PlainsCapital Bank
University Park, Texas, Dallas County
$12.7B in total assets, the 144th largest of 4,309 US banks and 9th of 352 headquartered in Texas.
- FDIC certificate
- 17491
- Established
- 1955
- Owned by
- Diamond Hth Stock Co Gp Llc
- Primary regulator
- FED
- Website
- www.plainscapital.com
At a glance
Compared with 11 banks headquartered in Texas with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $12.7B | 36% | $15.2B | |
| Loans | $9.3B | 54% | $8.4B | |
| Deposits | $10.7B | 36% | $13.3B | |
| Return on assets | 1.09% | 27% | 1.43% | |
| Net interest margin | 3.32% | 27% | 3.62% | |
| Efficiency ratio | 75.0% | 91% | 49.6% | |
| Equity to assets | 10.75% | 46% | 10.79% | |
| Loans to deposits | 87% | 91% | 79% |
Growth
Total assets grew -2.2% a year over the last 5 years and 3.5% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 2018 | The Bank of River Oaks Houston, TX | $438M |
| Jan 2015 | Southwest Securities , FSB Dallas, TX | $1.2B |
| Sep 2013 | First National Bank Edinburg, TX | $3.1B |
| Jan 2003 | Whisperwood National Bank Lubbock, TX | $83M |
| Jan 2001 | City National Bank Austin, TX | $25M |
Where they operate
55 branches in 15 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Dallas County, TX | $2.8B | 0.8% | 15 of 109 |
| Lubbock County, TX | $2.0B | 15.3% | 2 of 28 |
| Travis County, TX | $1.2B | 2.2% | 9 of 56 |
| Tarrant County, TX | $836M | 1.3% | 15 of 74 |
| Hidalgo County, TX | $806M | 5.0% | 10 of 20 |
| Harris County, TX | $653M | 0.2% | 30 of 87 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 11 branches since 2016 (66 to 55, −16.7%). 15 opened, 3 acquired, 29 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 66 | |||
| 2016 | Sold 1 branch to Spirit of Texas Bank, SSBOpened 3 in Texas, closed Lubbock | 3 | 3 | 0 | 66 |
| 2017 | Sold 2 branches to Falcon International BankOpened Frisco, closed Austin | 2 | 3 | −1 | 65 |
| 2018 | Acquired The Bank of River OaksSold 1 branch to Western Heritage Bank, opened Arlington and Houston, closed 4 in Texas | 5 | 5 | 0 | 65 |
| 2019 | Opened 4 in TexasClosed 5 in Texas | 4 | 5 | −1 | 64 |
| 2020 | Sold 2 branches to Investar Bank, National AssociationOpened Shenandoah, closed Austin and Dallas | 1 | 4 | −3 | 61 |
| 2021 | Closed Edinburg and Houston | 0 | 2 | −2 | 59 |
| 2022 | Opened Denton | 1 | 0 | +1 | 60 |
| 2023 | Closed Lubbock | 0 | 1 | −1 | 59 |
| 2024 | Opened DentonClosed 4 in Texas | 1 | 4 | −3 | 56 |
| 2026 through Q2 | Opened Corpus ChristiClosed Corpus Christi and Lubbock | 1 | 2 | −1 | 55 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 36% | 21% | |
| 1-4 family residential | 31% | 20% | |
| Business (C&I) | 11% | 18% | |
| Construction and land | 11% | 9% | |
| Multifamily | 4% | 6% | |
| Farmland | 1% | 1% | |
| Consumer | 0% | 4% | |
| Agricultural | 0% | 1% | |
| Other | 6% | 20% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 63% | 64% | |
| Noninterest-bearing | 26% | 25% | |
| Time deposits | 11% | 11% |
Brokered deposits are 0.1% of deposits (peers 2.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.90% | 0.70% |
| Net charge-offs, annualized | 0.17% | 0.14% |
| Reserves to loans | 0.91% | 1.26% |
| Leverage ratio | 9.73% | 10.67% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Dallas County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/plainscapital