Texas Capital Bancshares Inc was incorporated in November 1996 in Delaware. The Bank is a registered bank holding Company and a financial holding Company and is the parent of Texas Capital Bank, National Association. The Company offers personalized financial services to businesses and individual clients. It has service locations in Austin, Dallas, Fort Worth, Houston and San Antonio. The Company targets its lending to middle market businesses and successful professionals and entrepreneurs that meet its credit standards. The credit standards are set by the Banks standing Credit Policy Committee with the assistance of Bank's Chief Credit and Risk Officer. It offers deposit products to its customers at competitive interest rates. The deposit products include commercial checking accounts, lockbox accounts, cash concentration accounts, and other treasury management services, including an on-line system. The treasury management on-line system offers information services, wire transfer initiation, ACH initiation, account transfer, and service integration. The consumer deposit products include checking accounts, savings accounts, money market accounts and certificates of deposit. The Company's wealth management and trust service include investment management, personal trust and estate services, custodial services, retirement accounts and related services. The Company also offers retirement products such as individual retirement accounts and administrative services for retirement vehicles such as pension and profit sharing plans. The Company offers products and services to its business customers like commercial loans for general corporate purposes including financing for working capital, internal growth, acquisitions and financing for business insurance premiums; real estate term and construction loans; mortgage finance lending; equipment leasing; treasury management services; wealth management and trust services; and letters of credit. For individual customers the company provides complete banking services including personal wealth management and trust services; certificates of deposit; interest bearing and non-interest bearing checking accounts with optional features such as Visa debit/ATM cards and overdraft protection; traditional money market and savings accounts; loans, both secured and unsecured; and internet banking. The Company competes with providers of financial services, such as savings and loan associations, credit unions, consumer finance companies, securities firms, insurance companies, commercial finance and leasing companies, full service brokerage firms and discount brokerage firms. The Company's operations are subject to federal banking laws and regulations that impose specific requirements on and provide regulatory oversight of virtually all aspects of its operations.