Texas Capital Bancshares, Inc. 5.75% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series B (TCBIO)

Overview

Texas Capital Bancshares, Inc. serves as the parent holding company for Texas Capital Bank, a leading financial services firm that offers a wide range of tailored solutions designed to meet the needs of businesses, entrepreneurs, and individual clients. Established in 1996 and headquartered in Dallas, Texas, the company boasts a significant presence in the Texas region, particularly in major metropolitan areas like Austin, Dallas, Fort Worth, Houston, and San Antonio. With a focus on delivering personal and adaptable services, Texas Capital Bancshares, Inc. has become a pivotal entity in the financial landscape of Texas, providing a comprehensive suite of banking and financial services.

Products and Services

The company's offerings are diverse, addressing the needs of its clients through various financial products and services:

• Commercial Banking: Addresses the banking needs of businesses with services such as deposit accounts, commercial cards, SBA and business loans, and merchant services.
• Consumer Banking: Offers personal banking solutions including checking and savings accounts, debit and credit cards, and certificates of deposit.
• Investment Banking Solutions: Includes capital markets, mergers and acquisitions, syndicated finance, financial sponsor coverage, capital solutions, and institutional services, catering to more complex financial needs.
• Wealth Management Services: Offers investment management, financial planning, lockbox and insurance, securities-based lending, estate planning, and business succession. It also includes philanthropic services, trustee and executor services, custom credit, and depository services for high-net-worth individuals.
• Liquidity and Investments: Provides options for managing liquidity and making investments, working capital assistance, international trade and payment solutions, and various treasury and credit products.
• Commercial Real Estate Services: Offers financing solutions for commercial real estate, including term and construction loans, and mortgage finance services for homebuilders and community developments.
• Mortgage Warehouse Lending: Provides specialized financing services for mortgage lenders including lines of credit.
• Treasury Management: Delivers services designed to improve cash flow, manage liquidity, and streamline payment processes for businesses.
• Payables and Receivables Management: Offers solutions for managing payables and receivables more efficiently, including online and mobile banking.
• Equipment Finance and Lease: Provides financing options for acquiring equipment, including term loans and lines of credit.
• Acquisition Finance: Offers lending services tailored for business expansion and acquisition.
• Asset-based Lending: Lends based on a company’s assets, providing another avenue for businesses to secure funding.
• Private Wealth Advisory Solutions: A suite of services for wealth management, including advisory services tailored to private clients.
• Term Loans and Lines of Credit: Offers flexible financing options for businesses, including both short-term and long-term funding solutions.
• Term and Construction Loans: Provides financing for real estate development projects, supporting growth and development initiatives.
• Mortgage Warehouse Lending Services: Offers specialized financing solutions for mortgage lending operations.
• Treasury Management, Trust, and Advisory and Escrow Services: Provides comprehensive treasury management, trust services, advisory, and escrow management services for businesses and individuals.
• Letters of Credit: Offers letters of credit to facilitate international trade and other business transactions.