# Texas Capital

> Texas Capital is a Dallas-based financial services brand spanning commercial and consumer banking, treasury and payments, private banking, investment banking and funds management. Its customers include growing businesses, corporations, financial institutions, entrepreneurs and individuals across the United States. Since 2021, it has expanded beyond a lending-led model by adding bankers, technology and fee-generating services.

- **Founded:** 1998
- **Headquarters:** Dallas, United States
- **Founders:** Jody Grant (Co-founder; founding chairman and CEO), George Jones (Co-founder; former CEO), Keith Cargill (Co-founder; founding chief lending officer)
- **Products:** Commercial and corporate banking, Treasury Solutions, Initio, Texas Capital Securities, Private banking and wealth management
- **Notable:** Began Texas Capital banking operations in December 1998 with approximately $80 million of initial equity capital., Went public in 2003., Launched investment banking platform in 2022 and first Texas equity ETF in 2023.

## Products & services

- **Commercial and corporate banking** — Business loans, lines of credit, asset-based and equipment finance, real estate financing and industry-specialist coverage.
- **Treasury Solutions** — Payments, receivables, liquidity, commercial cards, fraud controls, merchant services and digital banking.
- **Initio** — Proprietary commercial checking account-opening software; the company says it cuts onboarding from weeks to days.
- **Texas Capital Securities** — Capital markets, syndicated finance, M&A advice, hedging, institutional sales and trading, public finance and equity research; platform launched in 2022.
- **Private banking and wealth management** — Banking, investment advice and wealth planning for individuals and families through the relevant bank and advisory entities.
- **Consumer banking** — Checking, savings, money market accounts and certificates of deposit; Bask Bank is another consumer-facing bank brand.
- **Texas Capital Texas Equity Index ETF (TXS)** — ETF launched in July 2023 to track an index of Texas-headquartered public companies. The fund page lists a 0.49% expense ratio as reviewed in October 2026.
- **Instant Payments** — Business payments using both FedNow and the RTP network.

## Achievements

- Began Texas Capital banking operations in December 1998 with approximately $80 million of initial equity capital.
- Went public in 2003.
- Launched investment banking platform in 2022 and first Texas equity ETF in 2023.
- Reported Q3 2025 core ROAA of 1.30%, exceeding its 1.10% transformation target; core ROAA is an adjusted measure.
- Reported record net interest income of $275.0 million and fee income up 14% year over year in Q3 2026.

## Latest updates

- **2026-10** — Q3 results announced October 21: $99.4 million net income available to common stockholders, $275.0 million net interest income and $356.6 million total revenue net of interest expense.
- **2025-12** — Rob Holmes appeared on CNBC’s Mad Money to discuss Texas and the company’s turnaround.
- **2025-10** — Management declared completion of its 2021 transformation goals, reporting core ROAA of 1.30% for Q3 2025.
- **2025-05** — Expanded investment banking coverage, equity sales and trading, equity research and corporate access.

## Links

- Website: https://texascapitalbank.com/
- LinkedIn: https://www.linkedin.com/company/texas-capital/
- Twitter/X: https://twitter.com/txcapitalbank
- YouTube: https://www.youtube.com/@texascapital
- Instagram: https://www.instagram.com/texas_capital_bank/
- Facebook: https://www.facebook.com/texascapitalbank

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Profile page: https://yespress.io/texas-capital
Published by YesPress — https://yespress.io
Last updated: 2026-10-23