Texas Capital Bank

2000 McKinney Avenue, Suite 700
Dallas, TX 75201
214-932-6600
www.texascapitalbank.com

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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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See Rates for: Checking | Savings | Money Market | CD | IRA

Texas Capital Bank Checking Account Rates

Apy	Min	Max	Product
0.05%	$500	-	Checking with Interest
0.05%	-	-	Premier Checking with Interest

Texas Capital Bank Savings Account Rates

Apy	Min	Max	Product
0.05%	-	$2,500	Savings
0.05%	-	$2,500	Minor's Savings

Texas Capital Bank Money Market Rates

Apy	Min	Max	Product
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 CD Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
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

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Texas Capital Bank, National Association
FDIC Certificate #	34383
BankRate Report	View
Year Established	1997
Employees	781
Primary Regulator	OCC
Assets and Liabilities
Assets	$7.70 billion
Loans	$7.14 billion
Deposits	$5.52 billion
Equity Capital	$654.90 million
Loan Loss Allowance	$67.90 million
Unbacked Noncurrent Loans	$67.07 million
Real Estate Owned	$35.80 million
Historic Data - September 2010
Assets	$6.33 billion
Equity Capital	$528.43 million
Loan Loss Allowance	$75.66 million
Unbacked Noncurrent Loans	$127.80 million
Real Estate Owned	$38.65 million
Profit Margin - Quarterly
Net Interest Margin	4.52%
Return on Assets	1.05%
Return on Equity	12%
Interest Income	$229.30 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
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 September 30, 2011 Texas Capital Bank had $102.86 million in non-current loans and owned real-estate with $722.8 million in equity and loan loss allowances on hand to cover it. This gives Texas Capital Bank a Texas Ratio of 14.23% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Texas Capital Bank decreased significantly from 27.39% as of September 30, 2010 to 14.23% as of September 30, 2011, resulting in a positive change of 48.05%.This indicates that the balance sheet and financial strength for Texas Capital Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Texas Capital Bank has increased its total deposits by $22.68 million, resulting in 0.41% 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 average.
Capitalization
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 $7.7 billion in assets with $722.8 million in equity, resulting in a capitalization level of 9.39%, which is average.

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