Texas Capital Bancshares, Inc.: Update to credit analysis following ratings outlook change to stable from negative
Our credit view of Texas Capital, reflecting its profitability supported by good operational efficiency, constrained by its asset concentrations in CRE, energy, and leveraged loans.Texas Capital Bancshares is a bank holding company. Through its subsidiary, Texas Capital Bank, National Association, the company serves commercial businesses and professionals and entrepreneurs located in Texas as well as operates several lines of business serving a regional or national clientele of commercial borrowers. The company is a lender, with most of its loans held for investment, excluding mortgage finance loans and other national lines of business, being made to businesses headquartered or with operations in Texas. The company's business deposit products include commercial checking accounts, lockbox accounts, cash concentration accounts and other treasury management services, including online banking.
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