FDIC Cert #17491 · University Park, Texas · Est. 1955

PlainsCapital Bank - FDIC Bank Health Profile

A community-scale look at PlainsCapital Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$12.7B
Total assets
B
Health grade · Good
1.05%
Return on assets
14.5%
Tier 1 capital

Data updated July 2026

The verdict

PlainsCapital Bank earns a PlainBankData health grade of B (75/100), with well-capitalized at 14.49% Tier 1, profitable at 1.05% ROA, 75% efficiency ratio.

#137
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
14.49%
Tier 1 ratio - above the 10% well-capitalized line
47th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 17491 · TX B · 75/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (75/100)
  • MID-PACK #2549/4307
  • PHOTO-FINISH The Fisher National… · IL
  • TIER1-WELL 14.5% Tier 1
  • TEXAS-CLEAN 5.5% Texas
  • ROA-PAR 1.05% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: The Fisher National Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around PlainsCapital Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100DLP Bank · FL · near75/100First National Bank · NM · n…75/100PlainsCapital Bank · TX · th…75/100Sidney State Bank · MI · near75/100The Fisher National… · IL · …75/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around PlainsCapital Bank · July 2026

Call Report read for PlainsCapital Bank in a high-failure state

PlainsCapital Bank (FDIC Cert #17491) carries a PlainBankData health grade of B at 75/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,549 of 4,307. Tier 1 capital prints at 14.49%, clearing the 10% well-capitalized line. The Texas Ratio is 5.46%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.05%. Balance-sheet scale is $12.7B, 137th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Fisher National Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around PlainsCapital Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

PlainsCapital Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about PlainsCapital Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How PlainsCapital Bank's 75/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10075/100
PlainsCapital Bank's composite health score
Tier 1 Capital Ratio (14.49%) 35/40
Return on Assets (ROA) (1.05%) 20/25
Texas Ratio (5.46%) 16/20
Efficiency Ratio (74.52%) 4/15

75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$12.7B

Total balance-sheet footings

Total Deposits

$10.9B

Customer-funded liabilities

Net Loans

$8.8B

Outstanding loan book

Net Income

$135M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.09% 14.49% 15.89%
Basel III capital ratios - PlainsCapital Bank

Where PlainsCapital Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. PlainsCapital Bank's score of 75/100 falls in the highlighted band.

PlainsCapital Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

75 41st percentile higher than 41% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. PlainsCapital Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

PlainsCapital Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). PlainsCapital Bank's $12.7B falls in the highlighted band.

Capital & credit buffers at PlainsCapital Bank

Tier 1 capital ratio
Well-capitalized 10%

14.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.49%
Texas Ratio
5.46%
Equity Capital
$1.5B

What these ratios mean →

Earnings posture at PlainsCapital Bank

Return on Assets (ROA)
47th percentile nationally
1.05%
Return on Equity (ROE)
9.06%
Efficiency Ratio
74.52%

What these mean →

Income & expense at PlainsCapital Bank

$629M
Interest Income
$353M
Non-Interest Income
$543M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. PlainsCapital Bank reports a Texas Ratio of 5.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View PlainsCapital Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to PlainsCapital Bank by assets

Measured strictly by total assets rather than geography, PlainsCapital Bank's closest national peers include BMW Bank of North America, First Bank, Dollar Bank, Federal Savings Bank, Safra National Bank of New York, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Texas. Averaged across this asset-matched cohort, return on assets runs 1.27% (PlainsCapital Bank is below that at 1.05%), the efficiency ratio averages 52.46% (PlainsCapital Bank runs higher at 74.52%), and Tier 1 capital averages 15.31% (PlainsCapital Bank holds less at 14.49%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $12.7B in assets, PlainsCapital Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to PlainsCapital Bank nationally by total assets
  1. 1
    BMW Bank of North America $12.8B

    Salt Lake City, UT · Grade A

  2. 2
    First Bank $12.7B

    Southern Pines, NC · Grade A

  3. 3
    Dollar Bank, Federal Savings Bank $12.5B

    Pittsburgh, PA · Grade B

  4. 4
    Safra National Bank of New York $12.5B

    New York, NY · Grade A

  5. 5
    Oriental Bank $12.4B

    San Juan, PR · Grade A

  6. 6
    First Commonwealth Bank $12.3B

    Indiana, PA · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
PlainsCapital Bank (this bank) TX $12.7B 1.05% 74.52% 14.49%
BMW Bank of North America UT $12.8B 2.31% 17.65% 14.53%
First Bank NC $12.7B 0.94% 50.34% 14.69%
Dollar Bank, Federal Savings Bank PA $12.5B 0.53% 75.71% 15.21%
Safra National Bank of New York NY $12.5B 0.92% 64.01% 22.33%
Oriental Bank PR $12.4B 1.59% 52.92% 13.44%
First Commonwealth Bank PA $12.3B 1.33% 54.10% 11.69%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($12.7B here), outside Texas so the neighborhood is not state containment.

BMW Bank of North America $12.8B · UT First Bank $12.7B · NC Dollar Bank, Federal Savings Bank $12.5B · PA Safra National Bank of New York $12.5B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) PlainsCapital Bank (FDIC Cert #17491) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

PlainsCapital Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
Stellar BankHouston $10.8B A 1.07%