As the Q4 earnings season comes to a close, it’s time to take stock of this quarter’s best and worst performers in the regional banks industry, including Texas Capital Bank (NASDAQ: TCBI) and its peers.

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 95 regional banks stocks we track reported a satisfactory Q4. As a group, revenues beat analysts’ consensus estimates by 1.6%.

While some regional banks stocks have fared somewhat better than others, they have collectively declined. On average, share prices are down 4.9% since the latest earnings results.

Texas Capital Bank (NASDAQ: TCBI)

Founded during the Texas banking renaissance of the 1990s with an entrepreneurial spirit, Texas Capital Bancshares (NASDAQ: TCBI) is a financial services firm that provides banking, wealth management, and investment banking services to businesses and individuals across Texas and beyond.

Texas Capital Bank reported revenues of $328.4 million, up 15.7% year on year. This print exceeded analysts’ expectations by 1.6%. Overall, it was a very strong quarter for the company with a beat of analysts’ EPS estimates and an impressive beat of analysts’ net interest income estimates.

DALLAS, Jan. 22, 2026 (GLOBE NEWSWIRE) -- “Consecutive strong quarters to close 2025 validate our multi-year transformation strategy and demonstrate the resilience of our business model in a complex market environment,” said Rob C. Holmes, Chairman, President & CEO.

Unsurprisingly, the stock is down 9.8% since reporting and currently trades at $92.29.

Is now the time to buy Texas Capital Bank? Access our full analysis of the earnings results here, it’s free.

Best Q4: Merchants Bancorp (NASDAQ: MBIN)

With a strategic focus on low-risk, government-backed lending programs, Merchants Bancorp (NASDAQCM:MBIN) is an Indiana-based bank holding company specializing in multi-family mortgage banking, mortgage warehousing, and traditional banking services.

Merchants Bancorp reported revenues of $185.3 million, down 4.4% year on year, outperforming analysts’ expectations by 7.8%. The business had a stunning quarter with a beat of analysts’ EPS estimates and an impressive beat of analysts’ net interest income estimates.

The market seems happy with the results as the stock is up 20% since reporting. It currently trades at $41.93.

Is now the time to buy Merchants Bancorp? Access our full analysis of the earnings results here, it’s free.

Weakest Q4: National Bank Holdings (NYSE: NBHC)

Operating under familiar local brands like Community Banks of Colorado, Bank Midwest, and Bank of Jackson Hole, National Bank Holdings (NYSE: NBHC) operates regional banks across Colorado, Kansas, Missouri, Wyoming, Texas, and other western states, offering commercial, business, and consumer banking services.

National Bank Holdings reported revenues of $102.6 million, down 3.7% year on year, falling short of analysts’ expectations by 2.7%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates.

The stock is flat since the results and currently trades at $39.75.

Read our full analysis of National Bank Holdings’s results here.

Butterfield Bank (NYSE: NTB)

Founded in 1784 as one of the oldest banks in the Western Hemisphere, Butterfield Bank (NYSE: NTB) provides banking, wealth management, and trust services to individuals and businesses in select offshore financial centers including Bermuda, Cayman Islands, and the Channel Islands.

Butterfield Bank reported revenues of $158.9 million, up 4.6% year on year. This print surpassed analysts’ expectations by 2.6%. Overall, it was a strong quarter as it also recorded a solid beat of analysts’ revenue estimates and a decent beat of analysts’ tangible book value per share estimates.

The stock is down 6.8% since reporting and currently trades at $49.80.

Read our full, actionable report on Butterfield Bank here, it’s free.

F.N.B. Corporation (NYSE: FNB)

Tracing its roots back to 1864 during the Civil War era, F.N.B. Corporation (NYSE: FNB) is a diversified financial services holding company that provides banking, wealth management, and insurance services to consumers and businesses across seven states and Washington, D.C.

F.N.B. Corporation reported revenues of $460.9 million, up 12.4% year on year. This number beat analysts’ expectations by 0.6%. It was a strong quarter as it also logged a beat of analysts’ EPS estimates and a narrow beat of analysts’ tangible book value per share estimates.

The stock is down 5% since reporting and currently trades at $16.40.

Read our full, actionable report on F.N.B. Corporation here, it’s free.

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