- Business
- Texas Capital Bancshares, Inc. is a financial holding company that operates primarily through its wholly owned bank subsidiary, Texas Capital Bank, providing customized commercial banking, investment banking, wealth management, and treasury solutions to middle-market businesses, corporations, institutions, entrepreneurs, and high-net-worth individuals. Founded in 1998 and headquartered in Dallas, Texas, the company delivers financial products and services through specialized operating divisions and subsidiaries, including Texas Capital Securities (TCBI Securities, Inc.), Texas Capital Bank Wealth Management Services, Inc., and its nationwide digital direct banking platform, Bask Bank.
The company organizes its principal offerings into multiple core product and service categories: Commercial and Industrial Banking, which provides working capital financing, term loans, asset-based lending, equipment finance, syndicated credit facilities, and specialized industry financing across healthcare, technology, real estate, and energy sectors; Mortgage Finance, offering warehouse lines of credit, liquidity facilities, and specialized operational solutions for mortgage originators; Treasury and Payment Solutions, encompassing automated clearing house (ACH) processing, wire transfers, commercial deposit accounts, lockbox services, liquidity management, fraud mitigation tools, corporate credit card programs, and merchant acquiring services; Investment Banking and Capital Markets, delivering debt and equity underwriting, mergers and acquisitions (M&A) advisory, municipal bond public finance, direct lending, institutional sales and trading, energy equity research, and syndicated finance; Wealth Management and Private Banking, delivering discretionary investment management, fiduciary trust administration, estate and financial planning, philanthropic advisory, and bespoke private credit solutions for affluent families and executives; and Consumer and Digital Banking, offering personal checking, high-yield savings accounts, certificates of deposit, and mileage-rewards deposit programs through Bask Bank.
Geographically, Texas Capital Bancshares operates banking centers and corporate offices across major metropolitan markets in Texas—including Dallas, Fort Worth, Austin, Houston, and San Antonio—supported by national corporate banking and capital markets offices located in New York City, Los Angeles, and Chicago.
In recent developments, Texas Capital Bancshares has advanced a multi-year strategic transformation to expand beyond traditional commercial lending into a diversified, full-service financial platform. Recent major initiatives include transferring its primary common stock listing to the Texas Stock Exchange (TXSE), listing its proprietary Texas-focused exchange-traded funds—including the Texas Capital Texas Equity Index ETF and the Texas Capital Texas Oil Index ETF—on the TXSE, launching a dedicated Direct Lending platform to provide non-bank senior debt to middle-market companies, establishing a specialized Public Finance underwriting team, expanding institutional equity research capabilities, and establishing new physical office hubs in New York, Chicago, and Los Angeles to support national institutional and corporate client growth.