Plainscapital Bank
University Park, TX · Cert 17491 · Peer group: banks over $10B in assets (n=142-144) · Diamond HTH Stock Co. Gp LLC
State charter, Fed member · FED · 55 branches
Q2 2026
$12.7BAssets
$9.3BLoans
$10.7BDeposits
$1.4BEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 61% of banks over $10B in assets (rank 57 of 142).
- Widest gap: efficiency ratio trails 94% of banks over $10B in assets (rank 137 of 144).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.11%
Rank 95 of 144
Net Interest Margin
3.25%
Rank 79 of 144
Efficiency Ratio
75.05%
Rank 137 of 144
Equity / Assets
10.75%
Rank 89 of 144
Non-interest income vs. expense
Unfavorable gap of $208.6M · efficiency ratio beats 6% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 1.00% | 1.26% | 1.54% | Beats 34% | 95 / 144 | |
| Return on Equity | 10.32% | 8.98% | 11.34% | 14.40% | Beats 38% | 89 / 144 | |
| Net Interest Margin | 3.25% | 2.82% | 3.31% | 3.68% | Beats 45% | 79 / 144 | |
| Efficiency Ratio | 75.05% | 49.42% | 56.02% | 62.41% | Beats 6% | 137 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.02% | 0.48% | 0.73% | 1.07% | Beats 27% | 104 / 142 | |
| Net Charge-Offs / Loans | 0.09% | 0.05% | 0.11% | 0.22% | Beats 61% | 57 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 12.50% | 12.07% | 12.98% | 14.92% | Beats 39% | 88 / 144 | |
| Total Risk-Based Capital Ratio | 13.47% | 13.39% | 14.14% | 16.25% | Beats 27% | 105 / 144 | |
| Equity / Assets | 10.75% | 9.69% | 11.39% | 12.96% | Beats 38% | 89 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 87.01% | 75.72% | 84.92% | 91.56% | 57th pctl | 62 / 143 | |
| Loans / Assets | 73.08% | 59.83% | 69.07% | 74.80% | 65th pctl | 50 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |