BlastPoint's Banking Scorecard
PlainsCapital Bank
University Park, TX
58 branches across TX
PlainsCapital Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 25.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 20.90% above tier average
- - ROA 0.22% below tier average
- - Net Interest Margin 0.46% below tier average
- - Delinquency Rate 0.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.4B
-3.4% YoY
-2.4% QoQ
|
-$34.5B |
$47.0B
-1.9% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.2% in tier |
| Total Loans ? |
$8.8B
+6.0% YoY
-0.4% QoQ
|
-$20.6B |
$29.4B
-0.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$10.7B
-2.3% YoY
-2.1% QoQ
|
-$27.7B |
$38.4B
-1.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.6% in tier |
| Return on Assets ? |
1.06%
+52.7% YoY
+0.8% QoQ
|
-0.22% |
1.28%
+18.7% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
3.31%
+14.4% YoY
+6.3% QoQ
|
-0.46% |
3.77%
+5.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
74.91%
-0.6% YoY
+0.5% QoQ
|
+20.90% |
54.01%
-3.7% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate ? |
1.15%
-9.6% YoY
+16.4% QoQ
|
+0.13% |
1.02%
-3.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
82.32%
+8.5% YoY
+1.8% QoQ
|
+1.53% |
80.79%
+1.9% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
26.99%
+2.4% YoY
+1.8% QoQ
|
+6.95% |
20.04%
+0.2% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.88%
+0.1% YoY
+17.9% QoQ
|
+0.16% |
0.72%
+4.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.71%
-15.6% YoY
-12.3% QoQ
|
-2.80% |
15.51%
-0.4% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.67%
+9.7% YoY
-75.8% QoQ
|
+0.45% |
0.22%
+0.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 2.9% in tier |
Get Full Access to PlainsCapital Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.