FDIC Cert #34383 · Dallas, Texas · Est. 1997

Texas Capital Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$31.3B
Total assets
A
Health grade · Excellent
1.10%
Return on assets
13.0%
Tier 1 capital

Data updated July 2026

The verdict

Texas Capital Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.01% Tier 1, profitable at 1.10% ROA, efficient (58% cost ratio).

#71
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
13.01%
Tier 1 ratio - above the 10% well-capitalized line
50th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 34383 · TX A · 87/100

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

  • GRADE-A A (87/100)
  • MID-PACK #1151/4307
  • PHOTO-FINISH Planters Bank, Inc. · KY
  • TIER1-WELL 13.0% Tier 1
  • TEXAS-CLEAN 3.7% Texas
  • ROA-PAR 1.10% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Planters Bank, Inc., KY (±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 Texas Capital Bank

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

Morgan Stanley Bank,… · UT ·…100/100American National Ba… · WI ·…87/100Community Bank of Me… · MO ·…87/100Planters Bank, Inc. · KY · n…87/100Quad City Bank and T… · IA ·…87/100Texas Capital Bank · TX · th…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Texas Capital Bank · July 2026

Call Report read for Texas Capital Bank in a high-failure state

Texas Capital Bank (FDIC Cert #34383) carries a PlainBankData health grade of A at 87/100, 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 #1,151 of 4,307. Tier 1 capital prints at 13.01%, clearing the 10% well-capitalized line. The Texas Ratio is 3.67%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.10%. Balance-sheet scale is $31.3B, 71st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Planters Bank, Inc. (KY), 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 Texas Capital Bank

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

Texas Capital 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 Texas Capital 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 Texas Capital Bank's 87/100 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 avg77/10087/100
Texas Capital Bank's composite health score
Tier 1 Capital Ratio (13.01%) 35/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (3.67%) 20/20
Efficiency Ratio (57.52%) 12/15

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

Balance sheet at a glance

Total Assets

$31.3B

Total balance-sheet footings

Total Deposits

$26.7B

Customer-funded liabilities

Net Loans

$23.8B

Outstanding loan book

Net Income

$344M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.61% 13.01% 14.41%
Basel III capital ratios - Texas Capital Bank

Where Texas Capital Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Texas Capital Bank's score of 87/100 falls in the highlighted band.

Texas Capital Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Texas Capital 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

Texas Capital 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). Texas Capital Bank's $31.3B falls in the highlighted band.

Capital & credit buffers at Texas Capital Bank

Tier 1 capital ratio
Well-capitalized 10%

13.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.01%
Texas Ratio
3.67%
Equity Capital
$3.6B

What these ratios mean →

Earnings posture at Texas Capital Bank

Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
10.10%
Efficiency Ratio
57.52%

What these mean →

Income & expense at Texas Capital Bank

$1.8B
Interest Income
$147M
Non-Interest Income
$686M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Texas Capital Bank reports a Texas Ratio of 3.67% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.67% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Texas Capital 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 Texas Capital Bank by assets

Texas Capital Bank is closely matched in total assets by BNY Mellon, Eastern Bank, Glacier Bank, Fulton Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.37%, versus Texas Capital Bank's own 1.10%; the average efficiency ratio is 53.66%, versus 57.52% here; and average Tier 1 capital sits at 13.11%, versus 13.01% at Texas Capital Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $31.3B in assets, Texas Capital 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 Texas Capital Bank nationally by total assets
  1. 1
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  4. 4
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  5. 5
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  6. 6
    Sallie Mae Bank $29.7B

    Salt Lake City, UT · Grade A

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
Texas Capital Bank (this bank) TX $31.3B 1.10% 57.52% 13.01%
BNY Mellon, National Association PA $31.3B 0.94% 66.72% 14.35%
Eastern Bank MA $30.6B 0.39% 54.83% 12.41%
Glacier Bank MT $32.0B 0.90% 61.10% 12.67%
Fulton Bank, National Association PA $32.0B 1.33% 56.05% 12.84%
Commerce Bank MO $32.7B 1.74% 54.68% 15.32%
Sallie Mae Bank UT $29.7B 2.90% 28.58% 11.09%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($31.3B here), outside Texas so the neighborhood is not state containment.

BNY Mellon $31.3B · PA Eastern Bank $30.6B · MA Glacier Bank $32.0B · MT Fulton Bank $32.0B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Texas Capital Bank (FDIC Cert #34383) - 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.

Texas Capital 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%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%
Stellar BankHouston $10.8B A 1.07%