PlainsCapital Bank: how it compares with its peers
Against 11 TX banks with half to twice its assets, PlainsCapital Bank's strongest measure in Q2 2026 is return on assets (1.11% vs. a 1.37% peer median). Its weakest relative measure is efficiency ratio (74.95% vs. 50.98%).
| Measure | PlainsCapital Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.37% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.32% | 3.99% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.95% | 50.98% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $10.0M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.21% | 84.17% | Context |
What it means for lending operations
Its efficiency ratio of 74.95% is above the 50.98% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- NexBank Dallas, TX · $14.16B
- Charles Schwab Trust Bank Westlake, TX · $10.51B
- Amarillo National Bank Amarillo, TX · $10.38B
- International Bank of Commerce Laredo, TX · $10.19B
- First Financial Bank Abilene, TX · $15.23B
Questions about PlainsCapital Bank
How big is PlainsCapital Bank?
PlainsCapital Bank, established in 1955, is headquartered in University Park, TX. It reported $12.68B in total assets in its Q2 2026 FDIC call report and operates 57 offices.
What is PlainsCapital Bank's return on assets?
1.11% annualized in Q2 2026, against a 1.37% median for 11 TX banks with half to twice its assets, ahead of 36% of them.
What is PlainsCapital Bank's efficiency ratio?
74.95% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 50.98%, and lower is better.
Is PlainsCapital Bank growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.