This bank is in Texas where people are naturally happy, friendly and helpful. I say this as someone who grew up in the Bronx, NY. The personnel at Plains Capital Bank exhibit these characteristics in spades. The tellers and bank officials recognize me, smile and say hello whenever I go to my branch. I have checking and saving accounts plus CD's with this bank. The service I receive in managing these accounts is always efficient and conducted in a pleasant manner. The facility is modern and well kept up. There is even a Buffalo head on the wall (a buffalo is part of Plains Capitals logo). Whenever I go to the bank to conduct business there is plenty of room in the parking lot and minimal line waits inside. The employees usually recognize me, smile and say hello even when I am not conducting business with them specifically. The hours are convenient and there is a motor bank and ATM outside for off hours use.

The website is well designed and easy to use. I can electronically pay bills and transfer money between accounts. I am able to monitor balances and transactions. I can create ACH links to my external accounts for payments and withdrawals. In effect I can almost do all my banking from home except when I receive a paper check or need cash. However I still like to visit the bank on occasion to see the buffalo and say high to the people.

Comment

No Issues But Distance

Posted by: dla1946 | May 27, 2016

Several years ago, I moved my retirement account to First National Bank in Garland. They were taken over a couple of years ago by the FDIC and I presume sold to Plains. I chose FNB because of geographic convenience. Plains closed all the branches except one 50 miles from me. I really haven't had any issues but would not be my first choice for other accounts because of distance.

Comment

Health

B+

Data as of Q4 2023

Data displayed below is for insuring bank: Investar Bank

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Health Grade Components

Overall
FDIC Certificate #	17491
Year Established	1955
Employees	2548
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	6.78%
Annual Interest Income	$671.3MM

Assets and Liabilities
Assets	Q4 2023vs Q4 2022	$13.41B$13.52B
Loans	Q4 2023vs Q4 2022	$8.56B$8.54B
Deposits	Q4 2023vs Q4 2022	$11.07B$11.24B
Equity Capital	Q4 2023vs Q4 2022	$1.55B$1.53B
Loan Loss Allowance	Q4 2023vs Q4 2022	$111.3MM$95.2MM
Unbacked Noncurrent Loans	Q4 2023vs Q4 2022	$62.3MM$28.9MM
Real Estate Owned	Q4 2023vs Q4 2022	$5.1MM$2.3MM

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