# Texas Capital Bancshares: AI strategy

Source: https://www.bankingnewsai.com/banks/texas-capital
Last updated: Oct 19, 2026

*A rebuilt Dallas bank that now runs on a cloud-native platform, has just hired a chief digital and information officer with AI enablement in his brief, and applies technology to the mortgage-asset trading market it knows best.*

## How is Texas Capital using AI?

Texas Capital Bancshares, the Dallas parent of Texas Capital Bank with $33 billion of assets, is the regional bank whose multi-year turnaround under CEO Rob Holmes was declared 'mission accomplished' by analyst Tom Brown in March 2026, and its AI posture reflects that rebuild: technology is a platform it now owns rather than a problem it is fixing. Holmes' 2026 outlook says the bank serves clients through a fully integrated, cloud-native platform that can 'onboard clients as fast as any firm in the nation' and that it 'continue[s] to make investments in automation, data and artificial intelligence', while observing that AI 'seems to be reducing demand for entry-level talent in some industries' and that policy on AI and digital assets has been 'more favorable than anticipated'. The organisational step came on 13 July 2026 with the appointment of Mo Jamous as chief digital and information officer, responsible for infrastructure, enterprise architecture, application development, data platforms, AI enablement and information security. The product step came in May 2026 with MAP, the Texas Capital Mortgage Asset Platform built with Black Lake Digital Markets, which brings institutional trading infrastructure and warehouse connectivity to whole loans, pools and mortgage servicing rights that 'still trade based on spreadsheets'. The commercial results the platform sits on: investment-banking and advisory fees doubled to $32 million in the first quarter of 2026, the bank declared its first-ever dividend in April 2026 and launched a private-banking and family-office push modelled on its investment-banking playbook, and management plans a second attempt to redomicile from Delaware to Texas after a failed shareholder vote. On AI specifically, the first-quarter 2026 earnings call moved the bank from statements of intent to a named programme: Holmes said he had grown 'a little frustrated' with the bank's AI progress, that the fix was the Big Sky data platform and more than 250 internal APIs built over five years, and that the bank now runs Ranger, its own secure multi-LLM platform, which about 80% of employees had used in the previous four weeks. He described a three-pronged strategy: firm-wide agents (in production for loan operations and fraud, with credit portfolio-review agents due the following quarter and more than 170 processes being mapped for agents), an agent builder in which about 64 employees had created 280 agents, and selective third-party AI tools, with governance and risk management embedded at every stage. The 10-K carries a dedicated AI risk factor, first included in the 2024 report, covering generative-AI output errors, bias, model opacity and reliance on third-party models, and a board Technology Committee formed in 2025 oversees technology and cyber risk. Texas Capital Bank is a Texas state member bank supervised by the Federal Reserve; the bank has not disclosed an AI budget.

## At a glance

| Field | Value |
| --- | --- |
| Lead bank | Texas Capital Bank |
| Ticker | TCBI |
| Headquarters | Dallas, TX |
| Consolidated assets | $33,206 million |
| Federal Reserve rank | 61 |
| Charter | Texas state member bank (Federal Reserve) |

## What AI partnerships and patents does Texas Capital have?

The public record names a small set of partners. Black Lake Digital Markets supplies the technology behind the MAP mortgage-asset platform. The in-house Ranger and Big Sky platforms do not name their model or data vendors. No Texas Capital AI patent could be confirmed from public records, and no AI budget is disclosed. ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))

| Item | What it is | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| Black Lake Digital Markets | Dealer-in-a-Box technology behind the MAP mortgage-asset platform | In production | 2026-05-18 | [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm) |
| Ranger and Big Sky | In-house multi-LLM platform and data platform; model and data vendors not named | In production | 2026-04-23 | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html) |

## Flagship platform: Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement

Texas Capital says it serves clients 'through a fully integrated technology platform' whose 'agile, cloud-native technology infrastructure allows us to onboard clients as fast as any firm in the nation', and that it continues 'to make investments in automation, data and artificial intelligence'. On 13 July 2026 it appointed Mo Jamous chief digital and information officer to lead technology strategy and organisation, 'including infrastructure, enterprise architecture, application development, data platforms, artificial intelligence (AI) enablement and information security'. In May 2026 it launched MAP, the Texas Capital Mortgage Asset Platform powered by Black Lake Digital Markets' Dealer-in-a-Box technology, an end-to-end environment for financing, hedging, pricing, trading and transferring agency and non-QM loans and mortgage servicing rights in a market that 'still trade[s] based on spreadsheets and disconnected vendor stacks'. On the first-quarter 2026 earnings call Holmes named the AI layer itself: Ranger, a secure multi-LLM platform built by the bank's own technology team on top of Big Sky, a data platform five years in the making, and more than 250 internal APIs; about 80% of employees had used Ranger in the previous four weeks, and firm-wide agents were in production for loan operations and fraud. ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))

## Key points

- A chief digital and information officer, Mo Jamous, appointed 13 July 2026 with AI enablement, data platforms and information security in one remit.
- CEO outlook: continued 'investments in automation, data and artificial intelligence' on a cloud-native platform that onboards clients 'as fast as any firm in the nation'.
- MAP (May 2026): an end-to-end mortgage-asset trading platform with Black Lake Digital Markets, replacing spreadsheet-based workflows for loans and MSRs.
- Turnaround complete: first-ever dividend (April 2026), investment-banking fees doubled to $32 million in Q1 2026, private-banking and family-office build-out launched.
- Governance agenda: a second attempt to redomicile from Delaware to Texas after shareholders rejected the first.
- Ranger (Q1 2026 call): an in-house secure multi-LLM platform used by about 80% of employees in four weeks; agents in production for loan operations and fraud, credit portfolio-review agents next, 280 employee-built agents, 170+ processes mapped. No AI budget disclosed.
- The CFO on the Q4 2025 call expects expense-base productivity gains from technology to 'accelerate as we more fully adopt AI across the franchise'; the 10-K keeps a dedicated AI risk factor, first included in the 2024 report.
- Cloud-native commercial onboarding (Initio, launched June 2023) cut account opening from an estimated 40-day industry norm to a few days, the bank told American Banker.
- The board Technology Committee, formed 22 January 2025 and chaired by Tenet Healthcare CIO Paola Arbour, oversees technology, cybersecurity and AI; the 2026 proxy reports an AI governance programme with a dedicated working group and external AI defence assessments.
- 96% of critical infrastructure is in the cloud (Holmes, October 2025), on top of a data platform the bank spent four years building.
- Risk ownership is in transition: Chief Risk Officer David Oman left on 16 September 2026 and Chief Credit Officer David Youngberg is interim CRO while a search runs.
- Mo Jamous came from U.S. Bank, where he was CIO for Consumer, Business Banking and AI/ML Technologies, and earlier led global digital technologies at BBVA; he reports to Holmes and sits on the Operating Council.
- The Q2 2026 call and 10-Q added no new AI metrics: the call introduced Jamous, and the 10-Q mentions AI once, as a forward-looking risk. The Q1 call figures (about 80% Ranger use, 280 employee-built agents) remain the latest disclosed.

## Timeline

- Sep 16, 2026 — **Chief risk officer departs; chief credit officer steps in** An 8-K says David Oman left as CRO effective immediately, stating the departure was unrelated to any dispute or to financial condition or controls. David Youngberg, Chief Credit Officer, took on CRO duties and is a candidate in the search for a successor. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm))
- Jul 29, 2026 — **Second attempt to redomicile to Texas planned** After a failed shareholder vote. ([American Banker](https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas))
- Jul 23, 2026 — **Q2 10-Q mentions AI only as a forward-looking risk** The quarterly report lists 'risks related to the development and use of artificial intelligence' among its forward-looking factors, its only AI reference; the Q1 10-Q is the same. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000059/tcbi-20260630.htm))
- Jul 22, 2026 — **Q2 call: CDIO reports to the CEO** Holmes said Jamous joined in early July with more than two decades leading large technology organisations, reports to him and sits on the operating council; he also said the bank onboarded more treasury-service clients than in any quarter since it began counting four or five years ago. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-texas-capital-posts-solid-q2-2026-results-revenue-beats-93CH-4807173))
- Jul 22, 2026 — **Q2 2026 call: the new CDIO introduced** Holmes tells analysts Jamous will help strengthen the platform, drive innovation and advance the technology strategy; no new AI metrics given. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/texas-capital-bancshares-q2-earnings-230542009.html))
- Jul 13, 2026 — **Chief digital and information officer appointed** Mo Jamous leads technology, data, AI enablement and security. ([Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Banking Dive](https://www.bankingdive.com/news/texas-capital-mo-jamous-chief-digital-information-officer-us-bank-alum/825146/))
- May 18, 2026 — **MAP mortgage-asset platform launched** Financing, hedging, pricing, trading and transfer of loans and MSRs. ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm))
- Apr 23, 2026 — **Q1 call: technology spend and AI in credit reviews** CFO Scurlock said part of the rise in technology spend is a capitalised project portfolio meant to cut expense or lift revenue, and that internal AI work also shows in technology expense. Prepared remarks said credit stress reviews in recent quarters covered disruption from artificial intelligence, private credit and data-centre supply chains. ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/04/23/texas-capital-tcbi-q1-2026-earnings-transcript))
- Apr 23, 2026 — **Leadership reshuffle: COO over operations and corporate security** John Cummings named Chief Operating Officer, overseeing Operations, Corporate Security and Retail Branches; Jeff Hood joined as Chief Human Resources Officer on 4 May 2026. ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/04/23/texas-capital-announces-strategic-leadership-appointments))
- Apr 23, 2026 — **Q1 2026 call: Ranger and a three-pronged AI strategy** In-house multi-LLM platform used by about 80% of employees; agents live in loan operations and fraud; credit agents next quarter; 280 employee-built agents; selective third-party AI. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))
- Apr 23, 2026 — **First-ever dividend; private-banking push** Investment-banking fees doubled to $32 million in Q1. ([American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend))
- Mar 13, 2026 — **Analyst: 'mission accomplished'** Tom Brown's assessment of the turnaround. ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/03/13/analyst-tom-brown-highlights-texas-capital-transformation))
- Mar 12, 2026 — **Proxy: AI governance programme and staff AI initiative** The 2026 proxy says the bank implemented an AI governance programme with a dedicated working group, engaged external firms for AI defence assessments, and launched a firm-wide staff initiative in four areas: AI Talk, AI Learn, AI Engage and AI Grow. It places oversight of cybersecurity and AI with the Technology Committee. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm))
- Feb 10, 2026 — **2025 10-K repeats its AI risk factor** Carried over from the 2024 report: generative-AI output errors, bias, limited model transparency, evolving AI law and dependence on third-party models; a board Technology Committee formed in Q1 2025 oversees IT and cyber risk. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm))
- Feb 10, 2026 — **'The transformation's over'** Banking Dive reports a completed technology overhaul, including new payments and treasury-management platforms; Holmes says about 90% of the bank's 1,790 employees are new since 2021. ([Banking Dive](https://www.bankingdive.com/news/texas-capital-ceo-transformation-takeover-bank-acquisitions/811837/))
- Jan 22, 2026 — **Q4 2025 call: AI to accelerate productivity** The CFO says technology has improved expense-base productivity for several years and expects that to accelerate as the bank 'more fully adopt[s] AI across the franchise'. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/news/texas-capital-q4-2025-earnings-153932984.html))
- Jan 7, 2026 — **2026 outlook: automation, data and AI investment** Cloud-native onboarding; AI's effect on entry-level hiring noted. ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026))
- Dec 16, 2025 — **CEO to Jim Cramer: payments platform replaced** Holmes said the bank started a new treasury platform and replaced its payments platform, with new lockbox, merchant and card systems, and that the business had grown over 20% a quarter for about ten quarters. ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/12/16/texas-capitals-rob-c-holmes-goes-one-one-jim-cramer))
- Oct 23, 2025 — **CEO: 96% of critical infrastructure in the cloud** On Bloomberg's The Close Holmes said the bank has a modern tech stack with 96% of critical infrastructure in the cloud and had worked four years on a data platform that is 'helping us with our own AI journey'. ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/23/rob-c-holmes-highlights-texas-capitals-record-growth-bloombergs-close))
- Oct 23, 2025 — **CEO on Bloomberg: record growth** Segmented corporate-bank verticals; criticised loans down. ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/23/rob-c-holmes-highlights-texas-capitals-record-growth-bloombergs-close))
- Oct 22, 2025 — **'Promises Kept': the transformation recap** Bank marks completion of its multi-year rebuild. ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/22/promises-kept-texas-capital-transformation))
- Jan 22, 2025 — **Board Technology Committee formed** The 2026 proxy says the committee, formed on 22 January 2025, oversees information technology, cybersecurity risk and significant technology investments; it held four meetings in 2025. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm))
- Jun 24, 2024 — **Initio digital onboarding profiled** American Banker on the proprietary cloud-native system for opening commercial accounts, launched in June 2023; the bank says it cut an estimated 40-day industry process to a few days. ([American Banker](https://americanbanker.com/news/streamlining-commercial-banking-nancy-mcdonnell))
- May 21, 2024 — **David Oman named chief risk officer** Oman, from PwC's financial risk practice, joined on 10 June 2024 as CRO reporting to the CEO and sitting on the Operating Council, responsible for risk functions, enterprise risk management and regulatory compliance. ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2024/05/21/Texas-Capital-Names-David-Oman-as-Chief-Risk-Officer))

## Where AI runs

| Use case | What | Status | Detail | Sources |
| --- | --- | --- | --- | --- |
| [Trading & capital markets](https://www.bankingnewsai.com/ai-regulation/by-use-case#trading-markets) | MAP mortgage-asset trading platform | In production | Institutional-grade infrastructure for whole loans, pools and MSRs with warehouse connectivity. | [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | AI enablement under the CDIO | Rolling out | Data platforms, AI enablement and security in one technology organisation. | [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | Cloud-native client onboarding | In production | Integrated platform cited for onboarding speed. | [Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Investment in automation, data and AI | Announced | Stated ongoing investment programme; no use cases named. | [Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Ranger in-house multi-LLM platform | In production | Secure platform built by the bank's technology team on the Big Sky data platform and 250+ internal APIs; available to most employees. | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Banking Dive](https://www.bankingdive.com/news/texas-capital-mo-jamous-chief-digital-information-officer-us-bank-alum/825146/) |
| [Fraud detection](https://www.bankingnewsai.com/ai-regulation/by-use-case#fraud) | Firm-wide agents in loan operations and fraud | In production | In production by April 2026; 170+ processes mapped end to end (origination, approval, onboarding, monitoring) as candidates for further agents. | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html) |
| [Credit scoring & underwriting](https://www.bankingnewsai.com/ai-regulation/by-use-case#credit-underwriting) | Credit agents for portfolio reviews | Announced | Announced for the quarter after the Q1 2026 call. | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Banking Dive](https://www.bankingdive.com/news/texas-capital-mo-jamous-chief-digital-information-officer-us-bank-alum/825146/) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Employee agent builder | In production | About 64 employees had built 280 agents; duplicates are to be consolidated into one better agent for firm-wide use. | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html) |
| [Third-party & vendor AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#third-party-vendors) | Selective third-party AI solutions | Rolling out | The third prong of the AI strategy, alongside firm-wide and employee-built agents. | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html) |
| [Model risk management](https://www.bankingnewsai.com/ai-regulation/by-use-case#model-risk) | AI risk-factor disclosure and board technology oversight | In production | The 10-K covers incorrect or biased generative-AI output, model opacity, evolving AI regulation and third-party model risk; a board Technology Committee formed in 2025 oversees technology and cyber risk. | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | AI governance programme and working group | In production | The 2026 proxy says the bank implemented a comprehensive AI governance programme with a dedicated working group; the board Technology Committee oversees AI alongside cybersecurity. | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm) |
| [Cybersecurity](https://www.bankingnewsai.com/ai-regulation/by-use-case#cybersecurity) | Security automation and external AI defence assessments | In production | The proxy reports a next-generation security automation platform, expanded Security Operations and identity and access management, and external firms engaged to assess programme maturity and AI defences. | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm) |

## Disclosed numbers

| Measure | Value | As of | Sources |
| --- | --- | --- | --- |
| Investment-banking and advisory fees, Q1 2026 | $32 million (doubled y/y) | Apr 23, 2026 | [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend) |
| First dividend | Declared April 2026 | Apr 23, 2026 | [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend) |
| CDIO remit | infrastructure, architecture, applications, data, AI enablement, security | Jul 13, 2026 | [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer) |
| Employees who used Ranger in the prior four weeks | ≈ 80% | Apr 23, 2026 | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html) |
| Employee-built agents | 280, by about 64 employees | Apr 23, 2026 | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html) |
| Processes mapped for firm-wide agents / internal APIs | > 170 / > 250 | Apr 23, 2026 | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html) |
| Commercial account onboarding with Initio | A few days vs an estimated 40-day industry norm | Jun 24, 2024 | [American Banker](https://americanbanker.com/news/streamlining-commercial-banking-nancy-mcdonnell) |
| Employees / share hired since 2021 | 1,790 / ≈ 90% | Feb 10, 2026 | [Banking Dive](https://www.bankingdive.com/news/texas-capital-ceo-transformation-takeover-bank-acquisitions/811837/) |
| Critical infrastructure in the cloud | 96% | Oct 23, 2025 | [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/23/rob-c-holmes-highlights-texas-capitals-record-growth-bloombergs-close) |
| Board Technology Committee meetings in 2025 | 4 (committee formed 22 January 2025) | Mar 12, 2026 | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm) |
| Treasury product fee growth, full year 2025 | +24% | Jan 22, 2026 | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/news/texas-capital-q4-2025-earnings-153932984.html) |
| Treasury product fees, Q2 2026 | $12.5 million (+8% y/y) | Jul 22, 2026 | [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-texas-capital-posts-solid-q2-2026-results-revenue-beats-93CH-4807173) |

## Quotes

> "Our agile, cloud-native technology infrastructure allows us to onboard clients as fast as any firm in the nation. We continue to make investments in automation, data and artificial intelligence." — Rob C. Holmes, President and CEO, Jan 7, 2026 ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026))

> "Whole loans, pools and MSRs still trade based on spreadsheets and disconnected vendor stacks, creating execution risk for sellers and information asymmetry for buyers." — Texas Capital, MAP launch announcement, May 18, 2026 ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm))

> "I grew a little frustrated a short period back about our progress with AI, and we realized to do AI really well, you need a great data platform." — Rob C. Holmes, Chairman, President and CEO, Apr 23, 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))

> "We have our own secure multi-LLM AI platform called Ranger. It is available to most of our employees and was built by our tech team." — Rob C. Holmes, Chairman, President and CEO, Apr 23, 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))

> "We now have a, we think, a multiyear pattern of effectively improving the productivity of the expense base through the deployment of technology solutions which we anticipate is only gonna accelerate as we more fully adopt AI across the franchise." — Matt Scurlock, Chief Financial Officer, Jan 22, 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/news/texas-capital-q4-2025-earnings-153932984.html))

> "We have a modern tech stack, 96% of our critical infrastructure is in the cloud." — Rob C. Holmes, Chairman, President and CEO, Oct 23, 2025 ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/23/rob-c-holmes-highlights-texas-capitals-record-growth-bloombergs-close))

> "We ripped out the payments platform. We have a new payments platform, new lockbox, new merchant, new card." — Rob C. Holmes, Chairman, President and CEO, Dec 16, 2025 ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/12/16/texas-capitals-rob-c-holmes-goes-one-one-jim-cramer))

> "He will be instrumental in further strengthening our platform, driving innovation, and advancing our technology strategy." — Rob Holmes, Chairman, President and CEO, Jul 22, 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-texas-capital-posts-solid-q2-2026-results-revenue-beats-93CH-4807173))

## Who runs AI

- **Rob C. Holmes** — President and CEO ([LinkedIn](https://www.linkedin.com/in/rob-c-holmes-45627998)) ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend))
- **Mo Jamous** — Chief Digital and Information Officer (from July 2026) ([LinkedIn](https://www.linkedin.com/in/mo-jamous)) ([Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Banking Dive](https://www.bankingdive.com/news/texas-capital-mo-jamous-chief-digital-information-officer-us-bank-alum/825146/), [Texas Capital](https://investors.texascapitalbank.com/files/doc_news/2026/07/Mo-Jamous-Chief-Digital-and-Information-Officer-Press-Release.pdf))
- **Matt Scurlock** — Chief Financial Officer; also President of Texas Capital Bank (from April 2026) ([LinkedIn](https://www.linkedin.com/in/matt-scurlock-602b343)) ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/04/23/texas-capital-announces-strategic-leadership-appointments), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))
- **Paola M. Arbour** — Chair of the board Technology Committee (oversees technology, cybersecurity and AI); EVP and Chief Information Officer, Tenet Healthcare; director since 2021 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm))
- **John Cummings** — Chief Operating Officer (from April 2026); oversees Operations, Corporate Security and Retail Branches ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/04/23/texas-capital-announces-strategic-leadership-appointments))
- **David Oman** — Chief Risk Officer, June 2024 to 16 September 2026 (risk, enterprise risk management, compliance) ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2024/05/21/Texas-Capital-Names-David-Oman-as-Chief-Risk-Officer), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm))
- **David Youngberg** — Chief Credit Officer; interim Chief Risk Officer from 16 September 2026 and a candidate for the permanent role ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm))
- **Nancy McDonnell** — Head of Treasury Solutions as of June 2024; led the Initio cloud-native onboarding build ([American Banker](https://americanbanker.com/news/streamlining-commercial-banking-nancy-mcdonnell))

## Regulators it answers to

- [Federal Reserve](https://www.bankingnewsai.com/ai-regulation/federal-reserve) — Texas Capital Bank is a state member bank; Fed model-risk and third-party guidance cover the Black Lake-powered MAP platform and any AI enablement. See [SR 11-7](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-11-7), [SR 23-4](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-23-4).
- [SEC](https://www.bankingnewsai.com/ai-regulation/sec) — Texas Capital Securities and the mortgage-asset trading platform bring SEC and broker-dealer obligations to any AI in pricing or trading. See [Division of Examinations FY2026 Priorities](https://www.bankingnewsai.com/ai-regulation/documents/sec-exam-priorities-fy2026).
- [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) — Private-banking and consumer products carry UDAAP and adverse-action duties for AI in decisioning. See [ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-ecoa-regulation-b-adverse-action).

## What the record suggests

### The CDIO inherits a named programme

Bundling AI enablement with data platforms and security is the right structure; with Ranger and agents already live, the next disclosures to watch are outcome numbers for the loan-operations, fraud and credit agents.

### MAP is a market-structure play with AI upside

Once loan and MSR trading runs on one platform, pricing and hedging analytics are the obvious AI layer, and a differentiated one for a bank of this size.

### Talent commentary is unusually candid

A CEO noting that AI reduces entry-level demand invites the question of how the bank's own junior pipeline changes; that is a workforce disclosure in waiting.

### Redomiciling does not change the supervisor

Moving incorporation to Texas affects corporate law, not Fed supervision of the bank's technology and model risk.

## FAQ

### Who leads AI at Texas Capital?

Mo Jamous, Managing Director and Chief Digital and Information Officer since 13 July 2026, leads technology strategy including infrastructure, enterprise architecture, application development, data platforms, AI enablement and information security. He reports to CEO Rob Holmes and sits on the Operating Council. He joined from U.S. Bank, where he was CIO for Consumer, Business Banking and AI/ML Technologies, and earlier led global digital technologies at BBVA. The bank has no separate chief AI officer or chief data officer in public record.

### What is Texas Capital's Ranger AI platform?

Ranger is Texas Capital's own secure multi-LLM platform, built by its technology team and available to most employees; CEO Rob Holmes said on the first-quarter 2026 earnings call that about 80% of employees had used it in the previous four weeks. It sits on the bank's Big Sky data platform and more than 250 internal APIs, and supports firm-wide agents (live in loan operations and fraud) and an agent builder in which employees had created 280 agents.

### What is Texas Capital's MAP?

MAP, the Texas Capital Mortgage Asset Platform, launched on 18 May 2026 with Black Lake Digital Markets. It is an end-to-end platform for financing, hedging, pricing, trading and transferring agency loans, non-QM loans and mortgage servicing rights, with integrated warehouse connectivity, in a market that has relied on spreadsheets and disconnected vendor systems.

### Which AI vendors and models does Texas Capital use?

The public record names few. MAP runs on Black Lake Digital Markets' Dealer-in-a-Box technology. Holmes said the bank's Ranger platform is multi-LLM and built in house and that third-party AI tools are deployed selectively; the underlying models are not named.

### Who oversees AI risk and governance at Texas Capital?

The board Technology Committee, formed on 22 January 2025 and chaired by Paola Arbour, CIO of Tenet Healthcare, oversees technology, cybersecurity and AI; it met four times in 2025. The 2026 proxy reports an AI governance programme with a dedicated working group. The 10-K says the CISO reports to the CIO and the board, with a dotted line to the chief risk officer. CRO David Oman left on 16 September 2026, and Chief Credit Officer David Youngberg is interim CRO while a successor is sought.

### What did Texas Capital say about AI in its Q2 2026 results?

Little that was new. On the 22 July 2026 call Holmes introduced Mo Jamous, who reports to him and sits on the operating council, and said he would strengthen the platform and advance the technology strategy; no AI usage or savings figures were given. The Q2 10-Q mentions AI once, as a forward-looking risk. The latest figures remain those from the Q1 call: about 80% of employees using Ranger in four weeks, 280 employee-built agents, and more than 170 processes mapped.

## Sources (24)

1. Texas Capital, buoyed by turnaround, to pay first-ever dividend — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend
2. Why one bank is determined to reincorporate in Texas — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas
3. Promises Kept: Texas Capital's Transformation — Texas Capital, Oct 22, 2025. https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/22/promises-kept-texas-capital-transformation
4. Rob C. Holmes highlights Texas Capital's record growth on Bloomberg's The Close — Texas Capital, Oct 23, 2025. https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/23/rob-c-holmes-highlights-texas-capitals-record-growth-bloombergs-close
5. A Look Ahead with Rob C. Holmes — 2026 — Texas Capital, Jan 7, 2026. https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026
6. Analyst Tom Brown highlights Texas Capital transformation — Texas Capital, Mar 13, 2026. https://texascapitalbank.com/who-we-are/newsroom/news/2026/03/13/analyst-tom-brown-highlights-texas-capital-transformation
7. Texas Capital Launches MAP — Texas Capital, May 18, 2026. https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm
8. Texas Capital Q4 2025 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Jan 22, 2026. https://finance.yahoo.com/news/texas-capital-q4-2025-earnings-153932984.html
9. Texas Capital (TCBI) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html
10. Texas Capital Bancshares Q2 Earnings Call Highlights — Yahoo Finance, Jul 22, 2026. https://finance.yahoo.com/markets/stocks/articles/texas-capital-bancshares-q2-earnings-230542009.html
11. Texas Capital Bancshares Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — SEC EDGAR, Feb 10, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm
12. Texas Capital Announces Strategic Leadership Appointments — Texas Capital, Apr 23, 2026. https://texascapitalbank.com/who-we-are/newsroom/news/2026/04/23/texas-capital-announces-strategic-leadership-appointments
13. Texas Capital picks U.S. Bank alum as chief digital, information officer — Banking Dive, Jul 14, 2026. https://www.bankingdive.com/news/texas-capital-mo-jamous-chief-digital-information-officer-us-bank-alum/825146/
14. Texas Capital CEO touts transformation amid M&A chatter — Banking Dive, Feb 10, 2026. https://www.bankingdive.com/news/texas-capital-ceo-transformation-takeover-bank-acquisitions/811837/
15. Streamlining commercial banking: Nancy McDonnell — American Banker, Jun 24, 2024. https://americanbanker.com/news/streamlining-commercial-banking-nancy-mcdonnell
16. Texas Capital Appoints Mo Jamous as Chief Digital and Information Officer — Texas Capital, Jul 13, 2026. https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer
17. Texas Capital Names David Oman as Chief Risk Officer — Texas Capital, May 21, 2024. https://texascapitalbank.com/who-we-are/newsroom/news/2024/05/21/Texas-Capital-Names-David-Oman-as-Chief-Risk-Officer
18. Texas Capital Bancshares 2026 Notice of Annual Meeting and Proxy Statement (DEF 14A) — SEC EDGAR, Mar 12, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm
19. Texas Capital's Rob C. Holmes goes one-on-one with Jim Cramer — Texas Capital, Dec 16, 2025. https://texascapitalbank.com/who-we-are/newsroom/news/2025/12/16/texas-capitals-rob-c-holmes-goes-one-one-jim-cramer
20. Form 8-K: departure of Chief Risk Officer (Item 5.02) — SEC EDGAR, Sep 16, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm
21. Texas Capital Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — SEC EDGAR, Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000059/tcbi-20260630.htm
22. Texas Capital (TCBI) Q1 2026 Earnings Transcript (earnings call transcript, The Motley Fool) — The Motley Fool, Apr 23, 2026. https://fool.com/earnings/call-transcripts/2026/04/23/texas-capital-tcbi-q1-2026-earnings-transcript
23. Earnings call transcript: Texas Capital posts solid Q2 2026 results, revenue beats — Investing.com, Jul 22, 2026. https://investing.com/news/transcripts/earnings-call-transcript-texas-capital-posts-solid-q2-2026-results-revenue-beats-93CH-4807173
24. Texas Capital Appoints Mo Jamous as Chief Digital and Information Officer (press release) — Texas Capital, Jul 13, 2026. https://investors.texascapitalbank.com/files/doc_news/2026/07/Mo-Jamous-Chief-Digital-and-Information-Officer-Press-Release.pdf

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