Total Assets
$31.3B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$26.7B
Customer-funded liabilities
Net Loans
$23.8B
Outstanding loan book
Net Income
$344M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
10.10%
Efficiency Ratio
57.52%
What the numbers say about Texas Capital Bank
Texas Capital Bank is an FDIC-insured institution (Certificate #34383) headquartered in Dallas, Texas, established in 1997. It holds $31.3B in total assets - 71st of 4,313 FDIC-insured banks, $26.7B in customer deposits, and $23.8B in net loans. Looking at capital strength, Tier 1 stands at 13.01%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.67%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Texas Capital Bank's asset base places it among the largest FDIC-insured institutions in the country, 71st of 4,313 nationally, and 4th of 350 banks headquartered in Texas. Only Prosperity Bank ($38.5B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Texas by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
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% |
| 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% |
Frequently asked questions
What is Texas Capital Bank's health grade?▼
Texas Capital Bank receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Texas Capital Bank?▼
Texas Capital Bank holds $31.3B in total assets and $26.7B in deposits, ranking 71st of 4,313 FDIC-insured banks by asset size. It is headquartered in Dallas, Texas.
Is my money safe at Texas Capital Bank?▼
Yes, deposits at Texas Capital Bank (Certificate #34383) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Texas Capital Bank's Tier 1 Capital Ratio?▼
Texas Capital Bank has a Tier 1 Capital Ratio of 13.01%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Texas Capital Bank?▼
Texas Capital Bank has a Texas Ratio of 3.67%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Texas Capital Bank?▼
Texas Capital Bank has an Efficiency Ratio of 57.52%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Texas Capital Bank's profile as a depositor or analyst.
- Texas Capital Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Texas Capital 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.