BlastPoint's Banking Scorecard

Texas Capital Bank

$10B-$250B Specialty: Commercial TX FDIC cert 34383

Dallas, TX

10 branches across TX

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

Texas Capital 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

+ Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

- ROA 0.32% below tier average
- Net Interest Margin 0.42% below tier average
- Efficiency Ratio 7.96% above tier average

Get updates when Texas Capital Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$33.2B +6.8% YoY +6.2% QoQ	-$14.2B	$47.4B -2.0% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	64%
Total Loans ?	$24.9B +12.8% YoY +4.9% QoQ	-$4.7B	$29.6B -0.4% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	70%
Total Deposits ?	$29.1B +9.6% YoY +8.9% QoQ	-$9.6B	$38.7B -1.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	68%
Return on Assets ?	0.96% +39.2% YoY -12.4% QoQ	-0.32%	1.28% +19.3% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	27%
Net Interest Margin ?	3.35% +3.8% YoY -2.8% QoQ	-0.42%	3.77% +5.6% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	61.87% -9.3% YoY +7.6% QoQ	+7.96%	53.90% -4.0% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	27%
Delinquency Rate ?	0.74% +73.2% YoY +25.0% QoQ	-0.28%	1.02% -4.1% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	85.62% +2.9% YoY -3.7% QoQ	+4.73%	80.88% +2.0% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	28.28% -10.4% YoY +4.2% QoQ	+8.45%	19.82% +0.3% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	76%
Nonperforming Asset Ratio ?	0.56% +83.0% YoY +23.4% QoQ	-0.17%	0.73% +4.0% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	42%
Tier 1 Capital Ratio ?	13.18% +10.7% YoY +1.3% QoQ	-2.39%	15.56% -0.1% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.13% +33.3% YoY -72.3% QoQ	-0.10%	0.23% +0.9% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	39%

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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 (0)

No matched strength signatures this quarter

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-Bearing Deposit Share

funding

Value: 28.28%

Peer Median: 19.82%

#33 of 135 Top 23.7% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available