PlainsCapital Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.86 percentage points higher than in Q1 2026, at 87.01%. Within Texas, PlainsCapital Bank is 224th of 345 on return on assets, 1.19% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. PlainsCapital Bank sits 0.11 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.50% |
| Tier 1 risk-based capital ratio | 12.50% |
| Total risk-based capital ratio | 13.47% |
| Tier 1 leverage ratio | 9.73% |
| Equity capital to assets | 10.75% |
| Tangible equity to tangible assets | 8.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.17% |
| Non-performing assets ratio | 0.91% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 13.21% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 78.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 10.85% |
| Net interest margin | 3.35% |
| Efficiency ratio | 74.88% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.01% |
| Core deposits to total deposits | 94.53% |
| Brokered deposits to total deposits | 0.14% |
| Deposits to assets | 84.00% |
| Securities to assets | 16.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.31% | 15.31% | 16.45% | 10.62% | 0.94% |
| Q4 2023 | 15.44% | 15.44% | 16.58% | 10.55% | 0.69% |
| Q1 2024 | 15.87% | 15.87% | 17.06% | 11.00% | 0.76% |
| Q2 2024 | 15.58% | 15.58% | 16.77% | 11.36% | 0.77% |
| Q3 2024 | 14.94% | 14.94% | 16.13% | 10.34% | 0.87% |
| Q4 2024 | 15.35% | 15.35% | 16.54% | 9.99% | 0.96% |
| Q1 2025 | 15.06% | 15.06% | 16.31% | 10.22% | 0.70% |
| Q2 2025 | 15.08% | 15.08% | 16.29% | 10.71% | 1.44% |
| Q3 2025 | 14.81% | 14.81% | 15.96% | 10.74% | 1.14% |
| Q4 2025 | 14.49% | 14.49% | 15.60% | 10.60% | 0.96% |
| Q1 2026 | 12.71% | 12.71% | 13.77% | 9.54% | 1.07% |
| Q2 2026 | 12.50% | 12.50% | 13.47% | 9.73% | 1.19% |
PlainsCapital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock PlainsCapital Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full PlainsCapital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17491) · FFIEC NIC profile (RSSD 637451)