BlastPoint's Banking Scorecard
PlainsCapital Bank
Mid-Market
Specialty: Commercial
TX
FDIC cert 17491
University Park, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
PlainsCapital Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 29% in Mid-Market
Key Concerns
Areas that may need attention
- - Efficiency Ratio 17.92% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.7B
-4.3% YoY
+0.9% QoQ
|
+$2.3B |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$8.8B
+5.8% YoY
+2.0% QoQ
|
+$1.7B |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$10.9B
-3.1% YoY
+1.6% QoQ
|
+$2.4B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.05%
+25.9% YoY
-3.0% QoQ
|
-0.11% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.12%
+7.8% YoY
+1.5% QoQ
|
-0.28% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
74.52%
-5.5% YoY
-0.2% QoQ
|
+17.92% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.99%
-25.2% YoY
-11.4% QoQ
|
+0.30% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
80.87%
+9.1% YoY
+0.4% QoQ
|
-4.60% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
26.52%
+3.1% YoY
+1.0% QoQ
|
+5.88% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.75%
-11.9% YoY
-10.0% QoQ
|
+0.25% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
14.49%
-5.6% YoY
-2.1% QoQ
|
+0.94% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
2.77%
+4.9% YoY
+31.5% QoQ
|
+1.81% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#15 of 49 · Top 29% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.77%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.05%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (1)
Efficiency Ratio
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
74.52%
(Tier avg: 56.60%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest Income / Assets
Current: 2.77% · Tier avg: 0.96%
78
78th pctile
Total Deposits
Current: $10.9B · Tier avg: $8.5B
76
76th pctile
Total Loans
Current: $8.8B · Tier avg: $7.1B
75
75th pctile
Total Assets
Current: $12.7B · Tier avg: $10.5B
74
74th pctile
Tier 1 Capital Ratio
Current: 14.49% · Tier avg: 13.55%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 26.52% · Tier avg: 20.64%
66
66th pctile
Loan-to-Deposit Ratio
Current: 80.87% · Tier avg: 85.47%
40
40th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
31
31th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.40%
25
25th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.68%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.50%
9
9th pctile
Efficiency Ratio
Current: 74.52% · Tier avg: 56.60%
Top Weaknesses
9
9th pctile
Efficiency Ratio
Current: 74.52% · Tier avg: 56.60%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.68%
31
31th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.40%
40
40th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
66
66th pctile
Loan-to-Deposit Ratio
Current: 80.87% · Tier avg: 85.47%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 26.52% · Tier avg: 20.64%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.49% · Tier avg: 13.55%
75
75th pctile
Total Assets
Current: $12.7B · Tier avg: $10.5B
76
76th pctile
Total Loans
Current: $8.8B · Tier avg: $7.1B
78
78th pctile
Total Deposits
Current: $10.9B · Tier avg: $8.5B
96
96th pctile
Non-Interest Income / Assets
Current: 2.77% · Tier avg: 0.96%