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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 121st largest bank in the nation. It was established in 1955 and as of December of 2013, it had grown to 4,355 employees at 84 locations. PlainsCapital Bank has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 PlainsCapital Bank had $95.01 million in non-current loans and owned real-estate with $1.02 billion in equity and loan loss allowances on hand to cover it. This gives PlainsCapital Bank a Texas Ratio of 9.30% 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 increased slightly from 3.30% as of December 31, 2012 to 9.30% as of December 31, 2013, resulting in a negative change of 182.02%. This indicates that the balance sheet and financial strength for PlainsCapital Bank has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, PlainsCapital Bank has increased its total deposits by $2.07 billion, resulting in 44.01% 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 $8.38 billion in assets with $1.02 billion in equity, resulting in a capitalization level of 12.18%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #17491
Year Established1955
Employees4355
Primary RegulatorFED
Assets and Liabilities
Assets$8.38 billion
Loans$5.57 billion
Deposits$6.78 billion
Equity Capital$988.54 million
Loan Loss Allowance$32.64 million
Unbacked Noncurrent Loans$90.20 million
Real Estate Owned$4.81 million
Historic Data - December 2012
Assets$6.68 billion
Equity Capital$831.68 million
Loan Loss Allowance$3.41 million
Unbacked Noncurrent Loans$90.20 million
Real Estate Owned$11.10 million
Profit Margin - Quarterly
Net Interest Margin4.56%
Return on Assets2.03%
Return on Equity16.69%
Interest Income$309.34 million
Rates

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Locations

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