BlastPoint's Banking Scorecard

PlainsCapital Bank

$10B-$250B Specialty: Commercial TX FDIC cert 17491

University Park, TX

57 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 11 in TX.
Deposits +1.6% year over year ($10.7B on the books).
Delinquency rate 1.03%.
Return on assets 1.11%.
Efficiency ratio 74.95% vs a 53.67% peer average.
Loan-to-deposit ratio 86.21% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 11 in TX

View $10B-$250B leaderboard (TX) →

PlainsCapital Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 31.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Ratio 21.28% above tier average
- ROA 0.28% below tier average
- Net Interest Margin 0.60% below tier average

Get updates when PlainsCapital Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$12.7B +2.2% YoY +2.0% QoQ	-$30.9B	$43.6B -13.8% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 13.7% in tier
Total Loans ?	$9.2B +7.2% YoY +4.5% QoQ	-$18.8B	$28.0B -8.6% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$10.7B +1.6% YoY -0.2% QoQ	-$24.8B	$35.4B -14.0% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 14.4% in tier
Return on Assets ?	1.11% +4.6% YoY +4.8% QoQ	-0.28%	1.39% +25.9% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	36%
Net Interest Margin ?	3.32% +9.9% YoY +0.1% QoQ	-0.60%	3.92% +8.9% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	35%
Efficiency Ratio ?	74.95% +1.1% YoY +0.1% QoQ	+21.28%	53.67% -1.9% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 4.3% in tier
Delinquency Rate ?	1.03% -12.3% YoY -10.1% QoQ	+0.02%	1.01% -2.8% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	86.21% +5.5% YoY +4.7% QoQ	+3.60%	82.61% +3.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	45%
Non-Interest-Bearing Deposit Share ?	26.33% -3.1% YoY -2.4% QoQ	+5.75%	20.58% +4.9% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	0.81% -9.1% YoY -8.3% QoQ	+0.08%	0.73% +5.8% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	12.50% -17.1% YoY -1.7% QoQ	-2.85%	15.35% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	1.37% -4.9% YoY +104.8% QoQ	+0.88%	0.50% +10.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 5.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	26.3% -0.8pp YoY -0.7pp QoQ	+5.3pp	21.0%	29.2%	22.2%	67%
Brokered Deposits	0.1% 0.0pp YoY 0.0pp QoQ	-9.1pp	9.2%	8.0%	8.5%	10%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	11.6% +1.0pp YoY +0.1pp QoQ	-5.6pp	17.2%	14.8%	12.5%	34%
CRE	51.1% +1.3pp YoY -1.0pp QoQ	+9.1pp	42.0%	48.4%	41.4%	67%
1-4 Family	31.1% -1.0pp YoY +0.9pp QoQ	+8.0pp	23.1%	25.8%	31.3%	78%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-12.6pp	12.9%	4.7%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	12.5% -2.6pp YoY -0.2pp QoQ	-2.8pp	15.3%	22.7%	19.7%	40%
Leverage Ratio	9.7% -1.0pp YoY +0.2pp QoQ	-0.7pp	10.4%	12.6%	12.6%	37%
Total Capital Ratio	13.5% -2.8pp YoY -0.3pp QoQ	-3.0pp	16.5%	23.8%	20.8%	29%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	2,290 -61 (-2.6%) YoY +34 (+1.5%) QoQ	-968	3,258	186	482	58%
Assets per Employee ($)	$5.5M +4.9% YoY +0.5% QoQ	-$21.5M	$27.0M	$10.1M	$8.8M	1%
Branch Count	57 -1 (-1.7%) YoY 0 QoQ	-81	137	12	18	37%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.1pp YoY 0.0pp QoQ	0.0pp	0.4%	0.3%	0.4%	85%
Nonaccrual	0.6% -0.3pp YoY -0.1pp QoQ	-0.1pp	0.7%	1.0%	1.0%	49%
Allowance Coverage	0.89x -7.9% YoY +1.4% QoQ	-1.92x	2.81x	18.82x	20.23x	15%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.1%	0.2%	51%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	10.0% +0.7pp YoY +0.6pp QoQ	-2.6pp	12.6%	13.2%	11.6%	40%
Cost of Funds (YTD)	1.7% -0.5pp YoY 0.0pp QoQ	-0.2pp	2.0%	1.6%	1.7%	41%
Net Income ($, YTD)	$70.3M +2.6% YoY — QoQ	-$226.5M	$296.8M	$15.9M	$40.4M	15%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#12 of 35 • Top 31.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.37%

(Tier: 0.50%, National: 0.66%)

better than tier avg

Return on Assets: 1.11%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.37%

Peer Median: 0.50%

#8 of 139 Top 5.0% in $10B-$250B

Top Weaknesses (5 metrics)

134

Efficiency Ratio

profitability

Value: 74.95%

Peer Median: 53.67%

#134 of 139 Bottom 4.3% in $10B-$250B

121

Total Assets

size

Value: $12.68B

Peer Median: $43.60B

#121 of 139 Bottom 13.7% in $10B-$250B

120

Total Deposits

size

Value: $10.66B

Peer Median: $35.42B

#120 of 139 Bottom 14.4% in $10B-$250B

116

Total Loans

size

Value: $9.19B

Peer Median: $27.97B

#116 of 139 Bottom 17.3% in $10B-$250B

106

Nonperforming Asset Ratio

credit_quality

Value: 0.81%

Peer Median: 0.73%

#106 of 139 Bottom 24.5% in $10B-$250B