Bank Comparison
Plainscapital Bank vs Veritex Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Plainscapital Bank | Veritex Community Bank |
|---|---|---|
| CET1 Ratio | 12.72% | 11.78% |
| Tier 1 Capital Ratio | 12.72% | 11.78% |
| Total Capital Ratio | 13.77% | 12.86% |
| Tier 1 Leverage Ratio | 9.54% | 11.22% |
| Equity / Assets | 10.87% | 13.86% |
Profitability
| Metric | Plainscapital Bank | Veritex Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.07% | 0.63% |
| Return on Equity (ROE) | 9.37% | 4.58% |
| Net Interest Margin (NIM) | 3.31% | 3.42% |
| Yield on Earning Assets | 5.05% | 6.08% |
| Cost of Funds | 1.87% | 2.95% |
Asset quality
| Metric | Plainscapital Bank | Veritex Community Bank |
|---|---|---|
| Texas Ratio | 13.43% | 12.99% |
| Non-Performing Loan Ratio | 1.23% | 1.84% |
| Non-Performing Asset Ratio | 0.95% | 1.45% |
| Net Charge-Off Ratio | 0.19% | 0.40% |
| ACL / Loans | 1.00% | 1.19% |
Balance sheet
| Metric | Plainscapital Bank | Veritex Community Bank |
|---|---|---|
| Total Assets | $12,440M | $12,714M |
| Total Deposits | $10,680M | $10,814M |
| Total Loans | $8,880M | $9,659M |
| Total Equity | $1,352M | $1,762M |
| Net Income (quarter) | $33,474K | $19,976K |
Liquidity & funding
| Metric | Plainscapital Bank | Veritex Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.15% | 89.32% |
| Core Deposit Ratio | 94.63% | 91.05% |
| Uninsured Deposit Ratio | 55.31% | 45.56% |
Identity
| Metric | Plainscapital Bank | Veritex Community Bank |
|---|---|---|
| Headquarters City | UNIVERSITY PARK | Dallas |
| Headquarters State | TX | TX |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 58 | 34 |
| Employees (FTE) | 2,256 | 858 |
| Established | Sept. 15, 1955, midnight | Jan. 23, 2004, 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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