a1q2025_earningsxpresent

2 Forward-Looking Statements This communication contains “forward-looking statements” within the meaning of and pursuant to the Private Securities Litigation Reform Act of 1995 regarding, among other things, TCBI’s financial condition, results of operations, business plans and future performance. These statements are not historical in nature and 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, trends, guidance, expectations and future plans. Because forward-looking statements relate to future results and occurrences, they are subject to inherent and various uncertainties, risks, and changes in circumstances that are difficult to predict, may 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. Numerous risks and other factors, many of which are beyond management’s control, could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. While there can be no assurance that any list of risks is complete, important risks and other factors that could cause actual results to differ materially from those contemplated by forward- looking statements include, but are not limited to: economic or business conditions in Texas, the United States or globally that impact TCBI or its customers; negative credit quality developments arising from the foregoing or other factors, including recent trade policies and their impact on our customers; TCBI’s ability to effectively manage its liquidity and maintain adequate regulatory capital to support its businesses; TCBI’s ability to pursue and execute upon growth plans, whether as a function of capital, liquidity or other limitations; TCBI’s ability to successfully execute its business strategy, including its strategic plan and developing and executing new lines of business and new products and services and potential strategic acquisitions; the extensive regulations to which TCBI is subject and its ability to comply with applicable governmental regulations, including legislative and regulatory changes; TCBI’s ability to effectively manage information technology systems, including third party vendors, cyber or data privacy incidents or other failures, disruptions or security breaches; TCBI’s ability to use technology to provide products and services to its customers; risks related to the development and use of artificial intelligence; changes in interest rates, including the impact of interest rates on TCBI’s securities portfolio and funding costs, as well as related balance sheet implications stemming from the fair value of our assets and liabilities; the effectiveness of TCBI’s risk management processes strategies and monitoring; fluctuations in commercial and residential real estate values, especially as they relate to the value of collateral supporting TCBI’s loans; the failure to identify, attract and retain key personnel and other employees; adverse developments in the banking industry 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; negative press and social media attention with respect to the banking industry or TCBI, in particular; claims, litigation or regulatory investigations and actions that TCBI may become subject to; severe weather, natural disasters, climate change, acts of war, terrorism, global conflict (including those already reported by the media, as well as others that may arise), or other external events, as well as related legislative and regulatory initiatives; and the risks and factors more fully described in TCBI’s most recent Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and other documents and filings with the SEC. The information contained in this communication speaks only as of its date. Except to the extent required by applicable law or regulation, we disclaim any obligation to update such factors or to publicly announce the results of any revisions to any of the forward-looking statements included herein to reflect future events or developments.

3 Foundational Tenants of Value Creation in Place Financial Priorities Described 9/1/2021 Building Tangible Book Value // Reinvesting organically generated capital to improve client relevance and create a more valuable franchise Investment // Re-aligning the expense base to directly support the business and investing aggressively to take advantage of market opportunities that we are uniquely positioned to serve Revenue Growth // Growing top- line revenue as a result of expanded banking capabilities for best-in-class clients in our Texas and national markets Flagship Results Proactive, disciplined engagement with the best clients in our markets to provide the talent, products, and offerings they need through their entire life-cycles Structurally higher, more sustainable earnings driving greater performance and lower annual variability Consistent communication, enhanced accountability, and a bias for action ensure execution and delivery Commitment to financial resilience allowing us to serve clients, access markets, and support communities through all cycles Higher quality earnings and a lower cost of capital drive a significant expansion in incremental shareholder returns

4 Targets Estab. in ’21 Where We StartedTargets Estab. in ’21 Where We Started Q4 2025 Q3 2025 Q2 2025 Q1 2025 FY 2024 FY 2020Performance Metrics YTD 2025 FY 2024 FY 2023 FY 2022 FY 2021 FY 2020Income Statement >1.10%0.61%0.25%0.18%Return on Average Assets~10%8.0%13.6%8.0%2.9%2.7%2.2% Investment Banking and Trading Income (% of Total Revenue) >12.5%5.6% 2.0% 2.1%Return on Average Tangible Common Equity3~5%3.8%3.8%2.8%2.4%2.5%1.4%Treasury Product Fees1 (% of Total Revenue) >1.10%0.61%0.74%0.33%Adj. Return on Average Assets415%–20% 15.8%3.3%15.0%28.5%15.2%19.3%Non-Interest Income (% of Total Revenue) >12.5%5.6%7.1%4.2%Adj. Return on Average Tangible Common Equity315%–20%15.8%18.9%15.0%10.3%13.4%11.2%Adj. Non-Interest Income2 (% of Adj. Total Revenue2) >10%11.6%11.4%9.4%CET1Balance Sheet >20%29%28%30%30%38%29%Average Cash & Securities (% of Total Average Assets) <15%6%7%7%16%27%36%Average Indexed Deposits (% of Total Deposits) 2021 Strategic Performance Drivers Treasury Solutions Private Wealth Investment Banking YoY GrowthQ1 ‘25Q4 ‘24Q3 ‘24Q2 ‘24Q1 ‘24Financial Performance (4%)$3.8 $4.0$4.1$4.0$4.0Assets Under Management5 ($bn) 22%$10.6 $9.5 $9.1 $8.5 $8.7 Treasury Product Fees1 ($mm) 11%$4.0 $4.0 $4.0 $3.7 $3.6 Wealth Management & Trust Fee Income ($mm) (3%)$22.4 $32.2 $40.5 $30.7 $23.1 Investment Banking & Trading Income ($mm) 4%$37.0 $45.7 $53.7 $42.9 $35.4 Income from Areas of Focus ($mm)  Third consecutive quarter of record fees, surpassing $10mm for the first time; continued quarterly YoY growth of 22%  Sustained success winning core operating accounts; non- interest bearing, excl. mortgage finance deposits up 7% QoQ  Q1 results impacted by heightened market uncertainty; significant and growing pipelines across offerings  Recent talent buildout focused on Equity Research, Sales and Trading and Investment Banking Coverage  Enhanced platform resulting in improved product penetration, including cash management  Stable fees despite market volatility; expect accelerated client adoption through the year

5 Financial Performance // Income Statement Adjusted (Non-GAAP4) Adjusted (Non-GAAP4)Financial Highlights ($mm) Q1 2025Q4 2024Q1 2024Q1 202420242024 236.0 229.6 215.0 215.0 901.3 901.3 Net Interest Income 44.4 54.1 41.3 41.3 210.6 31.0 Non-Interest Revenue 280.5 283.7 256.3 256.3 1,111.9 932.3 Total Revenue 203.0 172.2 192.4 202.4 742.5 758.3 Non-Interest Expense 77.5 111.5 64.0 53.9 369.4 174.1 PPNR6 17.0 18.0 19.0 19.0 67.0 67.0 Provision for Credit Losses 13.4 22.5 11.1 8.8 76.8 29.6 Income Tax Expense 47.0 71.0 33.9 26.1 225.6 77.5 Net Income 4.3 4.3 4.3 4.3 17.3 17.3 Preferred Stock Dividends 42.7 66.7 29.6 21.8 208.3 60.3 Net Income to Common Performance Metrics 0.61% 0.88% 0.47% 0.36% 0.74% 0.25% Return on Average Assets 1.01% 1.38% 0.88% 0.74% 1.21% 0.57% PPNR6 / Average Assets 72.4% 60.7% 75.1% 79.0% 66.8% 81.3% Efficiency Ratio7 5.6% 8.5% 4.1% 3.0% 7.0% 2.0% Return on Average Common Equity $0.92 $1.43 $0.62 $0.46 $4.43 $1.28 Earnings Per Share Q1 2024Non-GAAP4 Adjustments ($mm) 202.4Non-Interest Expense (3.0)FDIC Special Assessment (2.0)Restructuring Expenses (5.0)Legal Settlement 192.4Non-Interest Expense, Adj. 2024Non-GAAP4 Adjustments ($mm) 31.0Non-Interest Income 179.6Loss on AFS Securities Sale 210.6Non-Interest Income, Adj. 758.3Non-Interest Expense (2.8)FDIC Special Assessment (7.9)Restructuring Expenses (5.0)Legal Settlement 742.5Non-Interest Expense, Adj.

6 Balance Sheet Highlights ($mm) Ending Balances YoYQoQQ1 2025Q4 2024Q1 2024 Assets 15% 19% 3,802 3,189 3,316 Cash and Equivalents 3% 3% 4,531 4,396 4,414 Total Securities 10% 2% 11,404 11,146 10,383 Commercial Loans 0% 4% 5,824 5,616 5,822 CRE Loans (5%)(8%)521 565 550 Consumer Loans 14% (9%)4,726 5,216 4,153 Mortgage Finance Loans 7% (0%)22,475 22,543 20,909 Gross LHI 5% 2% (278)(272)(264)Allowance for Credit Losses on Loans 8% 2% 31,376 30,732 29,181 Total Assets Financial Performance // Quarterly Balance Sheet Highlights Performance Metrics 27% 25% 26% Cash & Securities % of Assets 51% 49% 50% Commercial Loans % of Gross LHI (332)(325)(305)Total Allowance for Credit Losses ($mm) 1.48% 1.45% 1.46% Total ACL / Total LHI YoYQoQQ1 2025Q4 2024Q1 2024 Liabilities (7%)5% 7,875 7,485 8,478 Non-Interest Bearing Deposits 17% 2% 18,178 17,753 15,476 Interest Bearing Deposits 9% 3% 26,053 25,239 23,954 Total Deposits 0% (15%)750 885 750 FHLB Borrowings 7% 2% 27,946 27,364 26,010 Total Liabilities Equity 0% 0% 3,266 3,251 3,251 Common Equity, Excl. AOCI (64%)(26%)(136)(183)(380)AOCI 8% 2% 3,430 3,368 3,171 Total Shareholder’s Equity (2%)(0%)46,024,933 46,233,812 46,986,275 Common Shares Outstanding 86% 89% 87% Total LHI % of Deposits 30% 30% 35% Non-Interest Bearing % of Deposits $68.00 $66.36 $61.10 Book Value Per Share $67.97 $66.32 $61.06 Tangible Book Value Per Share8

7 $4.4 $4.7 $3.9 $3.5 $4.4 $5.2 $5.4 $4.0 $5.1 $4.4 $4.0 $4.2 $5.1 $5.5 $5.2 $4.7 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 $5.8 $5.7 $5.3 $5.6 $5.8 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 $10.4 $10.5 $11.0 $11.1 $11.4 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025  Total LHI excl. mortgage finance increased $977mm or 6% YoY  Ending period commercial loans increased $259mm or 2% QoQ  Growth driven by sustained new client acquisition across the platform; average commercial loans increased $401mm, or 4% QoQ  Period end growth in commercial loans of 10% or $1.0bn YoY  Commercial real estate loans increased $208mm or 4% QoQ resulting from consistent market facing posture, and modestly slower payoffs  Multifamily comprises $2.5bn or 42% of CRE loans  Average mortgage finance loans declined 27% QoQ to $4.0bn as expected  Period end balances were 19% higher than average balances in Q1 as the industry enters a seasonally stronger mortgage origination period Loan Portfolio Composition Mortgage Finance Loans ($bn) Commercial Loans ($bn) Commercial Real Estate Loans ($bn) Average Period End

8 $3.4 $3.4 $3.5 $3.5 $3.4 $3.7 $5.2 $5.2 $6.0 $5.8 $4.5 $4.2 $14.4 $15.1 $15.8 $16.9 $17.4 $17.8 $0.8 $0.6 $0.5 $0.5 $0.5 $0.4 $23.8 $24.3 $25.7 $26.7 $25.7 $26.1 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q1 2025 2.97% 2.99% 2.94% 2.81% 2.76% 2.83% 2.83% 2.76% 2.61% 2.54% 4.67% 4.64% 4.64% 4.32% 3.97% Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q1 2025 EOP Deposit and Funding Composition  Total deposit balances increased $814mm or 3% QoQ  Total deposits excl. MF9 non-interest bearing deposits and brokered interest bearing deposits increased $3.3bn or 18% YoY  Non-interest bearing, excl. MF9 deposits increased $250mm or 7% QoQ to $3.7bn  The firm continues to increase core operating accounts through peer- leading cash management capabilities  Average MF9 non-interest bearing deposits declined to $4.5bn, representing 113% of average mortgage finances loans in Q1 2025 compared to 148% in Q1 of last year  The majority of MF9 non-interest bearing deposits are compensated through relationship pricing which results in application of an interest credit to either the client’s mortgage finance or commercial loan yield  Average cost of interest bearing deposits declined by 35bps to 3.97%  Cumulative beta of 67% since the beginning of the current easing cycle Average Deposit Trends ($bn) Period End Deposit Flows ($mm) Funding Costs QoQ Change %$Q1 ‘25Q4 ‘24Q1 ‘24 7% 250 3,716 3,466 3,340 Non-Interest Bearing, Excl. MF9 3% 140 4,159 4,019 5,138 MF9 Non-Interest Bearing 5% 389 7,875 7,485 8,478 Total Non-Interest Bearing 3% 564 17,782 17,219 14,874 Interest Bearing (26%)(139)396 535 602 Brokered Deposits 2% 425 18,178 17,753 15,476 Total Interest Bearing 3% $814 $26,053 $25,239 $23,954 Total Deposits Total Cost of Funds Avg Cost of Int. Bearing Deposits Avg Cost of Total Deposits Non-Interest Bearing, Excl. MF9 MF9 Non-Interest Bearing Interest Bearing Interest Bearing Brokered

9 (13.7%) (12.2%) (6.8%) (6.1%) 3.4% 3.8% 6.8% 7.4% (10.0%) (8.0%) (6.0%) (4.0%) (2.0%) 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% Q4 2024 Q1 2025 Net Interest Income Sensitivity Standard Model Assumptions10 100bp & 200bp Parallel Shocks  Loan Balances: Static  Deposit Balances: Static  Loan Spreads: Current Levels  Up Scenario Int. Bearing Deposit Beta: ~80%  Down Scenario Int. Bearing Deposit Beta: ~70%  Investment Portfolio: Ratio held constant Hedging Profile Net Interest Income Sensitivity – Static Balance Sheet ($mm) $989mm$922mmBase NII11 Earning Assets Profile (Average) Q1 2025Q4 2024 YieldBalance ($mm)YieldBalance ($mm) 4.44% $4,256 4.72% $4,473 Interest Bearing Cash and Equivalents 4.10% 4,464 3.79% 4,504 Securities 2.97% 0 --0 Loans Held for Sale 6.85% 17,527 6.82% 16,920 LHI Excl. Mortgage Finance LHI 3.93% 3,972 3.73% 5,410 Mortgage Finance LHI --(273)--(273)ACL on Loans 5.76% $29,946 5.59% $31,034 Earning Assets  94% of LHI excl. mortgage finance LHI are variable rate  $1.0bn of loans, or 6%, are fixed with 10% maturing or repricing in the next 12 months  Duration of the securities portfolio is ~4 years with Q1 cash flows of $115mm  $199mm of AFS securities purchased in Q1 with an average rate of 5.4%  Added $300mm of 2 year forward starting receive fixed swaps with a weighted average receive rate of 3.88% against 1- month SOFR beginning in 3Q Impacts of Mortgage Finance  Mortgage finance LHI represents 18% of the average total LHI portfolio with the majority tied to 1-month SOFR which declined 1bp in Q1  Given the current outlook and observed seasonality, the average mortgage finance self funding ratio is expected decline to below 100% in Q2  Firm’s overall net interest income sensitivity (per the chart above) is inclusive of mortgage finance NII impact on a flat balance sheet and does not account for changes in warehouse volumes in either a lower or higher rate environment $63 $32 ($63) ($126) $73 $38 ($60) ($121) Receive Rate Average Notional Balance ($bn) 3.60%2.6Q1 2025 3.43%2.4 Q2 2025 3.18%1.5 Q3 2025 3.57%0.7 Q4 2025 3.63%0.5 Q1 2026 3.88%0.3 Q2 2026 3.88%0.3 Q3 2026 3.88%0.3 Q4 2026 -200bps Shock -100bps Shock +200bps Shock -100bps Shock

10 $126.7 $118.8 $118.7 $97.9 $131.6 $65.7 $69.1 $71.3 $74.3 $71.4 $10.0 $0.5 $5.3 $202.4 $188.4 $195.3 $172.2 $203.0 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 $41.3 $50.4 ($114.8) $54.1 $44.4 $64.8 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 $215.0 $216.6 $240.1 $229.6 $236.0 3.03% 3.01% 3.16% 2.93% 3.19% Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 $229.6 $9.9 ($5.3) ($14.3) $2.1 $1.3 ($4.0) ($4.5) $18.6 $2.6 $236.0 Q4 2024 Loans Excl. MF Volume Loans Excl. MF Yield MF Loan Volume MF Yield Loan Fees Investment Securities & Cash Interest Bearing Deposits Volume Interest Bearing Deposit Cost Borrowings Q1 2025 32% 63% 63% 60% 57% Q1-2025 Earnings Overview Net Interest Margin ($mm)Net Interest Income ($mm) Non-Interest Income ($mm) Non-Interest Expense ($mm) 65%  Net interest income increased $6.4mm QoQ supported by LHI excl. MF9 growth and lower deposit costs that were partially offset by seasonal warehouse factors  Net interest margin expanded by 26bps from both higher loan yields and lower deposit costs  Quarterly non-interest expense increased $30.9mm to $203.0mm impacted by incentive accrual resets, new hires in fee income areas of focus, and seasonal payroll and compensation expenses  Approximately $14mm in Q1 compared to $11mm in Q1 of last year 9 9 9 9 35%43% % of Total Revenue, Adj.4 16% 19% 21% 19% 16% 5% 37% 0% 3% 37% Net Interest Income Net Interest Margin Salaries & Benefits Other NIE Non-Recurring Items4Non-Interest Income Non-Interest Income, Adj.4

11 0.35% 0.28% 0.28% 0.36% 0.30% 0.22% 0.23% 0.11% 0.22% 0.18% 4.13% 3.95% 4.03% 3.18% 3.41% Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 78% 80% 73% 79% 80% 21% 19% 26% 20% 20% 1% 1% 1% $275.0 $266.4 $317.9 $278.3 $278.7 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 50% 52% 75% 70% 71% 50% 48% 25% 30% 28% 1% $584.5 $593.3 $579.8 $435.6 $484.2 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 3.3x 2.9x 3.6x 1.46% 1.45% 1.48% 1.79% 1.87% 1.85% Q1 2024 Q4 2024 Q1 2025 Asset Quality Trends Allowance for Credit Loss Reserve Ratios Asset Quality Ratios Special Mention Composition ($mm) Substandard Composition ($mm) $9.8$12.1 $6.1 $12.0 $10.8 Net Charge-Offs ($mm) Total ACL / Non- accrual Loans HFI  ACL on Loans increased $6.7mm QoQ to $278.4mm  Total ACL, excl. MF9 increased $4.5mm to $326.8mm  Total ACL, excl. MF9 to LHI, excl. MF9 in the top 5 percent among Peers12 Total ACL to LHI ratio  $9.8mm of net charge-offs, 0.18% of average LHI, related to previously identified problem credits  Provision expense as a percentage of average LHI of 32bps  Provision expense as a percentage of average LHI excl. MF of 39bps  Criticized LHI declined $96.7mm or 11.2% YoY, with the percentage of total LHI declining 72bps to 3.41%  Modest $48.5mm linked quarter increase in special mention, total linked quarter criticized up 7%  Non-performing assets declined $17.6mm QoQ to 0.30% of total assets from paydowns and charge-offs Commercial Mortgage Finance Real Estate ConsumerCommercial Mortgage Finance Real Estate Consumer Total ACL / LHI Total ACL, Excl. MF9 / LHI Excl. MF9 Q1 2024 Q4 2024 Q1 2025 NPAs / Total Assets NCOs / Avg. LHI Criticized / LHI

12 Tangible Common Equity / Tangible Assets13 Common Equity / Total Assets 12.38% 11.62% 11.19% 11.38% 11.63% >11.00% 1.56% 1.47% 1.44% 1.44% 1.46% 2.70% 2.56% 2.54% 2.55% 2.51% 16.64% 15.65% 15.17% 15.37% 15.61% Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 2025 Target $61.06 $62.23 $66.06 $66.32 $67.97 $61.10 $62.26 $66.09 $66.36 $68.00 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 9.83% 9.63% 9.65% 9.98% 9.97% 9.84% 9.63% 9.66% 9.98% 9.98% Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 2025 YE Target Capital Position and Trends  Regulatory capital ratios remain strong  Total capital ratio of 15.61%, in the top quintile of the peer group12, and CET1 ratio of 11.63%  Tangible common equity / tangible assets13 ended the quarter at 9.97%, an important characteristic of our financially resilient business model and a key metric as we manage the balance sheet through- cycle  Tangible common equity / tangible assets13 in top quintile of peer group12  Tangible book value per share8 increased by $1.65 or 2% QoQ as a result of income generated and AOCI accretion  TBVPS8 of $67.97 is an all-time high for the Firm  Repurchased 396 thousand shares in Q1, 0.9% of year end 2024 shares outstanding, for a total of $31mm at a weighted average price of approximately 117% of prior month tangible book value per share  $169mm remaining on the 2025 authorization at the end of Q1 Regulatory Capital Levels Tangible Common Equity / Tangible Assets13 Period End AOCI ($mm) ($136)($183)($128)($368)($380) AOCI per Share ($2.96)($3.96)($2.77)($7.96)($8.09) Peer12 Tangible Common Equity / Tangible Assets13 8.10%8.01%7.63%7.63% CET1 Tier 1 Capital Tier 2 Capital Tangible Book Value per Share8 Book Value per Share Tangible Book Value per Share8

13 Full Year 2025 Guidance FY 2024 Adjusted (Non-GAAP4) Low double-digit % growth$1,111.9mmTotal Revenue, Adjusted4 High single-digit % growth$742.5mmNon-Interest Expense, Adjusted4 30bps - 35bps40bpsProvisions / Avg LHI, Excl. Mortgage Finance LHI >11%11.38%CET1 Ratio Full Year 2025 Guidance  Forward curve14 assumes 25bps cuts in both June and October with an exit rate of 4.0% at year end 2025  Tax rate expected to be ~25% for the full year in 2025  Achievement of a quarterly 1.10% ROAA in the second half of 2025 Guidance Commentary

14 1. Includes service charges on deposit accounts, as well as fees related to our commercial card program, merchant transactions, and FX transactions, all of which are included in other non-interest income and totaled $2.8mm for FY 2020, $4.0mm for FY 2021, $6.1mm for FY 2022, $9.4mm for FY 2023, $10.2mm for FY 2024, and $2.8mm for YTD 2025 and $2.4mm, $2.5mm, $2.8mm, $2.5mm, and $2.8 for Q1 2024, Q2 2024, Q3 2024, Q4 2024, and Q1 2025 respectively 2. Non-GAAP Reconciliation // Adjusted Non-Interest Income and Total Revenue 3. See slide: Non-GAAP Reconciliation // Return on Average Tangible Common Equity (ROATCE) 4. See slide: Non-GAAP Reconciliation // Adjusted Earnings & Ratios 5. Assets Under Management includes non-discretionary brokerage assets that the Firm earns wealth management and trust fee income on 6. “PPNR” used as an abbreviation for Pre-Provision Net Revenue which is the sum of net interest income and non-interest income, less non-interest expense 7. Non-interest expense divided by the sum of net interest income and non-interest income 8. Stockholders’ equity excluding preferred stock, less goodwill and intangibles, divided by shares outstanding at period end 9. “MF” used as abbreviation for Mortgage Finance 10. Model assumptions are only for Q1 2025; See prior TCBI Earnings Materials for prior model assumptions 11. Baseline scenarios hold constant balances, market rates, and assumptions as of period end reporting 12. Major exchange traded US peer banks with $20-100bn in total assets, excluding PR headquartered banks and merger targets; Source: S&P Capital IQ Pro; peer data as of Q4 2024 13. Stockholders’ equity excluding preferred stock, less goodwill and intangibles, divided by total assets, less goodwill and intangibles 14. Forward curve as of March 4, 2025 2024 ($mm)2023 ($mm)2022 ($mm)2021 ($mm)2020 ($mm) Adjusted3As Reported Adjusted As Reported Adjusted2As Reported Adjusted1As Reported Adjusted1As Reported $901.3 $901.3 $914.1 $914.1 $875.8 $875.8 $767.6 $768.8 $821.1 $851.3 Net Interest Income 210.6 31.0 161.4 161.4 101.0 349.5 119.5 138.3 103.7 203.0 Non-Interest Income $1,111.9 $932.3 $1,075.5 $1,075.5 $976.8 $1,225.3 $887.1 $907.1 $924.8 $1,054.3 Total Revenue 18.9%3.3%15.0%15.0%10.3%28.5%13.4%15.2%11.2%19.3%Non-Interest Income % of Total Revenue 1) Adjusted to remove revenue contribution of exited Correspondent Lending Line of Business 2) Adjusted to remove non-recurring gain on sale of Insurance Premium Finance Loan Portfolio 3) Adjusted to remove non-recurring loss on sale of AFS securities Appendix // Footnotes

15 2025 ($mm)2024 ($mm)2023 ($mm)2022 ($mm)2021 ($mm)2020 ($mm) Adjusted1As Reported Adjusted1As Reported Adjusted1As Reported Adjusted1As Reported Adjusted1As Reported Adjusted1As Reported $42.7 $42.7 $208.3 $60.3 $187.1$171.9$159.5$315.2$244.5$235.2$112.6$56.5Net Income to Common $3,114.4 $3,114.4 $2,955.5 $2,955.5 $2,795.0$2,795.0$2,783.3$2,783.3$2,815.7$2,815.7$2,686.7$2,686.7Average Common Equity 1.5 1.5 1.5 1.5 1.51.514.514.517.417.417.917.9Less: Average Goodwill & Intangibles $3,112.9 $3,112.9 $2,954.0 $2,954.0 $2,793.5$2,793.5$2,768.8$2,768.8$2,798.3$2,798.3$2,668.8$2,668.8Average Tangible Common Equity 5.6%5.6%7.0%2.0%6.7%6.2%5.7%11.3%8.7%8.4%4.2%2.1%ROACE 5.6%5.6%7.1%2.0%6.7%6.2%5.8%11.4%8.7%8.4%4.2%2.1%ROATCE Non-GAAP Reconciliation // Return on Average Tangible Common Equity (ROATCE) ROATCE is a non-GAAP financial measure. ROATCE represents the measure of net income available to common shareholders as a percentage of average tangible common equity. ROATCE is used by management in assessing financial performance and use of equity. A reconcilement of ROATCE to the most directly comparable U.S. GAAP measure, ROACE, for all periods is presented below. (1) See slide Non-GAAP Reconciliation // Adjusted Earnings & Ratios

16 Non-GAAP Reconciliation // Adjusted Earnings & Ratios Adjusted line items are non-GAAP financial measures that management believes aids in the discussion of results. A reconcilement of these adjusted items to the most directly comparable U.S. GAAP measures for all periods is presented below. Periods not presented below did not have adjustments. FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 Q3 2024 Q2 2024Q1 2024($mm, Except per Share) $901.3 $914.1 $875.8 $768.8 $851.3 $240.1 $216.6 $215.0 Net Interest Income 31.0 161.4 349.5 138.3 203.0 (114.8)50.4 41.3 Non-Interest Revenue Adjustments for Non-Recurring Items: --(248.5)-----Gain on Sale of Insur. Prem. Finance 179.6 ----179.6--Loss on AFS Securities Sale 210.6 161.4 101.0 138.3 203.064.8 50.4 41.3 Non-Interest Revenue, Adjusted 758.3 756.9 727.5 599.0 704.4 195.3 188.4 202.4 Non-Interest Expense Adjustments: --(29.6)-(17.8)---Transaction Costs (7.9)-(9.8)(12.0)(54.0)(5.9)-(2.0)Restructuring Expense (5.0)------(5.0)Legal Settlement --(8.0)-----Charitable Contribution (2.8)(19.9)---0.7 (0.5)(3.0)FDIC Special Assessment 742.5 737.1 680.1 587.0 632.6 190.1 187.9 192.4 Non-Interest Expense, Adjusted 174.1 318.6 497.8 308.1 349.9 (70.0)78.6 53.9 PPNR6 369.4 338.5 296.6 320.1 421.7 114.9 79.1 64.0 PPNR6, Adjusted 67.0 72.0 66.0 (30.0)258.0 10.0 20.0 19.0 Provision for Credit Losses 29.6 57.5 99.3 84.1 25.7 (18.7)16.9 8.8 Income Tax Expenses 47.2 4.6 (45.4)2.7 15.6 44.9 0.1 2.3 Tax Impact of Adjustments Above 76.8 62.1 53.9 86.8 41.3 26.2 17.0 11.1 Income Tax Expenses, Adjusted 77.5 189.1 332.5 253.9 66.3 (61.3)41.7 26.1 Net Income 225.6 204.4 176.8 263.2 122.4 78.7 42.0 33.9 Net Income, Adjusted 17.3 17.3 17.3 18.7 9.8 4.3 4.3 4.3 Preferred Stock Dividends 60.3 171.9 315.2 235.2 56.5 (65.6)37.4 21.8 Net Income to Common 208.3 187.1 159.5 244.5 112.6 74.3 37.7 29.6 Net Income to Common, Adjusted $30,613.2 $29,537.3 $32,049.8 $38,140.3 $37,516.2 $31,215.2 $29,750.9 $29,250.5 Average Assets 0.25% 0.64%1.04%0.67%0.18%(0.78%)0.56% 0.36% Return on Average Assets 0.74% 0.69%0.55%0.69%0.33%1.00% 0.57% 0.47% Return on Average Assets, Adjusted 0.57% 1.08%1.55%0.81%0.93%(0.89%)1.06% 0.74% PPNR6 / Average Assets 1.21% 1.15%0.93%0.84%1.12%1.46% 1.07% 0.88% PPNR6, Adjusted / Average Assets $2,955.5 $2,795.0 $2,783.3 $2,815.7 $2,686.7 $2,945.2 $2,857.7 $2,896.3 Average Common Equity 2.04% 6.15%11.33%8.35%2.10%(8.87%)5.26% 3.03% Return on Average Common Equity 7.05% 6.70%5.73%8.68%4.19%10.04% 5.31% 4.11% Return on Average Common Equity, Adjusted 46,989,204 48,610,206 51,046,742 51,140,974 50,582,979 46,608,742 46,872,498 47,711,192 Diluted Common Shares $1.28 $3.54 $6.18 $4.60 $1.12 ($1.41)$0.80 $0.46 Earnings per Share $4.43 $3.85 $3.13 $4.78 $2.23 $1.59 $0.80 $0.62 Earnings per Share, Adjusted