PLAINSCAPITAL BANK

UNIVERSITY PARK, TX | Regional | Est. Sept. 15, 1955, midnight | FDIC #17491 | RSSD #637451 | FED
Latest Report: 2025-12-31

PLAINSCAPITAL BANK is arn regional FDIC-insured commercial bank headquartered in UNIVERSITY PARK, TX, established in Sept. 15, 1955, midnight. As of 2025-12-31, the bank reported total assets of $12.7B and total deposits of $10.9B. Profitability stands at 0.96% ROA and 8.11% ROE, with a net interest margin of 3.35%. The bank's CET1 capital ratio is 14.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.60% and a Texas Ratio of 3.85%. FDIC Certificate #17491.

Assets

$12.7B

Deposits

$10.9B

Loans

$8.9B

Equity

$1.5B

Profitability

Return on Assets (ROA) 0.96%
Return on Equity (ROE) 8.11%
Net Interest Margin (NIM) 3.35%
Yield on Assets 5.33%
Cost of Funds 2.71%

Asset Quality

NPL Ratio 0.60%
Net Charge-Off Ratio 0.19%
Texas Ratio 3.85%
NPA Ratio 0.48%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 14.49%
Tier 1 Capital 14.49%
Total Capital Ratio 15.60%
Leverage Ratio 10.60%
Loan-to-Deposit 81.71%

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