TellerScore

Headquartered in University Park, Texas, PlainsCapital Bank is a state-chartered bank (fed member) with $12.7B in total assets and $10.7B in deposits as of Q2 2026. It operates 57 offices. Its charter dates back to 1955.

Based on its Q2 2026 filing, PlainsCapital Bank scores 57/100, which we describe as moderate. That is higher than only 17% of 132 banks with $10 billion – $100 billion. Among 349 banks headquartered in Texas, it ranks 312th. Its strongest component is problem-loan coverage (86/100; 7.1%), and its lowest is funding & liquidity (31/100; 86% loans-to-deposits, 54% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.73%
Loan quality66/100
Noncurrent loans ÷ total loans: 1.03%
Earnings65/100
Return on assets (annualized): 1.11%
Funding & liquidity31/100
Loans ÷ deposits and uninsured-deposit share: 86.2% · 53.9% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (59 → 57), mostly because the capital cushion component weakened by 10 points.

TellerScore
435260Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202443
Q4 202455
Q1 202555
Q2 202559
Q3 202560
Q4 202560
Q1 202655
Q2 202657
Tier 1 leverage ratio
5.00%8.18%11.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.36%
Q3 202410.34%
Q4 20249.99%
Q1 202510.22%
Q2 202510.71%
Q3 202510.74%
Q4 202510.60%
Q1 20269.54%
Q2 20269.73%
Noncurrent loans
0.98%1.85%2.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.51%
Q3 20242.71%
Q4 20241.31%
Q1 20251.26%
Q2 20251.17%
Q3 20251.10%
Q4 20250.98%
Q1 20261.14%
Q2 20261.03%
Return on assets
0.70%0.90%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.79%
Q4 20240.84%
Q1 20250.70%
Q2 20251.06%
Q3 20251.09%
Q4 20251.05%
Q1 20261.06%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$12.7B9.73%1.03%1.11%86.2%
Q1 202655$12.4B9.54%1.14%1.06%82.3%
Q4 202560$12.7B10.60%0.98%1.05%80.9%
Q3 202560$12.6B10.74%1.10%1.09%80.5%
Q2 202559$12.4B10.71%1.17%1.06%81.8%
Q1 202555$12.9B10.22%1.26%0.70%75.9%
Q4 202455$13.3B9.99%1.31%0.84%74.1%
Q3 202443$13.2B10.34%2.71%0.79%77.1%
Q2 202447$12.7B11.36%2.51%0.76%86.1%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.73%
37th
Total risk-based capital13.47%
32nd
Problem loans1.03%
23rd
Net charge-offs0.17%
41st
Return on assets1.11%
37th
Net interest margin3.32%
36th
Efficiency ratio75.0%
5th
Loans to deposits86.2%
48th
Uninsured deposits53.9%
10th
Loan-loss reserves0.91%
24th
Texas ratio7.1%
20th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
NexBankBank Dallas, TX56 out of 100, Moderate$14.2B9.1%1.47%vs
Charles Schwab Trust BankBank Westlake, TX88 out of 100, Very strong$10.5B10.9%0.00%vs
Amarillo National BankBank Amarillo, TX62 out of 100, Moderate$10.4B10.7%1.54%vs
International Bank of CommerceBank Laredo, TX69 out of 100, Moderate$10.2B19.0%2.21%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
Sunflower Bank, National AssociationBank Dallas, TX51 out of 100, Below average$15.7B10.3%1.63%vs

Deposit insurance

Is my money safe at PlainsCapital Bank?

Yes. PlainsCapital Bank is an FDIC-insured institution (FDIC certificate #17491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 53.9% of deposits ($5.7B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.47% (benchmark: 10%).

Check how much of your own balance is covered

57 locations

Branches

PlainsCapital Bank lists 54 offices in 29 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, PlainsCapital Bank reported 130 home-loan applications under HMDA (LEI 549300OBLIP1F3NM5751): 101 originated ($260,955,000 total), 14 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
PlainsCapital Bank
Former names
Plains National Bank; PNB Financial Bank; The Plains National Bank of West Texas; The Plains National Bank of Lubbock
Type
State-chartered bank (Fed member)
FDIC certificate #
17491
RSSD ID
637451
Primary regulator
FED
Holding company
Diamond Hth Stock Co Gp Llc
Established
September 15, 1955
Headquarters
6565 Hillcrest Ave, University Park, TX 75205
Employees
2,290

Quick answers

PlainsCapital Bank: common questions

Is PlainsCapital Bank FDIC insured?

Yes. PlainsCapital Bank is an FDIC-insured institution (FDIC certificate #17491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is PlainsCapital Bank's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has PlainsCapital Bank ever failed?

There is no failure record for FDIC certificate #17491 in the FDIC failed bank list.

How many branches does PlainsCapital Bank have?

57 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near University Park

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs