PlainsCapital Bank
PlainsCapital Bank reported total assets of $12.7 bn at Q2 2026, up 2.2% on a year earlier, the 139th largest of 497 banks in our US coverage. The CET1 capital ratio at PlainsCapital Bank was 12.50%, and the uninsured share of PlainsCapital Bank was 53.89%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, PlainsCapital Bank slipped from 118th to 284th among 448 US banks between and (1 = highest; FDIC Call Reports).
- PlainsCapital Bank has one of the highest efficiency ratio readings among banks of $10 bn to $100 bn: 74.95% at , against a median of 55.14% across 126 banks (FDIC Call Reports).
- Over the year to , the bank equity capital of PlainsCapital Bank fell by 9.2% to $1.4 bn, a bigger fall than at 98% of covered banks (FDIC Call Reports).
What sets PlainsCapital Bank apart
- Since , PlainsCapital Bank has taken over one institution; the latest was The Bank of River Oaks on .
How large is PlainsCapital Bank?
The balance sheet of PlainsCapital Bank at : assets $12.7 bn, deposits $10.7 bn, net loans $9.2 bn (loans equal to 86.21% of deposits). Securities make up 16.8% of total assets at PlainsCapital Bank. Since , when PlainsCapital Bank held $8.7 bn, its assets grew 46.6%. In the year to , deposits at PlainsCapital Bank rose 1.6% while its total assets rose 2.2%. At , PlainsCapital Bank employed 2,290 full-time equivalent staff across 57 offices, about $5.5 mn of assets per employee and $186.9 mn of deposits per office.
How much funding at PlainsCapital Bank is uninsured?
At PlainsCapital Bank, uninsured deposits (above the FDIC limit) made up 53.89% of domestic deposits at (+3.87 pp on a year earlier); PlainsCapital Bank ranks 54th of 500 on this measure. In dollars, PlainsCapital Bank estimated $5.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $10.7 bn | +1.6% | 138th of 499 |
| Net loans and leases | $9.2 bn | +7.2% | 134th of 500 |
| Loan-to-deposit ratio | 86.21% | +4.46 pp | 259th of 500 |
| Tier 1 leverage ratio | 9.73% | -0.98 pp | 338th of 500 |
| Total risk-based capital ratio | 13.47% | -2.81 pp | 308th of 448 |
| Net interest margin | 3.32% | +0.30 pp | 343rd of 500 |
| Return on assets (ROA) | 1.11% | +0.05 pp | 338th of 500 |
| Efficiency ratio | 74.95% | +0.83 pp | 464th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $58.5 mn | Narrowed by $9.2 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $67.8 mn | Narrowed by $12.3 mn | |
| Noncurrent loans to total loans | 1.03% | -0.14 pp | 367th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.17% | +0.04 pp | 317th of 500 (1 = lowest) |
US rank of PlainsCapital Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
PlainsCapital Bank: assets, deposits and loans
- Total assets $12.7bn
- Deposits $10.7bn
- Net loans $9.2bn
Capital and securities
The CET1 ratio of PlainsCapital Bank stood at 12.50% in , -2.58 pp year on year. Low and high at PlainsCapital Bank since : 12.50% () to 16.00% (). Equity capital of PlainsCapital Bank at : $1.4 bn, or 10.7% of total assets. PlainsCapital Bank also reported a total capital ratio of 13.47% for , and a tier 1 leverage ratio of 9.73%.
On held-to-maturity securities, PlainsCapital Bank carried an unrealized loss of $58.5 mn at , equal to 4.3% of equity capital. The loss narrowed by $9.2 mn over the year. Its deepest point: $121.7 mn in . The available-for-sale portfolio of PlainsCapital Bank showed an unrealized loss of $67.8 mn at ; the loss narrowed by $12.3 mn over the year.
PlainsCapital Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.7%
PlainsCapital Bank: unrealized securities gains and losses
- Available for sale -$68mn
- Held to maturity -$58mn
Profitability and loan quality
For the year to , PlainsCapital Bank earned a return on equity of 9.99%; return on assets: 1.11%. Net interest margin at PlainsCapital Bank: 3.32%, +0.30 pp in a year. PlainsCapital Bank net income: $70.3 mn, up 2.6% year on year. The efficiency ratio of PlainsCapital Bank was 74.95%: about 75 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 1.03% of total loans at PlainsCapital Bank; net charge-offs: 0.17% of average loans. Gross loans and leases at PlainsCapital Bank: $9.3 bn, up 6.9% in a year.
PlainsCapital Bank: profitability
- Return on equity 10.0%
- Net interest margin 3.3%
- Return on assets 1.1%
Peer group of PlainsCapital Bank
The peer group of PlainsCapital Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of PlainsCapital Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Texas. Against them, PlainsCapital Bank shows CET1 ratio 12.50% against a peer median of 15.04%, return on equity 9.99% against a peer median of 13.64% and uninsured deposit share 53.89% against a peer median of 27.95%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Bank | State member bank | NC | $13.0 bn | 14.69% | 11.56% | 41.00% | |
| BancFirst | State member bank | OK | $12.8 bn | 17.11% | 15.71% | 27.08% | |
| Dollar Bank, Federal Savings Bank | Federal savings bank | PA | $12.7 bn | 15.38% | 5.92% | 28.83% | |
| PlainsCapital Bank | State member bank | TX | $12.7 bn | 12.50% | 9.99% | 53.89% | |
| The Park National Bank | National bank | OH | $12.6 bn | 12.24% | 16.37% | 22.29% | |
| NBH Bank | State member bank | CO | $12.5 bn | 12.27% | 8.40% | 30.37% | |
| Happen Bank | National bank | UT | $12.5 bn | 15.57% | 15.94% | 11.97% | |
. FDIC Call Reports.
Last eight quarters
Two years at PlainsCapital Bank, to : assets -4.2%, deposits -2.6%, equity -7.8%. Staff 2,363 to 2,290; offices 58 to 57.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $13.2 bn | $13.3 bn | $12.9 bn | $12.4 bn | $12.6 bn | $12.7 bn | $12.4 bn | $12.7 bn |
| Total deposits | $10.9 bn | $11.3 bn | $10.9 bn | $10.5 bn | $10.7 bn | $10.9 bn | $10.7 bn | $10.7 bn |
| Bank equity capital | $1.5 bn | $1.5 bn | $1.5 bn | $1.5 bn | $1.5 bn | $1.5 bn | $1.4 bn | $1.4 bn |
| CET1 ratio | 14.94% | 15.35% | 15.06% | 15.08% | 14.81% | 14.49% | 12.71% | 12.50% |
| Return on equity (ROE) | 6.74% | 7.21% | 6.20% | 9.25% | 9.38% | 9.06% | 9.37% | 9.99% |
| Uninsured share of domestic deposits | 48.45% | 50.70% | 51.35% | 50.02% | 53.29% | 54.15% | 55.31% | 53.89% |
| Full-time equivalent employees | 2,363 | 2,357 | 2,349 | 2,351 | 2,284 | 2,285 | 2,256 | 2,290 |
| Number of offices | 58 | 58 | 58 | 58 | 58 | 58 | 57 | 57 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of PlainsCapital Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed The Bank of River Oaks (FDIC certificate 58142).
Questions and identifiers
What were the total assets of PlainsCapital Bank?
PlainsCapital Bank reported $12.7 bn at in its Call Report. That makes PlainsCapital Bank the 139th largest of 497 banks in our US coverage.
Is PlainsCapital Bank the same as its holding company?
No. This page covers PlainsCapital Bank, FDIC certificate 17491; DIAMOND HTH STOCK CO GP LLC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is PlainsCapital Bank profitable?
PlainsCapital Bank reported net income of $70.3 mn for the year to ; annualized return on equity: 9.99%. So yes: PlainsCapital Bank made a profit over these months.
When is data for PlainsCapital Bank next updated?
Figures from PlainsCapital Bank for are due after .
Where can I check the figures for PlainsCapital Bank?
In the FDIC BankFind Suite record for certificate 17491, and in the Call Reports of PlainsCapital Bank (RSSD ID 637451) at the FFIEC Central Data Repository.