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Overview / Commentary
214-932-6600
2000 McKinney Avenue, Suite 700
Dallas, TX 75201

Texas Capital Bank, the principal subsidiary of Texas Capital Bancshares, is a commercial bank that delivers highly personalized financial services to Texas-based businesses with more than $5 million in annual revenue.

They recognize the inherent link between business and personal wealth. So they created a full-service private client group to serve individuals, families and their business interests. They manage the personal wealth of Texans with net worth of more than $1 million.

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Health

Data for Q1 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 March 31, 2014 Texas Capital Bank had $51.53 million in non-current loans and owned real-estate with $1.12 billion in equity and loan loss allowances on hand to cover it. This gives Texas Capital Bank a Texas Ratio of 4.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Texas Capital Bank decreased dramatically from 6.97% as of March 31, 2013 to 4.61% as of March 31, 2014, resulting in a positive change of 33.84%.This indicates that the balance sheet and financial strength for Texas Capital Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Texas Capital Bank has increased its total deposits by $1.96 billion, resulting in 24.78% 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 Texas Capital Bank has shown is excellent.

Capitalization

GRADE:
C+

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. Texas Capital Bank has $12.14 billion in assets with $1.12 billion in equity, resulting in a capitalization level of 9.21%, which is average.

Institution Statistics

Overall
FDIC Certificate #34383
Year Established1997
Employees1058
Primary RegulatorOCC
Assets and Liabilities
Assets$12.14 billion
Loans$11.53 billion
Deposits$9.86 billion
Equity Capital$1.03 billion
Loan Loss Allowance$90.23 million
Unbacked Noncurrent Loans$49.11 million
Real Estate Owned$2.42 million
Historic Data - March 2013
Assets$10.01 billion
Equity Capital$907.60 million
Loan Loss Allowance$75.00 million
Unbacked Noncurrent Loans$49.11 million
Real Estate Owned$14.43 million
Profit Margin - Quarterly
Net Interest Margin3.71%
Return on Assets0.93%
Return on Equity10.95%
Interest Income$116.95 million
Rates

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

Texas Capital Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%-$2,500Savings
0.05%-$2,500Minor's Savings

Texas Capital Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$1m-Premier Money Market Account
0.15%$1m-Money Market IRA
0.15%$1m-Money Market Roth IRA
0.15%$1m-Money Market CESA
0.15%$1m-Money Market SEP IRA
0.05%$500-Money Market Account
0.05%$500-Commercial Money Market Account

Texas Capital Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$500-Checking with Interest
0.05%--Premier Checking with Interest

Texas Capital Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.25%$1k-180 Day CD
0.25%$1k-12 Month CD
0.25%$1k-18 Month CD
0.25%$1k-24 Month CD
0.25%$1k-30 Month CD
0.25%$1k-36 Month CD
0.25%$1k-48 Month CD
0.25%$1k-60 Month CD
0.25%$1k-Premier Interest 180 Day CD
0.25%$1k-Premier Interest 12 Month CD
0.25%$1k-Premier Interest 18 Month CD
0.25%$1k-Premier Interest 24 Month CD
0.25%$1k-Premier Interest 30 Month CD
0.25%$1k-Premier Interest 36 Month CD
0.25%$1k-Premier Interest 48 Month CD
0.25%$1k-Premier Interest 60 Month CD
0.20%$1k-90 Day CD
0.20%$1k-Premier Interest 90 Day CD
0.10%$1k-30 Day CD
0.10%$1k-Premier Interest 30 Day CD

Texas Capital Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.25%$1k-180 Day IRA
0.25%$1k-12 Month IRA
0.25%$1k-18 Month IRA
0.25%$1k-24 Month IRA
0.25%$1k-30 Month IRA
0.25%$1k-36 Month IRA
0.25%$1k-48 Month IRA
0.25%$1k-60 Month IRA
0.25%$1k-Premier Interest 180 Day IRA
0.25%$1k-Premier Interest 12 Month IRA
0.25%$1k-Premier Interest 18 Month IRA
0.25%$1k-Premier Interest 24 Month IRA
0.25%$1k-Premier Interest 30 Month IRA
0.25%$1k-Premier Interest 36 Month IRA
0.25%$1k-Premier Interest 48 Month IRA
0.25%$1k-Premier Interest 60 Month IRA
0.20%$1k-90 Day IRA
0.20%$1k-Premier Interest 90 Day IRA
0.10%$1k-30 Day IRA
0.10%$1k-Premier Interest 30 Day IRA
Locations

Texas Capital Bank has 13 locations. Click to view all Texas Capital Bank locations.