HIGHBuilt-inRegulatory
Federal Reserve
“10-K Item 1: 'the Board of Governors of the Federal Reserve System assumed the role as the Bank's primary federal regulator, succeeding the Federal Deposit Insurance Corporation'”
TCBI · Concentration risk · 10-K extracted
Texas Capital Bancshares (TCBI) concentration risks
Updated
The most significant concentration Texas Capital Bancshares discloses is Federal Reserve, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Texas Capital Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM2
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
Texas
“10-K Item 1A: 'The Company's business is concentrated in Texas and exposure to the Texas economy, including the energy industry, could adversely affect its performance.'”
MEDIUMBuilt-inLoan_portfolio
commercial loans
“10-K Item 1A: 'A significant portion of the Company's assets consists of commercial loans, which may involve a higher degree of credit risk.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile is shaped by three structural exposures, none of which reflects reliance on a single customer or supplier. The most prominent is regulatory: the Federal Reserve assumed the role of the bank's primary federal regulator, a high-share oversight relationship that governs capital requirements, examination cycles, and permissible activities. Because regulatory frameworks apply across the industry rather than singling out one institution, this is a structural feature of operating as a bank holding company rather than an idiosyncratic vulnerability. The geographic tilt toward Texas compounds this picture. The company's business is concentrated in Texas and is therefore linked to that state's economic performance, including the energy industry — a medium-share exposure that is structural in character, reflecting where the deposit base, loan demand, and branch network are situated. Energy-sector cycles within Texas can amplify credit quality swings in ways that a more geographically diversified balance sheet would not face. The third disclosed exposure is the loan mix: a significant portion of assets consists of commercial loans, which carry inherently higher credit risk than consumer or government-backed portfolios. This is a medium-share, structural feature of the bank's business model. Taken together, these three exposures reinforce each other — a Texas-focused commercial lender under Federal Reserve supervision — creating a profile where regional economic and energy-sector conditions are the key variables to monitor.
For the engine’s reasoning on TCBI’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| TCBI● | Texas Capital Bancshares, Inc. | 1 | 2 | 0 | 3 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.