Texas Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Capital Bank of Dallas, TX against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.11% | 1.35% | -0.24% | 34th below |
| ROAE | 10.35% | 12.30% | -1.95% | 42nd below |
| Net Interest Margin | 3.35% | 3.68% | -0.33% | 35th below |
| Efficiency Ratio | 56.62% | 53.79% | +2.83% | 37th below |
| PPNR / Avg Assets | 1.65% | 1.96% | -0.31% | 40th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.47% | 5.57% | -0.10% | 61st above |
| Cost of Funds | 2.41% | 1.99% | +0.42% | 25th below |
| Net Interest Spread | 2.26% | 2.98% | -0.72% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.72% | 1.05% | -0.33% | 62nd above |
| NPA / Total Assets | 0.53% | 0.76% | -0.23% | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.26% | 0.36% | -0.10% | 25th below |
| ACL / Total Loans | 1.08% | 1.38% | -0.30% | 39th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 149.99% | 210.46% | -60.47% | 52nd above |
| Texas Ratio | 4.88% | 10.28% | -5.40% | 65th above |
| Provision / NCO | 93.16% | 107.54% | -14.38% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.35% | 14.77% | -2.42% | 36th below |
| Tier 1 Ratio | 12.35% | 14.88% | -2.53% | 35th below |
| Total Capital Ratio | 13.53% | 16.10% | -2.57% | 31st below |
| Leverage Ratio | 10.67% | 10.26% | +0.41% | 63rd above |
| Equity / Assets | 10.13% | 11.56% | -1.43% | 30th below |
| TCE / Tangible Assets | 10.13% | 9.47% | +0.66% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 84.92% | 83.88% | +1.04% | 56th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.86% | 86.76% | +0.10% | 34th below |
| Uninsured Deposit Ratio | 37.66% | 38.95% | -1.29% | 57th above |
| Wholesale Funding Ratio | 1.05% | 5.69% | -4.64% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.30% | 10.12% | -3.82% | 55th above |
| Loan Growth (Y/Y) | 4.27% | 10.17% | -5.90% | 41st below |
| Deposit Growth (Y/Y) | 10.73% | 9.94% | +0.79% | 73rd above |
See Texas Capital Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas Capital Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Texas Capital Bank profile, how to read a UBPR, or how this data updates.