Bank Comparison
Plainscapital Bank vs Nexbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Plainscapital Bank | Nexbank |
|---|---|---|
| CET1 Ratio | 12.72% | 15.17% |
| Tier 1 Capital Ratio | 12.72% | 15.17% |
| Total Capital Ratio | 13.77% | 15.67% |
| Tier 1 Leverage Ratio | 9.54% | 9.29% |
| Equity / Assets | 10.87% | 8.76% |
Profitability
| Metric | Plainscapital Bank | Nexbank |
|---|---|---|
| Return on Assets (ROA) | 1.07% | 1.32% |
| Return on Equity (ROE) | 9.37% | 14.63% |
| Net Interest Margin (NIM) | 3.31% | 2.32% |
| Yield on Earning Assets | 5.05% | 5.07% |
| Cost of Funds | 1.87% | 2.68% |
Asset quality
| Metric | Plainscapital Bank | Nexbank |
|---|---|---|
| Texas Ratio | 13.43% | 15.78% |
| Non-Performing Loan Ratio | 1.23% | 1.26% |
| Non-Performing Asset Ratio | 0.95% | 1.15% |
| Net Charge-Off Ratio | 0.19% | 0.00% |
| ACL / Loans | 1.00% | 0.43% |
Balance sheet
| Metric | Plainscapital Bank | Nexbank |
|---|---|---|
| Total Assets | $12,440M | $13,442M |
| Total Deposits | $10,680M | $10,320M |
| Total Loans | $8,880M | $9,260M |
| Total Equity | $1,352M | $1,177M |
| Net Income (quarter) | $33,474K | $43,633K |
Liquidity & funding
| Metric | Plainscapital Bank | Nexbank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.15% | 89.73% |
| Core Deposit Ratio | 94.63% | 98.59% |
| Uninsured Deposit Ratio | 55.31% | 13.19% |
Identity
| Metric | Plainscapital Bank | Nexbank |
|---|---|---|
| Headquarters City | UNIVERSITY PARK | DALLAS |
| Headquarters State | TX | TX |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 58 | 3 |
| Employees (FTE) | 2,256 | 103 |
| Established | Sept. 15, 1955, midnight | Nov. 30, 1934, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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