BlastPoint's Banking Scorecard
Texas Capital Bank
Large
Specialty: Commercial
TX
FDIC cert 34383
Dallas, TX
69
banks in Large tier nationally
4 in TX
View Large leaderboard (TX) →
Texas Capital Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18% in Large
- - Credit Risk Growth: Bottom 28% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$31.3B
+2.1% YoY
-3.0% QoQ
|
-$43.6B |
$74.9B
-4.4% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$23.8B
+7.2% YoY
-0.6% QoQ
|
-$22.7B |
$46.4B
-2.1% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$26.7B
+5.2% YoY
-4.3% QoQ
|
-$33.7B |
$60.5B
-4.5% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.10%
+235.3% YoY
+7.6% QoQ
|
-0.10% |
1.19%
+17.8% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.45%
+7.1% YoY
+1.4% QoQ
|
-0.01% |
3.46%
+13.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
57.52%
-13.5% YoY
-2.7% QoQ
|
+2.49% |
55.03%
-2.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.59%
+13.6% YoY
+47.0% QoQ
|
-0.29% |
0.88%
-0.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
88.91%
+1.9% YoY
+3.9% QoQ
|
+7.19% |
81.72%
+3.9% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
27.15%
-10.0% YoY
-6.7% QoQ
|
+7.18% |
19.97%
+0.5% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.45%
+19.3% YoY
+50.7% QoQ
|
-0.10% |
0.55%
+9.0% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
13.01%
+2.0% YoY
+3.8% QoQ
|
-0.32% |
13.33%
-0.7% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.47%
-30.0% YoY
+46.7% QoQ
|
-0.62% |
1.09%
+2.4% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Quality Pressure
risk
#7 of 35 · Bottom 18% in Large
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.59%
(Tier: 0.88%, National: 0.66%)
35 of 35 Large banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#8 of 26 · Bottom 28% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 27.15% · Tier avg: 19.97%
69
69th pctile
Loan-to-Deposit Ratio
Current: 88.91% · Tier avg: 81.72%
65
65th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.88%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.55%
53
53th pctile
Tier 1 Capital Ratio
Current: 13.01% · Tier avg: 13.33%
52
52th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.46%
41
41th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.19%
36
36th pctile
Efficiency Ratio
Current: 57.52% · Tier avg: 55.03%
35
35th pctile
Total Loans
Current: $23.8B · Tier avg: $46.4B
32
32th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 1.09%
29
29th pctile
Total Deposits
Current: $26.7B · Tier avg: $60.5B
22
22th pctile
Total Assets
Current: $31.3B · Tier avg: $74.9B
Top Weaknesses
22
22th pctile
Total Assets
Current: $31.3B · Tier avg: $74.9B
29
29th pctile
Total Deposits
Current: $26.7B · Tier avg: $60.5B
32
32th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 1.09%
35
35th pctile
Total Loans
Current: $23.8B · Tier avg: $46.4B
36
36th pctile
Efficiency Ratio
Current: 57.52% · Tier avg: 55.03%
41
41th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.19%
52
52th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.46%
53
53th pctile
Tier 1 Capital Ratio
Current: 13.01% · Tier avg: 13.33%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.55%
65
65th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.88%
69
69th pctile
Loan-to-Deposit Ratio
Current: 88.91% · Tier avg: 81.72%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 27.15% · Tier avg: 19.97%