BlastPoint's Banking Scorecard

PlainsCapital Bank

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

University Park, TX

58 branches across TX

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

PlainsCapital Bank has 1 strength but faces 4 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 26.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Ratio 21.01% above tier average
- ROA 0.22% below tier average
- Net Interest Margin 0.46% below tier average
- Delinquency Rate 0.13% above tier average

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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	-$34.9B	$47.4B -2.0% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	Bottom 9.6% in tier
Total Loans ?	$8.8B +6.0% YoY -0.4% QoQ	-$20.8B	$29.6B -0.4% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	16%
Total Deposits ?	$10.7B -2.3% YoY -2.1% QoQ	-$28.1B	$38.7B -1.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	Bottom 14.1% in tier
Return on Assets ?	1.06% +52.7% YoY +0.8% QoQ	-0.22%	1.28% +19.3% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	38%
Net Interest Margin ?	3.31% +14.4% YoY +6.3% QoQ	-0.46%	3.77% +5.6% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	39%
Efficiency Ratio ?	74.91% -0.6% YoY +0.5% QoQ	+21.01%	53.90% -4.0% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	Bottom 5.2% in tier
Delinquency Rate ?	1.15% -9.6% YoY +16.4% QoQ	+0.13%	1.02% -4.1% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	82.32% +8.5% YoY +1.8% QoQ	+1.43%	80.88% +2.0% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	26.99% +2.4% YoY +1.8% QoQ	+7.16%	19.82% +0.3% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	73%
Nonperforming Asset Ratio ?	0.88% +0.1% YoY +17.9% QoQ	+0.16%	0.73% +4.0% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	20%
Tier 1 Capital Ratio ?	12.71% -15.6% YoY -12.3% QoQ	-2.85%	15.56% -0.1% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.67% +9.7% YoY -75.8% QoQ	+0.44%	0.23% +0.9% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	Top 3.0% in tier

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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

#10 of 34 • Top 26.5% 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: 0.67%

(Tier: 0.23%, National: 0.32%)

better than tier avg

Return on Assets: 1.06%

(Tier: 1.28%, National: 1.24%)

but worse than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ

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 135 peers in $10B-$250B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.67%

Peer Median: 0.23%

#5 of 135 Top 3.0% in $10B-$250B

Top Weaknesses (6 metrics)

129

Efficiency Ratio

profitability

Value: 74.91%

Peer Median: 53.90%

#129 of 135 Bottom 5.2% in $10B-$250B

123

Total Assets

size

Value: $12.44B

Peer Median: $47.36B

#123 of 135 Bottom 9.6% in $10B-$250B

117

Total Deposits

size

Value: $10.68B

Peer Median: $38.75B

#117 of 135 Bottom 14.1% in $10B-$250B

115

Total Loans

size

Value: $8.79B

Peer Median: $29.62B

#115 of 135 Bottom 15.6% in $10B-$250B

109

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.73%

#109 of 135 Bottom 20.0% in $10B-$250B

106

Delinquency Rate

credit_quality

Value: 1.15%

Peer Median: 1.02%

#106 of 134 Bottom 21.6% in $10B-$250B