Texas Capital Bancshares (TCBI) Debt/Equity Ratio: History & Chart

Texas Capital Bancshares, Inc.(TCBI)

Banks - Regional · Dallas, TX

$93.03-0.66 (-0.70%)

Delayed quote: Oct 6, 2026, 3:00 PM EDT

About Texas Capital Bancshares, Inc.

Texas Capital Bancshares, Inc. serves as the holding company for Texas Capital Bank, operating as a comprehensive financial services firm that delivers tailored solutions to businesses, entrepreneurs, and individual clients. Its offerings encompass commercial banking, consumer banking, investment banking, and wealth management. The company provides businesses with various deposit accounts, such as commercial checking, lockbox, and cash concentration services, alongside digital banking tools for information access, wire transfers, ACH initiation, and account integration. For individual clients, it offers checking, savings, money market accounts, and certificates of deposit. Regarding lending, the firm extends a broad spectrum of options, including commercial loans to fund working capital, growth initiatives, acquisitions, and business insurance premiums, in addition to consumer loans. Specialized financing is available for exploration and production companies, mortgage finance, commercial real estate, and residential homebuilder projects. Furthermore, it offers first and second lien loans for purchasing or constructing 1-4 family residences, home equity revolving lines of credit, and loans for acquiring residential lots. SBA-backed real estate loans, equipment financing and leasing services, and letters of credit round out its lending portfolio. Beyond its core banking and lending activities, clients benefit from online and mobile banking platforms, debit and credit card services, escrow management, and comprehensive personal wealth and trust services. Depositors also have the opportunity to earn American Airlines AAdvantage miles. Its operations are focused within the Austin, Fort Worth, Dallas, Houston, and San Antonio metropolitan areas of Texas. Established in 1996, the firm maintains its headquarters in Dallas, Texas.

Dallas, TX

1,785 employees

www.texascapitalbank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Robert C. Holmes

View full financials

TCBI Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

0.23

DEBT TO EQUITY RATIO AVG TTM

0.30

DEBT TO EQUITY RATIO AVG 3Y

0.49

DEBT TO EQUITY RATIO AVG 5Y

0.66

DEBT TO EQUITY RATIO AVG 10Y

1.04

DEBT TO EQUITY RATIO AVG 15Y

1.11

DEBT TO EQUITY RATIO AVG 20Y

1.33

CURRENT VS TTM AVG

-23.15%

CURRENT VS 3Y AVG

-52.05%

CURRENT VS 5Y AVG

-64.44%

CURRENT VS 10Y AVG

-77.64%

CURRENT VS 15Y AVG

-79.05%

CURRENT VS 20Y AVG

-82.42%

SECTOR MEDIAN · FINANCIAL SERVICES

0.28

median of 700 covered companies

CURRENT VS SECTOR MEDIAN

-16.69%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
Texas Capital Bancshares, Inc. (TCBI)	$4.04B	0.23	0.30	0.49	0.66
Cathay General Bancorp (CATY)vs ›	$4.03B	0.05	0.08	0.17	0.15
Texas Capital Bancshares, Inc. (TCBIO)vs ›	$4.02B	0.23	0.36	0.54	0.72
WSFS Financial Corporation (WSFS)vs ›	$3.95B	0.11	0.13	0.24	0.21
Defiance Quantum ETF (QTUM)vs ›	$4.15B	N/A	N/A	N/A	N/A
Marathon Digital Holdings, Inc. (MARA)vs ›	$4.20B	1.49	0.82	0.97	0.83
WesBanco, Inc. (WSBCO)vs ›	$3.87B	0.43	0.47	0.52	0.44
CorVel Corporation (CRVL)vs ›	$3.87B	0.07	0.08	0.12	0.15
SLM Corporation (SLM)vs ›	$4.23B	2.36	2.69	2.79	2.66
Independent Bank Corp. (INDB)vs ›	$3.83B	0.20	0.24	0.23	0.18

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

Texas Capital Bancshares, Inc. (TCBI)

$4.04B

0.23

0.30

0.49

0.66

Cathay General Bancorp (CATY)vs ›

$4.03B

0.05

0.08

0.17

0.15

Texas Capital Bancshares, Inc. (TCBIO)vs ›

$4.02B

0.23

0.36

0.54

0.72

WSFS Financial Corporation (WSFS)vs ›

$3.95B

0.11

0.13

0.24

0.21

Defiance Quantum ETF (QTUM)vs ›

$4.15B

N/A

Marathon Digital Holdings, Inc. (MARA)vs ›

$4.20B

1.49

0.82

0.97

0.83

WesBanco, Inc. (WSBCO)vs ›

$3.87B

0.43

0.47

0.52

0.44

CorVel Corporation (CRVL)vs ›

$3.87B

0.07

0.08

0.12

0.15

SLM Corporation (SLM)vs ›

$4.23B

2.36

2.69

2.79

2.66

Independent Bank Corp. (INDB)vs ›

$3.83B

0.20

0.24

0.23

0.18

Debt to Equity Ratio FAQ

What is the debt to equity ratio for Texas Capital Bancshares, Inc. (TCBI)?

The debt to equity ratio for TCBI stock is 0.23.

Is Texas Capital Bancshares, Inc.'s debt to equity ratio high or low?

The debt to equity ratio of 0.23 is 64% below its 5-year average of 0.66, near the low end of its 5-year range (0.23–1.19).

What is the TTM average debt to equity ratio for Texas Capital Bancshares, Inc. (TCBI)?

The TTM average debt to equity ratio for TCBI stock is 0.30.

What is the 3Y average debt to equity ratio for Texas Capital Bancshares, Inc. (TCBI)?

The 3Y average debt to equity ratio for TCBI stock is 0.49.

What is the 5Y average debt to equity ratio for Texas Capital Bancshares, Inc. (TCBI)?

The 5Y average debt to equity ratio for TCBI stock is 0.66.

What is the 10Y average debt to equity ratio for Texas Capital Bancshares, Inc. (TCBI)?

The 10Y average debt to equity ratio for TCBI stock is 1.04.

What is the 15Y average debt to equity ratio for Texas Capital Bancshares, Inc. (TCBI)?

The 15Y average debt to equity ratio for TCBI stock is 1.11.

What is the 20Y average debt to equity ratio for Texas Capital Bancshares, Inc. (TCBI)?

The 20Y average debt to equity ratio for TCBI stock is 1.33.

DATE	DEBT TO EQUITY RATIO
2026-06-30	0.23
2026-03-31	0.24
2025-12-31	0.26
2025-09-30	0.25
2025-06-30	0.53
2025-03-31	0.41
2024-12-31	0.46
2024-09-30	0.51
2024-06-30	0.74
2024-03-31	0.51
2023-12-31	0.74
2023-09-30	0.73
2023-06-30	0.72
2023-03-31	0.98
2022-12-31	0.70
2022-09-30	0.91
2022-06-30	1.19
2022-03-31	0.76
2021-12-31	0.97
2021-09-30	0.99
2021-06-30	0.94
2021-03-31	1.01
2020-12-31	1.22
2020-09-30	1.18
2020-06-30	1.20
2020-03-31	1.99
2019-12-31	1.05
2019-09-30	1.10
2019-06-30	1.50
2019-03-31	1.90
2018-12-31	1.97
2018-09-30	1.68
2018-06-30	2.10
2018-03-31	1.42
2017-12-31	1.62
2017-09-30	1.38
2017-06-30	1.69
2017-03-31	0.99
2016-12-31	1.25
2016-09-30	1.24
2016-06-30	1.49
2016-03-31	1.27
2015-12-31	1.25
2015-09-30	1.10
2015-06-30	1.23
2015-03-31	1.00
2014-12-31	1.07
2014-09-30	0.87
2014-06-30	1.11
2014-03-31	0.88
2013-12-31	1.14
2013-09-30	0.63
2013-06-30	1.80
2013-03-31	1.15
2012-12-31	2.60
2012-09-30	2.80
2012-06-30	2.53
2012-03-31	2.74
2011-12-31	5.21
2011-09-30	2.47
2011-06-30	1.20
2011-03-31	0.45
2010-12-31	0.78
2010-09-30	0.52
2010-06-30	0.73
2010-03-31	1.13
2009-12-31	2.22
2009-09-30	1.67
2009-06-30	2.28
2009-03-31	3.18
2008-12-31	3.31
2008-09-30	2.49
2008-06-30	2.33
2008-03-31	2.77
2007-12-31	3.04
2007-09-30	1.66
2007-06-30	1.98
2007-03-31	1.69
2006-12-31	1.28
2006-09-30	1.89
2006-06-30	1.09
2006-03-31	2.20
2005-12-31	1.45
2005-09-30	1.82
2005-06-30	3.06
2005-03-31	2.33
2004-12-31	3.15
2004-09-30	3.54
2004-06-30	3.38
2004-03-31	2.99
2003-12-31	3.30
2003-09-30	3.32
2003-06-30	3.96
2003-03-31	4.02
2002-12-31	3.68
2002-09-30	3.05

DATE

DEBT TO EQUITY RATIO

2026-06-30

0.23

2026-03-31

0.24

2025-12-31

0.26

2025-09-30

0.25

2025-06-30

0.53

2025-03-31

0.41

2024-12-31

0.46

2024-09-30

0.51

2024-06-30

0.74

2024-03-31

0.51

2023-12-31

0.74

2023-09-30

0.73

2023-06-30

0.72

2023-03-31

0.98

2022-12-31

0.70

2022-09-30

0.91

2022-06-30

1.19

2022-03-31

0.76

2021-12-31

0.97

2021-09-30

0.99

2021-06-30

0.94

2021-03-31

1.01

2020-12-31

1.22

2020-09-30

1.18

2020-06-30

1.20

2020-03-31

1.99

2019-12-31

1.05

2019-09-30

1.10

2019-06-30

1.50

2019-03-31

1.90

2018-12-31

1.97

2018-09-30

1.68

2018-06-30

2.10

2018-03-31

1.42

2017-12-31

1.62

2017-09-30

1.38

2017-06-30

1.69

2017-03-31

0.99

2016-12-31

1.25

2016-09-30

1.24

2016-06-30

1.49

2016-03-31

1.27

2015-12-31

1.25

2015-09-30

1.10

2015-06-30

1.23

2015-03-31

1.00

2014-12-31

1.07

2014-09-30

0.87

2014-06-30

1.11

2014-03-31

0.88

2013-12-31

1.14

2013-09-30

0.63

2013-06-30

1.80

2013-03-31

1.15

2012-12-31

2.60

2012-09-30

2.80

2012-06-30

2.53

2012-03-31

2.74

2011-12-31

5.21

2011-09-30

2.47

2011-06-30

1.20

2011-03-31

0.45

2010-12-31

0.78

2010-09-30

0.52

2010-06-30

0.73

2010-03-31

1.13

2009-12-31

2.22

2009-09-30

1.67

2009-06-30

2.28

2009-03-31

3.18

2008-12-31

3.31

2008-09-30

2.49

2008-06-30

2.33

2008-03-31

2.77

2007-12-31

3.04

2007-09-30

1.66

2007-06-30

1.98

2007-03-31

1.69

2006-12-31

1.28

2006-09-30

1.89

2006-06-30

1.09

2006-03-31

2.20

2005-12-31

1.45

2005-09-30

1.82

2005-06-30

3.06

2005-03-31

2.33

2004-12-31

3.15

2004-09-30

3.54

2004-06-30

3.38

2004-03-31

2.99

2003-12-31

3.30

2003-09-30

3.32

2003-06-30

3.96

2003-03-31

4.02

2002-12-31

3.68

2002-09-30

3.05

Debt to Equity Ratio: 0.23

TCBI Debt to Equity Ratio

TCBI Average Debt to Equity Ratio Chart

TCBI Current vs Average Debt to Equity Ratio Chart

TCBI Debt to Equity Ratio Metrics

TCBI Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

TCBI Debt to Equity Ratio History

Related Metrics