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Overview / Commentary
214-525-9100
2323 Victory Avenue
Dallas, TX 75219

PlainsCapital Bank is headquartered in Dallas and is the 9th largest bank in the state of Texas. It is also the 118st largest bank in the nation. It was established in 1955 and as of June of 2014, it had grown to 4,186 employees at 78 locations. PlainsCapital Bank has a A+ health rating.

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Health

Data for Q2 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 PlainsCapital Bank had $77.19 million in non-current loans and owned real-estate with $1.1 billion in equity and loan loss allowances on hand to cover it. This gives PlainsCapital Bank a Texas Ratio of 7.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for PlainsCapital Bank experienced no significant changes from 3.52% as of June 30, 2013 to 7.01% as of June 30, 2014, resulting in a negative change of 98.77%. This indicates that the balance sheet and financial strength for PlainsCapital Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, PlainsCapital Bank has increased its total deposits by $1.62 billion, resulting in 35.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth PlainsCapital Bank has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. PlainsCapital Bank has $8.85 billion in assets with $1.1 billion in equity, resulting in a capitalization level of 12.45%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #17491
Year Established1955
Employees4186
Primary RegulatorFED
Assets and Liabilities
Assets$8.85 billion
Loans$5.93 billion
Deposits$6.21 billion
Equity Capital$1.06 billion
Loan Loss Allowance$40.55 million
Unbacked Noncurrent Loans$72.84 million
Real Estate Owned$4.35 million
Historic Data - June 2013
Assets$6.84 billion
Equity Capital$871.53 million
Loan Loss Allowance$26.24 million
Unbacked Noncurrent Loans$72.84 million
Real Estate Owned$8.07 million
Profit Margin - Quarterly
Return on Assets1.37%
Return on Equity11.52%
Interest Income$190.09 million
Rates

Always verify rates and promotions with the bank or credit union. We are not PlainsCapital Bank, we are a rate comparison website and can not provide official rates or promotions.

PlainsCapital Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Savings Account

PlainsCapital Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$500k-Money Market

PlainsCapital Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$500k-Premier Checking
0.05%--Preferred Checking
0.05%--Golden Checking
0.05%$1,500-Business Interest Checking

PlainsCapital Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.34%$1k-33 Month CD Special
0.75%$1k-5 Year CD
0.65%$1k-4 Year CD
0.60%$1k-40 Month 3X step-up CD Special
0.55%$1k-3 Year CD
0.50%$1k-2 Year CD
0.50%$1k-30 Month 2X step-up CD Special
0.45%$1k-1 Year CD
0.45%$1k-1 Year CD Variable
0.45%$1k-18 Month step-up extendable CD Special
0.35%$1k-180 - 364 Day CD
0.25%$1k-90 - 179 Day CD
0.15%$1k-60 - 89 Day CD
0.10%$1k-30 - 59 Day CD
0.05%$1k-7 - 29 Day CD

PlainsCapital Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.75%$100-5 Year IRA
0.65%$100-4 Year IRA
0.55%$100-3 Year IRA
0.50%$100-2 Year IRA
0.45%$100-1 Year IRA
Locations

PlainsCapital Bank has 32 locations. Click to view all PlainsCapital Bank locations.