PlainsCapital Bank
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Data as of · sourced from FFIEC call reports. How we update
PlainsCapital Bank is an FDIC-insured commercial bank headquartered in University Park, TX, established in 1955 (FDIC certificate 17491), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $12.68B, up 2.2% from Q2 2025, the 9th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.50% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17491
- Headquarters
- University Park, TX
- Established
- 1955
- Total assets, Q2 2026
- $12.68B
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 12.50%
- Domestic offices
- 57 FDIC institution directory, current count
- Routing number
- 111322994
- Latest call report
- Q2 2026, FFIEC 041 · PlainsCapital Bank call report
- Holding company
- PLAINSCAPITAL CORPORATION
- Asset rank in state
- 9th of 346 in Texas
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 1.03% and a Texas ratio of 4.82%. The figures come from its call report filed with the FFIEC.
PlainsCapital Bank ranks as the 9th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $12.68B, loans rose 4.4% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.4%. The FDIC Summary of Deposits lists 55 offices for it, in 29 cities in TX; its Lubbock 8 offices book 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, PlainsCapital Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 57 FDIC institution directory, current count
- 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)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jeremy B Ford | CEO | President & CEO |
| Jonathan S Sobel | CHR | Hilltop Securities Chairman |
| Steve B Thompson | PRES | PrimeLending President and CEO |
| William B Furr | CFO | Chief Financial Officer |
| Corey Prestidge | GC | EVP, General Counsel & Sec. |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, PlainsCapital Bank's total assets ranged from $12.41B (Q2 2025) to $13.43B (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$12.68B total assets against $12.41B; $11.32B total liabilities against $10.90B.
$9.19B net loans and leases against $8.57B; $10.66B total deposits against $10.49B.
$2.13B securities against $2.15B; $721.1M cash and balances due against $953.3M.
$150.5M total interest income against $157.9M; $51.7M total interest expense against $64.6M.
$98.8M net interest income against $93.3M.
$90.8M total noninterest income against $100.5M; $142.4M total noninterest expense against $141.8M.
-$2.0M provision for credit losses against -$6.2M.
$36.8M net income against $45.7M.
1.19% return on assets against 1.44%; 3.35% net interest margin against 3.10%.
12.50% CET1 capital ratio against 15.08%; 9.73% tier 1 leverage ratio against 10.71%.
Inside the full PlainsCapital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 138 of 4,196, for total assets; its furthest is 3,041 of 3,606, for efficiency ratio.
Metric pages for PlainsCapital Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q1 2025) to 1.44% (Q2 2025) and its net interest margin ran from 2.83% (Q4 2024) to 3.35% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.50% | 1.19% | 1.03% | 4.82% | 3.35% |
| Q1 2026 | 12.71% | 1.07% | 1.14% | 5.56% | 3.31% |
| Q4 2025 | 14.49% | 0.96% | 0.98% | 4.54% | 3.19% |
| Q3 2025 | 14.81% | 1.14% | 1.10% | 5.47% | 3.16% |
| Q2 2025 | 15.08% | 1.44% | 1.17% | 5.86% | 3.10% |
| Q1 2025 | 15.06% | 0.70% | 1.26% | 6.51% | 2.85% |
| Q4 2024 | 15.35% | 0.96% | 1.31% | 6.67% | 2.83% |
| Q3 2024 | 14.94% | 0.87% | 2.71% | 7.08% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
View all 55 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired Whisperwood National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2003 | M&A | Acquired Whisperwood 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 |
| January 2, 2001 | M&A | Acquired City National Bank merger for the acquired bank | SEC |
| 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
Facts as filed or published, not a rating.
- 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 441 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
- 23 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is PlainsCapital Bank headquartered?
It is headquartered in University Park, TX, United States.
When was PlainsCapital Bank founded?
It was established in 1955, per the FDIC institution directory.
Is PlainsCapital Bank FDIC-insured?
Yes. It 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.
What is PlainsCapital Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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