a3q2024_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; 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; 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; elevated or further 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; increased or expanded competition from banks and other financial service providers in TCBI’s markets; 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 Where We Are Going Where We Started Where We Are Going Where We Started 2025 YTD 2024 FY 2023 FY 2022 FY 2021 FY 2020Performance Metrics2025 YTD 2024 FY 2023 FY 2022 FY 2021 FY 2020Income Statement >1.10%0.03%0.64%1.04%0.67%0.18%Return on Average Assets~10%14.5%8.0%2.9%2.7%2.2% Investment Banking and Trading Income (% of Total Revenue) >12.5%(0.3%)6.2%11.4%8.4%2.1%Return on Average Tangible Common Equity3~5%4.0%2.8%2.4%2.5%1.4%Treasury Product Fees1 (% of Total Revenue) >1.10%0.69%0.69%0.55%0.69%0.33%Adj. Return on Average Assets415%–20% (3.6%)15.0%28.5%15.2%19.3%Non-Interest Income (% of Total Revenue) >12.5%6.5%6.7%5.8%8.7%4.2%Adj. Return on Average Tangible Common Equity315%–20%18.9%15.0%10.3%13.4%11.2%Adj. Non-Interest Income2 (% of Adj. Total Revenue2) >10%11.2%12.6%13.0%11.1%9.4%CET1Balance Sheet >20%28%30%30%38%29%Average Cash & Securities (% of Total Average Assets) <15%7%7%16%27%36%Average Indexed Deposits (% of Total Deposits) 2021 Strategic Performance Drivers Treasury Solutions Private Wealth Investment Banking  Treasury product fees reached record levels, up 7% QoQ, and 16% YoY, supported by broad product contributions  Continued growth in primary operating relationships; non-interest bearing deposits, excl MF9 increased $121 million or 4% QoQ  Investment Banking Fees achieved another record quarter driven by Capital Markets, Syndications, and Sales & Trading  After consecutive record quarters, expect modest pullback as pipeline rebuilds for a strong 2025 YoY GrowthQ3 ‘24Q2 ‘24Q1 ‘24Q4 ‘23Q3 ‘23Financial Performance 11%$4.1$4.0$4.0$3.8$3.7Assets Under Management5 ($bn) 16%$9.1 $8.5 $8.7 $7.8 $7.8 Treasury Product Fees1 ($mm) 15%$4.0 $3.7 $3.6 $3.3 $3.5 Wealth Management & Trust Fee Income ($mm) 39%$40.5 $30.7 $23.1 $10.7 $29.2 Investment Banking & Trading Income ($mm) 32%$53.7 $42.9 $35.4 $21.8 $40.5 Income from Areas of Focus ($mm)  Assets under management increased 11% YoY with wealth fees growing for the third consecutive quarter, up 15% YoY  Enhanced platform build is on track for completion this quarter and is expected to drive accelerated client adoption in ‘25

5 Financial Performance // Income Statement Adjusted (Non-GAAP4) Adjusted (Non-GAAP4) Adjusted (Non-GAAP4) Adjusted (Non-GAAP4)Financial Highlights ($mm) Q3 2024Q3 2024Q2 2024Q2 2024Q3 2023YTD 2024YTD 202420232023 $240.1 $240.1 $216.6 $216.6 $232.1 $671.7 $671.7 $914.1$914.1Net Interest Income 64.8 (114.8)50.4 50.4 46.9 156.6 (23.0)161.4161.4Non-Interest Revenue 304.9 125.3 267.0 267.0 278.9 828.2 648.7 1,075.51,075.5Total Revenue 190.1 195.3 187.9 188.4 179.9 570.4 586.1 737.1756.9Non-Interest Expense 114.9 (70.0)79.1 78.6 99.1 257.9 62.5 338.5318.6PPNR6 10.0 10.0 20.0 20.0 18.0 49.0 49.0 72.072.0Provision for Credit Losses 26.2 (18.7)17.0 16.9 19.4 54.3 7.1 62.157.5Income Tax Expense 78.7 (61.3)42.0 41.7 61.7 154.6 6.5 204.4189.1Net Income 4.3 4.3 4.3 4.3 4.3 12.9 12.9 17.317.3Preferred Stock Dividends 74.3 (65.6)37.7 37.4 57.4 141.6 (6.5)187.1171.9Net Income to Common Performance Metrics 1.00% (0.78%)0.57% 0.56% 0.81% 0.69% 0.03% 0.69%0.64%Return on Average Assets 1.46% (0.89%)1.07% 1.06% 1.31% 1.15% 0.28% 1.15%1.08%PPNR6 / Average Assets 62.3% 155.8% 70.4% 70.6% 64.5% 68.9% 90.4% 68.5%70.4%Efficiency Ratio7 10.0% (8.9%)5.3% 5.3% 8.1% 6.5% (0.3%)6.7%6.2%Return on Average Common Equity3 $1.59 ($1.41)$0.80 $0.80 $1.18 $3.01 ($0.14)$3.85$3.54Earnings Per Share Q3 2024Q2 2024Non-GAAP4 Adjustments ($mm) (114.8)50.4 Non-Interest Income 179.60.0Loss on AFS Securities Sale 64.8 50.4 Non-Interest Income, Adj. 195.3188.4Non-Interest Expense (0.7)0.5FDIC Special Assessment 5.90.0Restructuring Expenses 0.00.0Legal Settlement 190.1187.9 Non-Interest Expense, Adj. YTD 20242023Non-GAAP4 Adjustments ($mm) (23.0)161.4Non-Interest Income 179.60.0Loss on AFS Securities Sale 156.6 161.4Non-Interest Income, Adj. 586.1756.9Non-Interest Expense 2.819.9FDIC Special Assessment 7.90.0Restructuring Expenses 5.00.0Legal Settlement 570.4737.1Non-Interest Expense, Adj.

6 Balance Sheet Highlights ($mm) Ending Balances QoQQ3 2024Q2 2024Q3 2023 Assets 44% 4,192 2,913 4,193 Cash and Equivalents 0% 4,406 4,389 4,070 Total Securities 4% 10,968 10,534 10,366 Commercial Loans 9% 5,530 5,078 4,429 Mortgage Finance Loans (7%)5,315 5,689 5,359 CRE Loans 2% 569 558 537 Consumer Loans 2% 22,381 21,859 20,691 Gross LHI 2% (273)(267)(245)Allowance for Credit Losses on Loans 6% 31,629 29,855 29,628 Total Assets Financial Performance // Quarterly Balance Sheet Highlights Performance Metrics 27% 24% 28% Cash & Securities % of Assets 49% 48% 50% Commercial Loans % of Gross LHI (319)(313)(291)Total Allowance for Credit Losses ($mm) 1.43% 1.44% 1.41% Total ACL / Total LHI QoQQ3 2024Q2 2024Q3 2023 Liabilities 14% 9,071 7,988 9,353 Non-Interest Bearing Deposits 6% 16,794 15,831 14,526 Interest Bearing Deposits 9% 25,865 23,818 23,879 Total Deposits (38%)1,035 1,675 1,400 FHLB Borrowings 6% 28,275 26,679 26,551 Total Liabilities Equity (2%)3,182 3,243 3,284 Common Equity, Excl AOCI (65%)(128)(368)(506)AOCI 6% 3,354 3,176 3,078 Total Shareholder’s Equity 0% 46,207,757 46,188,078 48,015,003 Common Shares Outstanding 86% 91% 86% Total LHI % of Deposits 35% 34% 39% Non-Interest Bearing % of Deposits $66.09 $62.26 $57.85 Book Value Per Share $66.06 $62.23 $57.82 Tangible Book Value Per Share8

7 $4.3 $3.3 $4.4 $4.7 $3.9 $3.5 $4.4 $5.2 $4.1 $4.1 $5.1 $4.4 $4.0 $4.2 $5.1 $5.5 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 $5.4 $5.5 $5.8 $5.7 $5.3 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 $10.4 $10.4 $10.4 $10.5 $11.0 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024  Commercial loans increased $434mm or 4% QoQ  Predominantly related to approx. $330 million of funded balances in the healthcare loan portfolio acquired at quarter end  Commercial real estate loans decreased $374mm QoQ as payoff rates remain elevated  Multi-family comprises $2.3bn or 44% of CRE loans  Over 55% located in Texas and total portfolio avg. LTV of 47%  Office balances declined to $408mm or 8% of CRE loans as several properties experienced paydowns or payoffs  Mortgage Finance loan balances driven by anticipated Q3 seasonality resulted in a $795mm, or 18%, QoQ increase on an average basis, compared to a 7% increase in the comparable quarter last year  Period end balances increased $451mm, or 9%  Modest mortgage rate improvements nationwide in mid-August and September resulted in increased activity Loan Portfolio Composition Mortgage Finance Loans ($bn) Average Period End Commercial Loans ($bn) Commercial Real Estate Loans ($bn)

8 2.62% 2.82% 2.97% 2.99% 2.94% 2.60% 2.75% 2.83% 2.83% 2.76% 4.47% 4.58% 4.67% 4.64% 4.64% Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 $4.0 $3.6 $3.4 $3.4 $3.5 $3.4 $6.0 $5.6 $5.2 $5.2 $6.0 $5.6 $12.8 $13.6 $14.4 $15.1 $15.8 $16.3 $1.4 $1.1 $0.8 $0.6 $0.5 $0.5 $24.2 $24.0 $23.8 $24.3 $25.7 $25.9 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q3 2024 Q3 2024 EOP Deposit and Funding Composition  Total deposit balances increased $2bn or 9% QoQ  Excluding MF9 non-interest bearing and brokered deposits, QoQ growth of $1.1bn or 6% resulting from sustained focus on growing client relationships  Non-interest bearing, excl MF9 deposits grew $121 million or 4% QoQ as the firm continues to both onboard new clients and strengthen existing relationships through expanded product and service offerings  Average MF9 non-interest bearing deposits increased by $770mm, with the ratio to average mortgage finance loans declining to 116% in Q3 compared to 120% in Q2  End of period balances increased by $962mm QoQ or 21% consistent with historical seasonal trends  The majority of MF9 non-interest bearing deposits are compensated through relationship pricing which results in application of an interest credit to either the client’s mortgage finance or commercial loan yield  Average cost of interest bearing deposits remained flat at 4.64%, while average cost of total deposits declined by 5bps QoQ Average Deposit Trends ($bn) Period End Deposit Flows ($mm) Funding Costs Non-Interest Bearing, excl MF9 MF9 Non-Interest Bearing Interest Bearing Interest Bearing Brokered Change %$Q3 2024Q2 2024 4% 121 3,444 3,323 Non-Interest Bearing, excl MF9 21% 962 5,627 4,665 MF9 Non-Interest Bearing 14% 1,083 9,071 7,988 Total Non-Interest Bearing 6% 969 16,276 15,307 Interest Bearing (1%)($5)$518 $524 Brokered Deposits 6% 964 16,794 15,831 Total Interest Bearing 9% $2,047 $25,865 $23,818 Total Deposits Total Cost of Funds Avg Cost of Int. Bearing Deposits Avg Cost of Total Deposits

9 (10.0%) (13.5%) (5.0%) (6.5%) 2.1% 3.1% 4.1% 6.1% (10.0%) (8.0%) (6.0%) (4.0%) (2.0%) 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% Q2 2024 Q3 2024 -200bps Shock -100bps Shock +100bps Shock +200bps Shock 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: ~60%  Investment Portfolio: Ratio held constant Hedging Profile Net Interest Income Sensitivity – Static Balance Sheet ($mm) $925mm$992mmBase NII11 Earning Assets Profile (Average) Q3 2024Q2 2024 YieldBalance ($mm)YieldBalance ($mm) 5.30% $3,959 5.31% $3,273 Interest Bearing Cash and Equivalents 3.34% 4,315 2.80% 4,427 Securities 9.44% 24 9.55% 29 Loans Held for Sale 7.26% 16,792 7.25% 16,751 LHI excl Mortgage Finance LHI 4.20% 5,152 3.94% 4,357 Mortgage Finance LHI --(267)--(263)ACL on Loans 5.96% $29,975 5.86% $28,574 Earning Assets  93% of LHI excluding Mortgage Finance LHI are variable rate  $1.1bn of loans, or 7%, are fixed with 11% maturing or repricing in the next 12 months  During the quarter, the firm restructured a portion of the AFS securities portfolio  Sold $1.24bn of securities with a yield of 1.23% and reinvested proceeds into securities with a yield of 5.26%  Securities portfolio duration ~4 years  Loan hedges reduced interest income by $18.3 million this quarter and $54.4 million year to date Impacts of Mortgage Finance  Mortgage Finance represents 23% of the average total LHI portfolio with the majority tied to 1-month SOFR which declined 49bps in Q3  Given the current rate outlook and seasonality factors, the average Mortgage Finance self funding ratio is expected to decline modestly during Q4  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 $40 $20 ($49) ($99) $56 $29 ($60) ($125) Receive Rate Average Notional Balance ($bn) 3.66%2.9 Q3 2024 3.60%2.6 Q4 2024 3.60%2.6 Q1 2025 3.43%2.4 Q2 2025 3.09%1.3 Q3 2025 3.31%0.4 Q4 2025

10 $216.6 $0.6 $1.7 $8.3 $3.4 $2.2 $14.3 ($6.9) ($2.1) $2.0 $240.1 Q2 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 Q3 2024 $232.1 $214.7 $215.0 $216.6 $240.1 3.13% 2.93% 3.03% 3.01% 3.16% Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Net Interest Income Net Interest Margin $46.9 $31.1 $41.3 $50.4 ($114.8) $64.8 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 $110.0 $108.0 $126.7 $118.8 $118.7 $69.9 $73.5 $65.7 $69.1 $71.3 $19.9 $10.0 $0.5 $5.3 $179.9 $201.4 $202.4 $188.4 $195.3 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 10% 5% 0% 39% 36% 61% 54% 63% 63% Q3-2024 Earnings Overview Net Interest Margin ($mm)Net Interest Income ($mm) Non-Interest Income ($mm) Non-Interest Expense ($mm) Salaries & Benefits Non-Recurring Items4Other NIE 60%  Net interest income increased $23.5mm QoQ from higher average loan balances for the quarter and securities interest income related to the AFS bond repositioning beginning in mid-August  Excluding the loss on sale of AFS securities4, non-interest income increased 29% QoQ  Record level of income in the fee areas of focus  Quarterly non-interest expense excluding non-recurring items4 increased $2.1mm to $190.1mm with salaries and benefits declining QoQ 9 9 9 9 37% 3% 37%32% % of Total Revenue, Adj.4 17% 13% 16% 19% 21% Non-Interest Income Non-Interest Income, Adj.4

11 60% 47% 50% 52% 75% 40% 53% 50% 48% 25% $431.8 $491.2 $584.5 $593.3 $579.8 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Commercial Mortgage Finance Real Estate Consumer 0.21% 0.29% 0.35% 0.28% 0.28% 0.17% 0.27% 0.22% 0.23% 0.11% 3.29% 3.63% 4.13% 3.95% 4.03% Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 78% 81% 79% 80% 73% 22% 19% 21% 19% 26%1% 1% $245.6 $247.0 $275.0 $266.4 $317.9 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Commercial Mortgage Finance Real Estate Consumer Q3 2023 Q2 2024 Q3 2024Total ACL, ex MF9 / LHI ex MF9 Total ACL / LHI 4.6x 3.7x 3.6x 1.41% 1.44% 1.43% 1.76% 1.84% 1.87% Q3 2023 Q2 2024 Q3 2024 Asset Quality Trends Allowance for Credit Loss Reserve Ratios Asset Quality Ratios Special Mention Composition ($mm) Substandard Composition ($mm) $6.1$12.0$10.8$13.8$8.9Net Charge-Offs ($mm) NPAs/Total Assets Criticized/LHI NCOs/Avg. LHI Total ACL / Non- accrual Loans HFI  ACL on Loans increased $5.8mm QoQ to $273mm, a continued build in the reserve to an all time high  Total ACL, excl. MF9 increased to $314mm in Q3 from $307mm in Q2  Total ACL, excl. MF9 to LHI, excl. MF9 in the top 5 percent among Peers12 Total ACL to LHI ratio  $6.1mm of net charge-offs, 0.11% of average LHI, related to several small commercial credits  Year-to-date annualized provision expense as a percentage of average LHI is 31bps, or 39bps when excl. MF  Criticized / LHI remained stable at 4.03% with total criticized loans increasing $38mm  Special mention loans declined $13.5mm QoQ to $580mm as material payoffs and upgrades in the real estate portfolio were offset by migration of certain commercial credits  Substandard loans increased $51.6mm QoQ to $318mm  Non-performing assets increased $3.9 million QoQ, flat at 0.28% of total assets

12 12.70% 12.65% 12.38% 11.62% 11.19% >11.00% 1.58% 1.59% 1.56% 1.47% 1.44% 2.81% 2.83% 2.70% 2.56% 2.54% 17.09% 17.07% 16.64% 15.65% 15.17% Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 2024 YE Target $57.82 $61.34 $61.06 $62.23 $66.06 $57.85 $61.37 $61.10 $62.26 $66.09 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 9.37% 10.22% 9.83% 9.63% 9.65% 9.38% 10.22% 9.84% 9.63% 9.66% Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 2024 YE Target Capital Position and Trends  Regulatory capital ratios remain exceptionally strong  Total capital ratio of 15.17%, in the top quartile of the peer group12, and CET1 ratio of 11.19%  CET1 declined 43bps QoQ primarily related to the loss on sale from repositioning AFS securities  Tangible common equity / tangible assets13 ended the quarter at 9.65%, 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 $3.83 driven by net income excluding the loss on the AFS securities portfolio transaction and additional AOCI improvement from end of period rate movements  TBVPS of $66.06 is an all-time high for the Firm Regulatory Capital Levels Tangible Common Equity / Tangible Assets13 Tangible Book Value per Share8 Period End AOCI ($mm) ($128)($368)($380)($362)($506) AOCI per Share ($2.77)($7.96)($8.09)($7.66)($10.54) Tangible Common Equity / Tangible Assets13 Common Equity / Total Assets Peer12 Tangible Common Equity / Tangible Assets13 7.63%7.63%7.65%7.11% Tangible Book Value per Share8 Book Value per Share CET1 Tier 2 CapitalTier 1 Capital

13 Full Year 2024 Guidance FY 2023 Adjusted (Non-GAAP4) Low single-digit % growth$1,075.5mmTotal Revenue Low to mid single-digit % growth: Full Year Consensus$737.1mmNon-Interest Expense, Adjusted4 Maintained in Q4--Quarterly Operating Leverage (YoY Growth in Quarterly PPNR6, Adjusted4) >20%30%Average Cash & Total Securities (% of Average Total Assets) >11%12.6%CET1 Ratio Full Year 2024 Guidance  Forward curve14 assumes a 2024 exit rate of 4.25%  Total Revenue, Adjusted2 guidance decreased from low to mid single-digit percent annual growth  Non-Interest Expense, Adjusted4, remains unchanged  Quarterly Operating Leverage achieved in Q3 and expect to maintain in Q4  Average Cash & Total Securities remains unchanged  CET1 ratio target remains unchanged 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 $2.8 million for FY 2020, $4.0 million for FY 2021, $6.1 million for FY 2022, $9.4 million for FY 2023, $7.7 million for YTD 2024, and $2.5 million, $2.4 million, $2.4 million, $2.5 million, and $2.8 million for Q3 2023, Q4 2023, Q1 2024, Q2 2024, and Q3 2024 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 Q3 2024; 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 $20-100 billion in total assets, excluding PR headquartered banks and merger targets; Source: S&P Capital IQ Pro; Data as of Q2 2024 13. Stockholders’ equity excluding preferred stock, less goodwill and intangibles, divided by total assets, less goodwill and intangibles 14. Forward curve as of October 4, 2024 YTD 2024 ($M)2023 ($M)2022 ($M)2021 ($M)2020 ($M) Adjusted3As Reported Adjusted As Reported Adjusted2As Reported Adjusted1As Reported Adjusted1As Reported $671.7 $671.7 $914.1 $914.1 $875.8 $875.8 $767.6 $768.8 $821.1 $851.3 Net Interest Income 156.6 (23.0)161.4 161.4 101.0 349.5 119.5 138.3 103.7 203.0 Non-Interest Income $828.2 $648.7 $1,075.5 $1,075.5 $976.8 $1,225.3 $887.1 $907.1 $924.8 $1,054.3 Total Revenue 18.9%(3.6%)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 2024 YTD ($mm)2023 ($mm)2022 ($mm)2021 ($mm)2020 ($mm) Adjusted1As Reported Adjusted1As Reported Adjusted1As Reported Adjusted1As Reported Adjusted1As Reported $141.6 ($6.5)$187.1$171.9$159.5$315.2$244.5$235.2$112.6$56.5Net Income to Common $2,899.9 $2,899.9 $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 1.51.514.514.517.417.417.917.9Less: Average Goodwill & Intangibles $2,898.4 $2,898.4 $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 6.5%(0.3%)6.7%6.2%5.7%11.3%8.7%8.4%4.2%2.1%ROACE 6.5%(0.3%)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 YTD 2024 FY 2023 FY 2022 FY 2021 FY 2020 Q3 2024 Q2 2024 ($mm, Except per Share) $671.7 $914.1 $875.8 $768.8 $851.3 $240.1 $216.6 Net Interest Income (23.0)161.4 349.5 138.3 203.0 (114.8)50.4 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 156.6 161.4 101.0 138.3 203.064.8 50.4 Non-Interest Revenue, Adjusted 586.1 756.9 727.5 599.0 704.4 195.3 188.4 Non-Interest Expense Adjustments: --(29.6)-(17.8)--Transaction Costs (7.9)-(9.8)(12.0)(54.0)(5.9)-Restructuring Expense (5.0)------Legal Settlement --(8.0)----Charitable Contribution (2.8)(19.9)---0.7 (0.5)FDIC Special Assessment 570.4 737.1 680.1 587.0 632.6 190.1 187.9 Non-Interest Expense, Adjusted 62.5 318.6 497.8 308.1 349.9 (70.0)78.6 PPNR6 257.9 338.5 296.6 320.1 421.7 114.9 79.1 PPNR6, Adjusted 49.0 72.0 66.0 (30.0)258.0 10.0 20.0 Provision for Credit Losses 7.1 57.5 99.3 84.1 25.7 (18.7)16.9 Income Tax Expenses 47.2 4.6 (45.4)2.7 15.6 44.9 0.1 Tax Impact of Adjustments Above 54.3 62.1 53.9 86.8 41.3 26.2 17.0 Income Tax Expenses, Adjusted 6.5 189.1 332.5 253.9 66.3 (61.3)41.7 Net Income 154.6 204.4 176.8 263.2 122.4 78.7 42.0 Net Income, Adjusted 12.9 17.3 17.3 18.7 9.8 4.3 4.3 Preferred Stock Dividends (6.5)171.9 315.2 235.2 56.5 (65.6)37.4 Net Income to Common 141.6 187.1 159.5 244.5 112.6 74.3 37.7 Net Income to Common, Adjusted $30,076.3 $29,537.3 $32,049.8 $38,140.3 $37,516.2 $31,215.2 $29,750.9 Average Assets 0.03% 0.64%1.04%0.67%0.18%(0.78%)0.56% Return on Average Assets 0.69% 0.69%0.55%0.69%0.33%1.00% 0.57% Return on Average Assets, Adjusted 0.28% 1.08%1.55%0.81%0.93%(0.89%)1.06% PPNR6 / Average Assets 1.15% 1.15%0.93%0.84%1.12%1.46% 1.07% PPNR6, Adjusted / Average Assets $2,899.9 $2,795.0 $2,783.3 $2,815.7 $2,686.7 $2,945.2 $2,857.7 Average Common Equity (0.30%)6.15%11.33%8.35%2.10%(8.87%)5.26% Return on Average Common Equity 6.52% 6.70%5.73%8.68%4.19%10.04% 5.31% Return on Average Common Equity, Adjusted 47,053,717 48,610,206 51,046,742 51,140,974 50,582,979 46,608,742 46,872,498 Diluted Common Shares ($0.14)$3.54 $6.18 $4.60 $1.12 ($1.41)$0.80 Earnings per Share $3.01 $3.85 $3.13 $4.78 $2.23 $1.59 $0.80 Earnings per Share, Adjusted 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.