Texas Capital Bank Data Breach Affects 86,067 Texans

Dallas-based, Texas Capital Bank, with approximately $33.4 billion in assets and about 1,720 employees, experienced a data breach in late April 2026.

The breach was reported to the California Attorney General on May 28, 2026, and to the Texas Attorney General on May 29, 2026, with 86,067 Texas residents identified as affected. The company is notifying affected consumers by U.S. Mail.

The breach took place on April 26 and 27, 2026, according to information disclosed in regulatory filings.

The types of personal information exposed included names and Social Security numbers, according to the company's notification to consumers. Social Security numbers are considered highly sensitive because they can potentially be used to open fraudulent accounts or commit other forms of identity theft.

Texas Capital Bank's response

Texas Capital Bank is offering affected individuals a complimentary 24-month membership to Experian IdentityWorks, an identity detection and resolution service. According to the company's notification, the membership includes the following features:

• An Experian credit report at signup, with daily credit reports available for online members
• Credit monitoring that actively watches Experian files for indicators of fraud
• Internet surveillance technology that searches the web, chat rooms and bulletin boards around the clock to identify the trading or selling of personal information on the dark web
• Identity restoration support from specialists who can help address credit and non-credit-related fraud
• Experian IdentityWorks ExtendCare, which provides identity restoration support even after the membership expires
• Up to $1 million in identity theft insurance covering certain costs and unauthorized electronic fund transfers

According to the notification, the identity theft insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company.

Affected individuals can enroll in Experian IdentityWorks using the activation code included in their notification letter. Enrollment must be completed by Sept. 30, 2026, as the code will not work after that date. A credit card is not required to enroll. The terms and conditions for the identity restoration offer are available on Experian's website.

For those who prefer not to enroll online, Experian's customer care team is available by phone from 8 a.m. to 8 p.m. Central Time, excluding major U.S. holidays, through Sept. 30, 2026. Callers should be prepared to provide the engagement number included in their notification letter as proof of eligibility.

If an Experian agent determines that identity restoration support is needed, a specialist will work with the affected individual to investigate and resolve each incident of fraud. According to the notification, this may include helping to contact credit grantors to dispute charges and close accounts, placing a freeze on credit files with the three major credit bureaus and contacting government agencies to help restore identity records.

This identity restoration support is available for two years from the date of the notification letter and does not require immediate action.

Residents of Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, Puerto Rico and Vermont may be entitled to one or more additional free copies of their credit reports by contacting the credit reporting agencies directly, according to the notification.

The bank’s parent company, Texas Capital Bancshares Inc., trades on Nasdaq under the ticker TCBI.