Total Assets
$12.7B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$10.9B
Customer-funded liabilities
Net Loans
$8.8B
Outstanding loan book
Net Income
$135M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.05%
Return on Equity (ROE)
9.06%
Efficiency Ratio
74.52%
What the numbers say about PlainsCapital Bank
PlainsCapital Bank is an FDIC-insured institution (Certificate #17491) headquartered in University Park, Texas, established in 1955. It holds $12.7B in total assets - 137th of 4,313 FDIC-insured banks, $10.9B in customer deposits, and $8.8B in net loans. Its capital position: a Tier 1 ratio of 14.49%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.46% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (75 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, PlainsCapital Bank sits in the top decile of all FDIC-insured institutions by asset size (137th of 4,313), and within Texas it ranks 8th of 350 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Stellar Bank, at $10.8B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Texas by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is PlainsCapital Bank's health grade?▼
PlainsCapital Bank receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is PlainsCapital Bank?▼
PlainsCapital Bank holds $12.7B in total assets and $10.9B in deposits, ranking 137th of 4,313 FDIC-insured banks by asset size. It is headquartered in University Park, Texas.
Is my money safe at PlainsCapital Bank?▼
Yes, deposits at PlainsCapital Bank (Certificate #17491) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is PlainsCapital Bank's Tier 1 Capital Ratio?▼
PlainsCapital Bank has a Tier 1 Capital Ratio of 14.49%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for PlainsCapital Bank?▼
PlainsCapital Bank has a Texas Ratio of 5.46%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is PlainsCapital Bank?▼
PlainsCapital Bank has an Efficiency Ratio of 74.52%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read PlainsCapital Bank's profile as a depositor or analyst.
- PlainsCapital Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare PlainsCapital Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.