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.

From Q2 2025 to Q2 2026, the score rose 2 points (65 → 67), mostly because the funding & liquidity component improved by 9 points.

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

Similar-size banks in Texas

Yes. Texas Capital Bank is an FDIC-insured institution (FDIC certificate #34383). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.7% of deposits ($11.1B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.53% (benchmark: 10%).

Check how much of your own balance is covered

Texas Capital Bank lists 9 offices in 7 cities. Most locations:

• Dallas, TX (2)
• Houston, TX (2)
• Austin, TX (1)
• Fort Worth, TX (1)
• Plano, TX (1)
• San Antonio, TX (1)
• Southlake, TX (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 140 consumer complaints about TEXAS CAPITAL BANCSHARES, INC. to the company (74 in the last 12 months). 100.0% received a timely response. That is 4.8 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Texas Capital Bank reported 50 home-loan applications under HMDA (LEI 38PG5GG0OEQK4QMSKE59): 43 originated ($714,215,000 total), 2 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.4%, 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.

Legal name

Texas Capital Bank

Former names

Texas Capital Bank, National Association; Resource Bank, National Association

Type

State-chartered bank (Fed member)

FDIC certificate #

34383

RSSD ID

2618780

Primary regulator

FED

Holding company

Texas Capital Bancshares Inc

Established

October 3, 1997

Headquarters

2000 Mckinney Ave, Dallas, TX 75201

Website

www.texascapitalbank.com

Employees

1,743