PlainsCapital Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
PlainsCapital Bank spends more to run itself than most banks of its size. It reported $12.7 billion in assets at June 30, 2026, up 2.2% from a year earlier. It spends about 75 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 53 cents). It also holds about half of its deposits (54%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 38.6%).
Net income for the quarter slipped 19% from a year earlier, to $37 million. Over the same year, loans grew 6.9% and deposits grew 1.6%.
As of June 30, 2026, PlainsCapital Bank reported a CET1 capital ratio of 12.50%, a return on assets of 1.19%, a nonperforming-loan ratio of 1.17% and a Texas ratio of 4.82%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 6565 Hillcrest Ave, University Park, TX 75205
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 15, 1955
- Former names
- PNB Financial Bank (1999-2003); Plains National Bank (1998-1999); The Plains National Bank of West Texas (1994-1998)
- Offices
- 57 domestic
- Employees (FTE)
- 2,290
- Domestic deposits
- $10.66B
- Allowance for credit losses
- $84.8M
- Net charge-offs (YTD)
- $7.5M
- Average total assets
- $12.39B
- Average total loans
- $9.05B
- Average interest-bearing deposits
- $7.63B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 15, 1955
- FDIC Cert
- 17491
- Fed RSSD
- 637451
- SEC CIK
- 1718156 → filed by DIAMOND HTH STOCK COMPANY GP, LLC
- Website
- www.plainscapital.com →
- Parent Holding Company
- PLAINSCAPITAL CORPORATION (RSSD 4414137)
- Ultimate Parent
- DIAMOND HTH STOCK COMPANY GP, LLC (RSSD 5213690)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full PlainsCapital Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock PlainsCapital Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
PlainsCapital Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.50% | 1.19% | 1.17% | 4.82% | 3.35% |
| Q1 2026 | 12.71% | 1.07% | 1.23% | 5.56% | 3.31% |
| Q4 2025 | 14.49% | 0.96% | 1.20% | 4.54% | 3.19% |
| Q3 2025 | 14.81% | 1.14% | 1.27% | 5.47% | 3.16% |
| Q2 2025 | 15.08% | 1.44% | 1.10% | 5.86% | 3.10% |
| Q1 2025 | 15.06% | 0.70% | 1.26% | 6.51% | 2.85% |
| Q4 2024 | 15.35% | 0.96% | 1.36% | 6.67% | 2.83% |
| Q3 2024 | 14.94% | 0.87% | 1.26% | 7.08% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 55 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| University Avenue Branch | Lubbock , TX | 79413 | $1.69B |
| PlainsCapital Bank (main office) | University Park , TX | 75205 | $1.33B |
| West 5th Street Branch | Austin , TX | 78701 | $780.1M |
| Weatherford Branch | Weatherford , TX | 76086 | $525.4M |
| Turtle Creek Branch | Dallas , TX | 75219 | $455.5M |
| Roundrock Branch | Round Rock , TX | 78681 | $391.8M |
| Pcb Victory Park Branch | Dallas , TX | 75219 | $390.6M |
| Austin Westlake Branch | Austin , TX | 78746 | $372.3M |
| Preston Center Branch | Dallas , TX | 75225 | $365.8M |
| Houston - Woodway Branch | Houston , TX | 77056 | $298.7M |
| Fort Worth Camp Bowie Branch | Fort Worth , TX | 76107 | $250.0M |
| Trenton Branch | Mcallen , TX | 78504 | $249.8M |
| Fort Worth Downtown Branch | Fort Worth , TX | 76102 | $240.2M |
| River Oaks Branch | Houston , TX | 77098 | $204.1M |
| Corpus North Shoreline Branch | Corpus Christi , TX | 78401 | $172.2M |
| North Collins Branch | Arlington , TX | 76011 | $172.1M |
| First National Bank Branch - Edinburg | Edinburg , TX | 78539 | $154.2M |
| Richmond Avenue Branch | Houston , TX | 77098 | $145.1M |
| Desoto | Desoto , TX | 75115 | $139.1M |
| Frisco the Star Branch | Frisco , TX | 75034 | $138.7M |
| Pcb Mansfield Branch | Mansfield , TX | 76063 | $134.8M |
| North Dallas Branch | Dallas , TX | 75252 | $131.7M |
| San Antonio Stone Oak Branch | San Antonio , TX | 78258 | $119.0M |
| Baylor Branch | Dallas , TX | 75246 | $113.5M |
| Mission Branch | Mission , TX | 78572 | $108.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2018 | M&A | Acquired The Bank of River Oaks merger for the acquired bank | SEC |
| August 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2018 | Structure Change | Acquired The Bank of River Oaks Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2015 | M&A | Acquired Southwest Securities , FSB merger for the acquired bank | SEC |
| January 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2015 | Structure Change | Acquired Southwest Securities , FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 14, 2013 | M&A | Acquired First National Bank failure_government_assistance_provided for the acquired bank | SEC |
| September 14, 2013 | Structure Change | Acquired First National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 13, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2003 | M&A | Acquired Whisperwood National Bank merger for the acquired bank | SEC |
| January 2, 2003 | Structure Change | Acquired Whisperwood National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2001 | M&A | Acquired City National Bank merger for the acquired bank | SEC |
| January 2, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2001 | Structure Change | Acquired City National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1997 | M&A | Acquired Plains Service Corporation merger for the acquired bank | SEC |
| December 31, 1997 | Structure Change | Acquired Plains Service Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 17 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for PlainsCapital Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 5 against individuals associated with it
- Period: Most recent action March 19, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in TX, rank 18 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 466 applications, 101 loans originated, $261.0M originated, across 44 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 107 loans, $37.7M approved, $353K average. 1.87% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about PlainsCapital Bank
What are PlainsCapital Bank's total assets?
As of the Q2 2026 filing, PlainsCapital Bank reported total assets of $12.68 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is PlainsCapital Bank headquartered?
PlainsCapital Bank is headquartered in University Park, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was PlainsCapital Bank founded?
PlainsCapital Bank was established in 1955, per the FDIC institution directory.
Is PlainsCapital Bank FDIC-insured?
Yes. PlainsCapital Bank is an FDIC-insured commercial bank (FDIC Certificate #17491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PlainsCapital Bank?
PlainsCapital Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is PlainsCapital Bank's CET1 capital ratio?
PlainsCapital Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.50% in its Q2 2026 call report, above regulatory requirements.
How many branches does PlainsCapital Bank operate?
PlainsCapital Bank operates 57 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is PlainsCapital Bank's Texas Ratio?
PlainsCapital Bank's Texas Ratio is 4.82% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was PlainsCapital Bank previously called?
The charter now named PlainsCapital Bank has also operated as PNB Financial Bank (1999-2003), Plains National Bank (1998-1999), The Plains National Bank of West Texas (1994-1998), per FDIC structure-change records.
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