual interest	2,707	1,672
Deferred compensation	5,336	4,672
Net unrealized losses in AOCI	53,404	96,229
Other	6,108	6,069
Total deferred tax assets	213,084	220,228
Deferred tax liabilities:
Lease financing transactions	(15,262)	(9,741)
Lease ROU assets	(37,527)	(21,225)
Depreciation	(1,513)	(3,473)
Other	(460)	(728)
Total deferred tax liabilities	(54,762)	(35,167)
Net deferred tax asset	$ 158,322	$ 185,061

Fair Value Disclosures - Schedu

Fair Value Disclosures - Schedule of Assets and Liabilities Measured At Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	$ 3,524,686	$ 3,225,892
Equity securities	75,261	51,825
Derivative assets	23,202	32,944
Derivative liabilities	57,906	70,917
U.S. Treasury securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	277,285	636,473
U.S. government agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities		106,592
Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	3,034,043	2,470,832
Commercial mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	201,432
CRT securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	11,926	11,995
Fair value measurements, recurring basis | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	59,235	40,661
Mortgage loans held for sale		0
Loans held for investment	0	0
Derivative assets	0	0
Securities sold not yet purchased	33,705	10,602
Derivative liabilities	0	0
Non-qualified deferred compensation plan liabilities	19,109	20,387
Fair value measurements, recurring basis | Level 1 | U.S. Treasury securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	277,285	636,473
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]
Available-for-sale debt securities		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]
Available-for-sale debt securities	0	0
Fair value measurements, recurring basis | Level 1 | Commercial mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	0
Fair value measurements, recurring basis | Level 1 | CRT securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt 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	16,026	11,164
Mortgage loans held for sale		706
Loans held for investment	0	0
Derivative assets	23,202	32,944
Securities sold not yet purchased	0	0
Derivative liabilities	57,906	70,917
Non-qualified deferred compensation plan liabilities	0	0
Fair value measurements, recurring basis | Level 2 | U.S. Treasury securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	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]
Available-for-sale debt securities		106,592
Fair value measurements, recurring basis | Level 2 | Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	3,034,043	2,470,832
Fair value measurements, recurring basis | Level 2 | Commercial mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	201,432
Fair value measurements, recurring basis | Level 2 | CRT securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt 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
Mortgage loans held for sale		0
Loans held for investment	35,318	38,341
Derivative assets	0	0
Securities sold not yet purchased	0	0
Derivative liabilities	0	0
Non-qualified deferred compensation plan liabilities	0	0
Fair value measurements, recurring basis | Level 3 | U.S. Treasury securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	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]
Available-for-sale debt securities		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]
Available-for-sale debt securities	0	0
Fair value measurements, recurring basis | Level 3 | Commercial mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	0
Fair value measurements, recurring basis | Level 3 | CRT securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale debt securities	$ 11,926	$ 11,995

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, 2024	Dec. 31, 2023
CRT securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at Beginning of Period	$ 11,995	$ 11,861
Purchases / Additions	0	0
Sales / Reductions	(1,170)	(1,077)
Realized	0	0
Unrealized	1,101	1,211
Balance at End of Period	$ 11,926	$ 11,995
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]	Accumulated other comprehensive loss, net of taxes	Accumulated other comprehensive loss, net of taxes
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other	Noninterest Income, Other
Tax-exempt asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]	Accumulated other comprehensive loss, net of taxes	Accumulated other comprehensive loss, net of taxes
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other	Noninterest Income, Other

Fair Value Disclosures - Narrat

Fair Value Disclosures - Narrative (Details) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2024 USD ($)	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value, Inputs, Level 3 | Fair Value, Measurements, Nonrecurring
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Loans held for investment, net		$ 35.3	$ 38.3
Impaired loans, carrying value		63.6	$ 58.3
Allowance allocations	$ 20	$ 28.3
CRT securities | Minimum
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, term		4 years 6 months 3 days
CRT securities | Maximum
Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]
Debt securities, available-for-sale, term		6 years 7 months 28 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		0.0502
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		0.0658
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		0.0563	0.0657
Debt securities, available-for-sale, term		5 years 4 months 6 days	6 years 21 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, 2024	Dec. 31, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	$ 3,524,686	$ 3,225,892
Held-to-maturity debt securities	796,168	865,477
Equity securities	75,261	51,825
Derivative assets	23,202	32,944
Long-term debt	660,346	859,147
Derivative liabilities	57,906	70,917
Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	3,188,808	3,242,850
Available-for-sale debt securities	3,524,686	3,225,892
Held-to-maturity debt securities	796,168	865,477
Equity securities	75,261	51,825
Loans held for sale		44,105
Loans held for investment, net	22,178,357	20,090,585
Derivative assets	23,202	32,944
Total deposits	25,238,599	22,371,839
Short-term borrowings	885,000	1,500,000
Long-term debt	660,346	859,147
Securities sold not yet purchased	33,705	10,602
Derivative liabilities	57,906	70,917
Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	3,188,808	3,242,850
Available-for-sale debt securities	3,524,686	3,225,892
Held-to-maturity debt securities	678,174	763,844
Equity securities	75,261	51,825
Loans held for sale		44,105
Loans held for investment, net	22,115,585	20,050,974
Derivative assets	23,202	32,944
Total deposits	25,245,009	22,379,452
Short-term borrowings	885,000	1,500,000
Long-term debt	622,713	801,309
Securities sold not yet purchased	33,705	10,602
Derivative liabilities	57,906	70,917
Level 1 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	3,188,808	3,242,850
Available-for-sale debt securities	277,285	636,473
Held-to-maturity debt securities	0	0
Equity securities	59,235	40,661
Loans held for sale		15,000
Loans held for investment, net	0	0
Derivative assets	0	0
Total deposits	0	0
Short-term borrowings	0	0
Long-term debt	0	0
Securities sold not yet purchased	33,705	10,602
Derivative liabilities	0	0
Level 2 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0
Available-for-sale debt securities	3,235,475	2,577,424
Held-to-maturity debt securities	678,174	763,844
Equity securities	16,026	11,164
Loans held for sale		29,105
Loans held for investment, net	0	0
Derivative assets	23,202	32,944
Total deposits	0	0
Short-term borrowings	885,000	1,500,000
Long-term debt	622,713	801,309
Securities sold not yet purchased	0	0
Derivative liabilities	57,906	70,917
Level 3 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0
Available-for-sale debt securities	11,926	11,995
Held-to-maturity debt securities	0	0
Equity securities	0	0
Loans held for sale		0
Loans held for investment, net	22,115,585	20,050,974
Derivative assets	0	0
Total deposits	25,245,009	22,379,452
Short-term borrowings	0	0
Long-term debt	0	0
Securities sold not yet purchased	0	0
Derivative liabilities	$ 0	$ 0

Derivative Financial Instrume_3

Derivative Financial Instruments - Schedule of Derivative Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivative [Line Items]
Estimated fair value, asset derivative	$ 96,978	$ 108,972
Estimated fair value, liability derivative	118,965	170,307
Offsetting derivative liabilities	(44,097)	(37,346)
Offsetting derivative assets	(44,097)	(37,346)
Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Cash, Offset Against Derivative Asset	(29,679)	(38,682)
Derivative Liability, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Cash Offset	(16,962)	(62,044)
Net asset derivatives included in the consolidated balance sheets	23,202	32,944
Net liability derivatives included in the consolidated balance sheets	$ 57,906	$ 70,917
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Derivatives designated as hedges | Swaps | Cash Flow Hedging
Derivative [Line Items]
Residential MSRs, notional amount	$ 2,600,000	$ 2,850,000
Estimated fair value, asset derivative	254	668
Estimated fair value, liability derivative	23,265	57,961
Non-hedging derivatives | Swaps | Customer-Initiated and Other Derivatives
Derivative [Line Items]
Residential MSRs, notional amount	6,273,301	5,673,822
Estimated fair value, asset derivative	45,771	65,247
Estimated fair value, liability derivative	45,771	69,863
Non-hedging derivatives | Foreign currency forward contracts | Customer-Initiated and Other Derivatives
Derivative [Line Items]
Residential MSRs, notional amount	485,948	4,824
Estimated fair value, asset derivative	5,462	52
Estimated fair value, liability derivative	5,299	31
Non-hedging derivatives | Caps and floors written | Customer-Initiated and Other Derivatives
Derivative [Line Items]
Residential MSRs, notional amount	970,451	637,971
Estimated fair value, asset derivative	1,066	1,654
Estimated fair value, liability derivative	2,529	2,228
Non-hedging derivatives | Caps and floors purchased | Customer-Initiated and Other Derivatives
Derivative [Line Items]
Residential MSRs, notional amount	970,451	637,971
Estimated fair value, asset derivative	2,529	2,228
Estimated fair value, liability derivative	1,066	1,654
Non-hedging derivatives | Forward contracts | Customer-Initiated and Other Derivatives
Derivative [Line Items]
Residential MSRs, notional amount	20,237,917	8,665,675
Estimated fair value, asset derivative	41,896	39,123
Estimated fair value, liability derivative	$ 41,035	$ 38,570

Derivative Financial Instrume_4

Derivative Financial Instruments Derivative Financial Instruments - Narrative (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) instrument	Dec. 31, 2023 USD ($) instrument
Derivative [Line Items]
Cash collateral pledged for derivatives	$ 71,300,000	$ 119,000,000
CashCollateralPostedForDerivativesInLiabilityPosition	$ 31,000,000	$ 42,300,000
Risk participation agreement - participant bank
Derivative [Line Items]
Instruments held | instrument	17	14
Non-hedging derivatives, notional amoount	$ 228,600,000	$ 230,700,000
Maximum exposure	$ 4,100,000	$ 4,500,000
Risk participation agreement - lead bank
Derivative [Line Items]
Instruments held | instrument	25	15
Non-hedging derivatives, notional amoount	$ 349,500,000	$ 204,800,000
Interest rate contract
Derivative [Line Items]
Unrealized losses, net of tax to AOCI	28,700,000
Amount reclassified from AOCI into interest income on loans	66,900,000
Amount reclassified from AOCI as a decrease to interest income	$ 22,500,000
Maximum period to hedge forecasted transactions	1 year 2 months 1 day
Loans Receivable | Not Designated as Hedging Instrument
Derivative [Line Items]
Credit risk exposure, net of collateral pledged, relating to derivatives	$ 23,200,000	$ 32,900,000

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	$ 3,199,142	$ 3,055,351	$ 3,209,616
Change in unrealized gain/(loss)	(31,555)	4,323	(479,814)
Amounts reclassified into net income	253,277	67,752	9,905
Other comprehensive income/(loss)	221,722	72,075	(469,909)
Income tax expense/(benefit)	42,825	15,136	(98,681)
Other comprehensive income/(loss), net of tax	178,897	56,939	(371,228)
Ending balance	3,367,936	3,199,142	3,055,351
Cash Flow Hedges
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(45,749)	(66,394)
Change in unrealized gain/(loss)	(28,672)	(34,778)
Amounts reclassified into net income	66,852	60,911
Other comprehensive income/(loss)	38,180	26,133
Income tax expense/(benefit)	7,706	5,488
Other comprehensive income/(loss), net of tax	30,474	20,645
Ending balance	(15,275)	(45,749)	(66,394)
Available-for-Sale Securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(273,806)	(304,309)
Change in unrealized gain/(loss)	(2,883)	39,101
Amounts reclassified into net income	179,581	(489)
Other comprehensive income/(loss)	176,698	38,612
Income tax expense/(benefit)	34,423	8,109
Other comprehensive income/(loss), net of tax	142,275	30,503
Ending balance	(131,531)	(273,806)	(304,309)
Held-to-Maturity Securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(42,449)	(48,240)
Change in unrealized gain/(loss)	0	0
Amounts reclassified into net income	6,844	7,330
Other comprehensive income/(loss)	6,844	7,330
Income tax expense/(benefit)	696	1,539
Other comprehensive income/(loss), net of tax	6,148	5,791
Ending balance	(36,301)	(42,449)	(48,240)
Total
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(362,004)	(418,943)	(47,715)
Ending balance	$ (183,107)	$ (362,004)	$ (418,943)

Parent Company Only - Balance S

Parent Company Only - Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2009
Assets
Investment securities	$ 4,396,115	$ 4,143,194
Other assets	881,664	801,670
Total assets	30,731,883	28,356,266			$ 15,000,000
Liabilities:
Long-term debt	660,346	859,147
Total liabilities	27,363,947	25,157,124
Stockholders’ Equity:
Preferred stock	300,000	300,000
Common stock	515	511
Additional paid-in capital	1,056,719	1,045,576
Retained earnings	2,495,651	2,435,393
Treasury stock	(301,842)	(220,334)
Accumulated other comprehensive income/(loss)	(183,107)	(362,004)
Total stockholders’ equity	3,367,936	3,199,142	$ 3,055,351	$ 3,209,616
Total liabilities and stockholders’ equity	30,731,883	28,356,266
Texas Capital Bancshares, Inc.
Assets
Cash and cash equivalents	205,377	301,672
Investment securities	38,683	18,845
Investment in subsidiaries	3,604,699	3,306,095
Other assets	29,389	55,949
Total assets	3,878,148	3,682,561
Liabilities:
Other liabilities	50,050	23,695
Long-term debt	485,629	485,191
Total liabilities	535,679	508,886
Stockholders’ Equity:
Preferred stock	300,000	300,000
Common stock	515	511
Additional paid-in capital	1,056,719	1,045,576
Retained earnings	2,470,184	2,409,926
Treasury stock	(301,842)	(220,334)
Accumulated other comprehensive income/(loss)	(183,107)	(362,004)
Total stockholders’ equity	3,342,469	3,173,675
Total liabilities and stockholders’ equity	$ 3,878,148	$ 3,682,561

Parent Company Only - Statement

Parent Company Only - Statement of Earnings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Earnings
Interest on notes receivable	$ 1,377,925	$ 1,300,653	$ 983,794
Interest expense	828,250	715,800	268,479
Salaries and benefits	466,578	459,700	434,906
Legal and professional	53,783	64,924	75,858
Other non-interest expense	53,873	49,938	56,561
Income tax benefit	(29,553)	(57,454)	(99,277)
Net income	77,508	189,141	332,478
Preferred stock dividends	17,250	17,250	17,250
Net income available to common stockholders	60,258	171,891	315,228
Texas Capital Bancshares, Inc.
Statement of Earnings
Interest on notes receivable	2	2,167	3,250
Dividend income	685	7,671	10,529
Other income	148	(94)	9
Total income	835	9,744	13,788
Interest expense	23,925	23,714	19,721
Salaries and benefits	922	835	782
Legal and professional	2,005	1,504	1,583
Other non-interest expense	2,072	1,823	1,636
Total expense	28,924	27,876	23,722
Loss before income taxes and equity in undistributed income of subsidiary	(28,089)	(18,132)	(9,934)
Income tax benefit	8,102	4,537	2,282
Income before income taxes	(19,987)	(13,595)	(7,652)
Equity in undistributed income of subsidiary	97,495	201,189	337,946
Net income	77,508	187,594	330,294
Preferred stock dividends	17,250	17,250	17,250
Net income available to common stockholders	$ 60,258	$ 170,344	$ 313,044

Parent Company Only - Stateme_2

Parent Company Only - Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating activities
Net income	$ 77,508	$ 189,141	$ 332,478
Adjustments to reconcile net income to net cash provided by/(used in) operating activities:
Accrued interest receivable and other assets	(1,611)	(78,606)	(25,482)
Accrued interest payable and other liabilities	38,878	29,134	2,518
Net cash provided by operating activities	481,121	373,740	147,970
Investing Activities
Sales/(purchases) of equity securities, net	(17,850)	(14,298)	11,651
Net cash provided by/(used in) investing activities	(2,479,100)	(1,755,478)	3,308,567
Financing Activities
Preferred stock dividends paid	(17,250)	(17,250)	(17,250)
Repurchase of common stock	(81,508)	(105,024)	(115,302)
Net cash provided by/(used in) financing activities	1,943,937	(387,672)	(6,390,936)
Net increase/(decrease) in cash and cash equivalents	(54,042)	(1,769,410)	(2,934,399)
Cash and cash equivalents at beginning of period	3,242,850	5,012,260	7,946,659
Cash and cash equivalents at end of period	3,188,808	3,242,850	5,012,260
Texas Capital Bancshares, Inc.
Operating activities
Net income	77,508	187,594	330,294
Adjustments to reconcile net income to net cash provided by/(used in) operating activities:
Equity in undistributed income of subsidiary	(97,495)	(201,189)	(337,946)
Depreciation and amortization	438	437	438
Net (gain)/loss recognized on equity securities	(4,395)	(508)	0
Accrued interest receivable and other assets	26,560	37,446	(2,095)
Accrued interest payable and other liabilities	26,355	16,941	3,086
Net cash provided by operating activities	28,971	40,721	(6,223)
Investing Activities
Sales/(purchases) of equity securities, net	(15,443)	(18,337)	0
Repayments of investments in/(advances to) subsidiaries	(2,000)	160,000	(50,000)
Net cash provided by/(used in) investing activities	(17,443)	141,663	(50,000)
Financing Activities
Issuance of stock related to stock-based awards	(9,065)	(4,215)	(4,209)
Preferred stock dividends paid	(17,250)	(17,250)	(17,250)
Repurchase of common stock	(81,508)	(105,024)	(115,302)
Net cash provided by/(used in) financing activities	(107,823)	(126,489)	(136,761)
Net increase/(decrease) in cash and cash equivalents	(96,295)	55,895	(192,984)
Cash and cash equivalents at beginning of period	301,672	245,777	438,761
Cash and cash equivalents at end of period	$ 205,377	$ 301,672	$ 245,777