Investor Presentaiton

Executing on Texas Capital's Strategic Transformation Priorities Strategic Rationale Transaction Overview Expected Financial Impact of Transaction Building the Flagship Full-Service Financial Services Firm in Texas ■ Continued strategic reallocation of capital, liquidity, funding and expenses to support the value accretive growth of our Texas focused offering ■Remixing of the balance sheet and business model supporting expanded front-line coverage and improved relevance through targeted products and services driving ancillary income and commercial operating deposits Texas Capital has entered into a definitive agreement to sell BankDirect Capital Finance, the insurance premium finance business, to AFCO Credit Corporation, an indirect wholly-owned subsidiary of Truist Financial Corp ■ All-cash transaction with estimated proceeds of $3.4 billion¹ representing an 8.5%² asset premium Sale includes all business operations including the associated loan portfolio of approximately $3.1 billion as of June 30, 2022 ■ Divestiture of 100% of the equity interests of BankDirect and the loan portfolio balance held by Texas Capital Bank for the account of BankDirect ■ Represents sale of business unit assets, with no parent deposits, funding or capital transferred ■ Expected to close in the fourth quarter of 2022, subject to various customary closing conditions Premium: Asset premium of 8.5%² ■ Capital & Book Value³: Robust increase in Texas Capital's capital levels and tangible book value from June 30, 2022 levels ■ Expected increases to key capital ratios, including a +199bps increase in Common Equity Tier 1 Ratio estimated ■ Expected accretion to Tangible Book Value per Share of +6.5% estimated ■ Funding & Liquidity: Enhancement of liquidity profile allowing for continued strategic funding reallocation ■ Pre-redeployment, Loans / Deposits ratio expected to decline and Liquidity Assets / Assets to improve Earnings Guidance: Given strong growth momentum in core business strategy, delivering year-over-year quarterly operating leverage is on track by year-end ★ Texas Capital Bancshares, Inc. 1. Subject to customary adjustments including for net asset value of the loan portfolio at time of closing 2. Represents estimated asset premium based on loan portfolio as of June 30, 2022. Asset premium is equal to the purchase price less the loan portfolio balance as of closing divided by the purchase price. Actual asset premium realized in transaction will adjust up or down based on size of loan portfolio divested at time of closing 3. Estimated book value and capital impacts shown based on illustrative time zero impacts inclusive of asset premium, estimated one-time expenses and reserve release associated with transaction; shown relative to June 30, 2022 reported financials for illustrative purposes and do not give effect for future redeployment actions 4. Based on gross impacts prior to capacity redeployment; shown relative to June 30, 2022 reported financials for illustrative purposes 3

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