← Back to Institutions
PlainsCapital Bank
University Park, TX·FDIC Cert #17491·Charter: STATE·Est. 19550915.0·HC: DIAMOND HTH STOCK CO GP LLC
Total Assets
$12.7B
Q4 2025
Return on Assets
1.05%
-0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
74.52%
Peer avg: 55.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.05%-0.03
ROE
9.06%-0.32
Efficiency
74.52%-0.18
Equity/Assets
0.00%+0.00
NPL Ratio
0.99%-0.13
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.87%+0.32
Charge-offs
0.20%+0.11
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.8 | 0.7 | 1.1 | 1.1 | 1.1 |
| ROE | 6.4 | 6.4 | 6.7 | 7.2 | 6.2 | 9.3 | 9.4 | 9.1 |
| Efficiency | 81.2 | 78.5 | 78.6 | 78.9 | 75.3 | 74.1 | 74.7 | 74.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.1 | 2.5 | 2.7 | 1.3 | 1.3 | 1.2 | 1.1 | 1.0 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.2 |
| Loan/Deposit | 77.8 | 86.1 | 77.1 | 74.1 | 75.9 | 81.8 | 80.5 | 80.9 |
Balance Sheet
Total Assets$12.7B
Total Deposits$10.9B
Total Loans$8.8B
Total Equity$1.5B
Profitability
ROA1.05%
ROE9.06%
Efficiency Ratio74.52%
Net Income$135.0M
Risk & Asset Quality
NPL Ratio0.99%
Charge-off Rate0.20%
Loan/Deposit80.87%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans