Plainscapital Bank
Capital moved notably last quarter — CET1 ratio of 12.72% was down 178bps from the prior quarter. Headquartered in University Park, TX, Plainscapital Bank operates as a regional commercial bank with multi-state coverage, during the postwar banking-system expansion. Plainscapital's Q1 2026 balance sheet shows $12.4B in assets funded primarily by $10.7B in customer deposits. Profitability tracks the broader industry — ROA 1.07%, ROE 9.37%, NIM 3.31%. Capital is comfortably above regulatory minimums — CET1 ratio of 12.72% sits well above the 7% well-capitalized threshold. Credit metrics are in line with industry norms — 1.23% NPL ratio. Plainscapital operates a 58-branch network.
Headquarters Profile
- Address
- 6565 Hillcrest Ave, UNIVERSITY PARK, TX 75205
- County
- Dallas
- Metro Area
- LUBBOCK, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 13
- Established
- September 15, 1955
- Branches
- 58 domestic
- Employees (FTE)
- 2256
- FDIC Cert
- 17491
- Fed RSSD
- 637451
- Website
- www.plainscapital.com →
- Parent Holding Company
- PLAINSCAPITAL CORPORATION (RSSD 4414137)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Plainscapital Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in FDIC Assisted MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events.
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Frequently asked about Plainscapital Bank
What are Plainscapital Bank's total assets?
As of the Q1 2026 filing, Plainscapital Bank reported total assets of $12.44 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 FED. 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 12.72% in its most recent quarterly filing — above regulatory minimums.
How many branches does Plainscapital Bank operate?
Plainscapital Bank operates 58 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Plainscapital Bank's Texas Ratio?
Plainscapital Bank's Texas Ratio is 13.43% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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