TEXAS CAPITAL BANCSHARES INCTX

Certain statements and financial analysis contained in this report that are not historical facts may constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on beliefs, assumptions and expectations of future performance taking into account all information available to us at the time such statements are made. Forward-looking statements may often be identified by the use of words such as “believes,” “projects,” “expects,” “may,” “estimates,” “should,” “plans,” “targets,” “intends,” “could,” “would,” “anticipates,” “potential,” “confident,” “optimistic” or the negative thereof, or other variations thereon, or comparable terminology, or by discussions of strategy, objectives, estimates, guidance, expectations and future plans.

Forward-looking statements may include, among other things and without limitation, statements about the credit quality of loan portfolio, liquidity, general economic conditions in the United States and in the Company’s markets, including with respect to interest rates and the market generally, the material risks and uncertainties for the U.S. and world economies, and for the business, expectations regarding rates of default and loan losses, volatility in the mortgage industry, business strategies (including new lines of business, products and services) and expectations about future financial performance, future growth and earnings, the appropriateness of the allowance for credit losses and provision for credit losses, the impact of changing regulatory requirements and legislative changes on the business, increased competition, and technologies (including new technologies and information security risks).

Forward-looking statements are subject to various risks and uncertainties, which change over time, are based on management’s expectations and assumptions at the time the statements are made and are not guarantees of future results. Important factors that could cause actual results to differ materially from those expressed or implied by such forward-looking statements include, but are not limited to, the following:

•Deterioration of the credit quality of the loan portfolio or declines in the value of collateral due to external factors or otherwise.

•The ability to effectively manage credit risks.

•Economic or business conditions in Texas, the United States or globally that impact the Company or its customers.

•The ability to effectively manage liquidity risk.

•Increased or expanded competition from banks and other financial service providers in Company markets.

•The ability to successfully execute its business strategy, including developing and executing new lines of business and new products and services.

•The ability to pursue and execute upon growth plans, whether as a function of capital, liquidity or other limitations.

•The failure to identify, attract and retain key personnel and other employees.

•The extensive regulations to which the Company and the Bank are subject and the Company and the Bank’s ability to comply with applicable governmental regulations, including legislative and regulatory changes that may impose further restrictions and costs on the business, any regulatory enforcement actions that may be brought against us and the effect of changes in laws, regulations, policies and guidelines (including, among others, those concerning taxes, banking, accounting, securities and monetary and fiscal policies) with which the Company must generally comply.

•The ability to effectively manage the information technology systems, including third party vendors, cyber or data privacy incidents or other failures, disruptions or security breaches, and risk related to the development and use of artificial intelligence (“AI”).

•The ability to develop and use technologies to provide products and services that will satisfy customer demands.

•Changes in interest rates, including the impact of interest rates on the Company’s securities portfolio and funding costs, as well as related balance sheet implications stemming from the fair value of the Company’s assets and liabilities.

•Changes in market risk associated primarily with the Company’s sales and trading activities.

•Material failures of accounting estimates and risk management processes based on management judgment, or the supporting assumptions or models.

•The ability to effectively manage interest rate risk.

•The effectiveness of the Company’s risk management processes strategies and monitoring.

•Negative press and social media attention with respect to the banking industry or the Company, in particular.

•Adverse developments in the banking industry highlighted by high-profile bank failures and the potential impact of such developments on customer confidence, liquidity and regulatory responses to these developments, including in the context of regulatory examinations and related findings and actions.

•Fluctuations in commercial and residential real estate values, especially as they relate to the value of collateral supporting the Company’s loans.

•Claims and litigation that may arise in the ordinary course of business, including those that may not be covered by insurers.

•The susceptibility of fraud on the business.

•The failure to maintain adequate regulatory capital to support the business.

•Environmental liability associated with properties related to lending activities.

•Severe weather, natural disasters, climate change, acts of war or terrorism, global conflict (including those already reported by the media, as well as others that may arise) or other external events.

•Risks relating to securities, including the volatility of stock price, rights of holders of the indebtedness and preferred stock and other related factors.

•Other factors and other information in this Report and in other reports and filings that we make with the U.S. Securities and Exchange Commission (“SEC”), including, without limitation, those found in “Part 1 – Item 1A. Risk Factors” of this Report.

Actual outcomes and results may differ materially from what is expressed in the Company’s forward-looking statements and from its historical financial results due to the factors discussed elsewhere in this report or disclosed in the Company’s other SEC filings. Forward-looking statements included herein speak only as of the date hereof and should not be relied upon as representing the Company’s expectations or beliefs as of any date subsequent to the date of this report. Except as required by law, the Company undertakes no obligation to revise any forward-looking statements contained in this report, whether as a result of new information, future events or otherwise. The factors discussed herein are not intended to be a complete summary of all risks and uncertainties that may affect the Company’s businesses. Though management strives to monitor and mitigate risk, the Company cannot anticipate all potential economic, operational and financial developments that may adversely impact its operations and the financial results. Forward-looking statements should not be viewed as predictions and should not be the primary basis upon which investors evaluate an investment in the Company’s securities.