# PLAINSCAPITAL BANK
UNIVERSITY PARK, TX · FDIC certificate 17491 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $12.68B | |
| Deposits | $10.66B | |
| Loans and leases | $9.27B | |
| Total equity | $1.37B | |
| Loans / deposits | 86.21% (p53 of band) | 85.78% |
| Liquid assets / assets | 22.50% (p47 of band) | |
| Uninsured deposits / deposits | 53.89% (p90 of band) | 38.39% |
| Brokered deposits | 0.12% | |
| Wholesale funding | 4.39% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.73% (p37 of band) | 10.17% |
| Unrealized securities loss / equity | -9.27% (p40 of band) | -7.43% |
| AOCI / equity | -0.08% (p67 of band) | |
| ROA (annualized) | 1.11% (p38 of band) | 1.24% |
| Net interest margin | 3.32% (p37 of band) | 3.57% |
| Efficiency ratio | 74.95% (p95 of band) | |
| Noncurrent loans | 1.03% (p77 of band) | 0.66% |
| Net charge-offs (annualized) | 0.12% (p61 of band) | |
| Reserve coverage of noncurrent | 89.21% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 72.06% (p91 of band) | |
| Auto loans | $3.4M (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $429.5M (31% of equity) (p74 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 2290 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 1 |  | brokered >10%, reserve under noncurrent |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 2 | loans exceed deposits | reserve under noncurrent, capital falling |
| 2012-09 | 4 | brokered >10%, reserve under noncurrent |  |
| 2012-12 | 4 | capital falling, NIM <2.5% | loans exceed deposits, brokered >10% |
| 2013-03 | 4 | uninsured deposits >50%, run vulnerability | capital falling, NIM <2.5% |
| 2013-06 | 4 | loans exceed deposits | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent | wholesale funding >15%, uninsured deposits >50%, run vulnerability, loans exceed deposits |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 2 | deposits shrinking | wholesale funding >15% |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | deposits shrinking |
| 2015-06 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 | charge-offs p90 | uninsured deposits >50%, run vulnerability |
| 2016-09 | 4 | loans exceed deposits, uninsured deposits leaving |  |
| 2016-12 | 6 | wholesale funding >15%, capital falling |  |
| 2017-03 | 3 | expense ratio p90 | charge-offs p90, loans exceed deposits, wholesale funding >15%, capital falling |
| 2017-06 | 2 | loans exceed deposits | uninsured deposits leaving, expense ratio p90 |
| 2017-09 | 3 | expense ratio p90 |  |
| 2017-12 | 3 | noncurrent p90 | loans exceed deposits |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | loans exceed deposits |  |
| 2018-09 | 4 | capital falling | loans exceed deposits |
| 2018-12 | 2 |  | noncurrent p90, capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | loans exceed deposits, loans-to-lenders >50% equity |  |
| 2019-09 | 6 | capital falling, noncurrent p90 |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 3 |  | expense ratio p90, loans exceed deposits, capital falling |
| 2020-06 | 4 | brokered >10% |  |
| 2020-09 | 4 | capital falling | brokered >10% |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | capital falling |  |
| 2021-12 | 1 |  | loans-to-lenders >50% equity, noncurrent p90, capital falling |
| 2022-03 | 3 | expense ratio p90, noncurrent p90 |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 5 | deposits shrinking, assets shrinking | capital falling |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 3 |  | deposits shrinking, assets shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 5 | deposits shrinking, assets shrinking |  |
| 2024-09 | 3 |  | deposits shrinking, assets shrinking |
| 2024-12 | 4 | uninsured deposits >50%, capital falling | noncurrent p90 |
| 2025-03 | 2 |  | reserve under noncurrent, capital falling |
| 2025-06 | 3 | reserve under noncurrent |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | reserve under noncurrent |
| 2026-03 | 4 | capital falling, reserve under noncurrent |  |
| 2026-06 | 3 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [PlainsCapital Bank Welcomes Lane as Executive Vice President of Commercial Banking - ABF Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxOSzRyaGo5cWtHU0FYY01kTkRTRjBsOG1FQkNydnBLMEpoYVhYWjZuMmtnZjN5c3JnVVZMN2pJZTVMUmx1SXhRcFhTYW9TYUlDaF8zOGk3QzdFcVhnYzI2R2pybDZCMjhMOVlSdHl2bnlDOHkwRzEwQmNDSFdweE9SMmhRSGh6akl2VmNVYXZfOTJIVFlvQk1qQ19pV2xSc3NrNFpVeDc5RnY2dGpnUEpN?oc=5) · ABF Journal
- 2026-04-22 [Plainscapital Bank Welcomes Jamie Ballard as Senior Vice President, Senior Relationship Manager - Woodlands Online](https://news.google.com/rss/articles/CBMia0FVX3lxTE9ONG1fSktrLXBWVU9VZ3RLRUR2SkUyczIyOEhsUGdLSG1QcFhkZnJ3ZWRpem9CakQ5NmZteVVHNUVrVGdSeVJsbC1ldUViMS1RRUdvYmliYlQ2OUZuQzVNOWR0aG1nYlVOUm5J?oc=5) · Woodlands Online
- 2026-01-05 [PlainsCapital Bank Appoints Lifelong San Antonian Travis Edlund as San Antonio Region Chairman, Succeeding Mike Molak - Business Wire](https://news.google.com/rss/articles/CBMigwJBVV95cUxPcjJsamR6RDJZcnExZklTLWxQbWhfalhmS2VnemdwQXB4UzdndjJ6Z0J6QXVMX3NnZWlkMkVpRlZNWjV4RkJMc0VwNHU2QnJkQ09PbERJMktSbkFBdkxZalBaYnZJLUVRSUdKcW5DZG9lNlVJTnFWUkZVRzNxM25aY0t3WHZ3SGxSRjJIaXdINjNzWHQ3azZWX2ktckRUSWZ4YXhpbXBPR3JtVlpRa20tZTBubnZCVWc0TEt1QUd4UUx1dE5JRW91YmVKdGMtV2wtNEZuZzJXcmJSUy1PZWpGdW84V29IY2ZTeTE2RnRnSTAwQlJUbzZoV2NjWm9ZaTliMjF3?oc=5) · Business Wire
- 2026-07-31 [PlainsCapital Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMidEFVX3lxTFBnTzhGV2R4MUpwSUdSRDA2WG5RRzdFQmUyc0JKQ2djZTlOSGs0TnEyMGpqMzZTM0tRRGxLZFNMVENkU054STlyQTlMcWh6ZVBKOXJYWkRxNmo1S2t5RVV3dWs5Q1RvYVpVZHJWaHZXUnlNQTFI?oc=5) · reveliolabs.com
- 2026-01-06 [PlainsCapital Bank appoints new San Antonio chairman amid Texas banking consolidation wave - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPNW94VnZ2bHM0QWlINjZlajRIY3J3MHNfSnIzbTF0RlZlQzhWSnN4TzJKSUtiaWM4VGR5dEZaWXM3MElZZXV5NXpxV2otc1JkUmh5TXdOczFhd3dmemJYWlF6YjBuRVlsaTI0amFieHJ2MGJJYlRfN2FRS09CZDl6UHJMTkF2V0FQeWl3QllpQVRaaGRvM0JLMEtiYWFDMnF2NDk5TnNFRQ?oc=5) · The Business Journals
- 2026-03-12 [Man found dead at downtown Austin bank; incident ruled as self-defense - FOX 7 Austin](https://news.google.com/rss/articles/CBMimwFBVV95cUxNVWNIREJtRUd1UngtZUR6RC1xbElOdHFzaURnYlBaNFNfLUFHMWpvNDlyd0VVdl9pMHI2NEdNTjJlZjVDQkZVdy1UUlNBdEJLZDZvRW9CZVl2UWFqemdNdUFDa0Q3ZlBvMzVVTThzd2VObS02Z1pod3lGYXJPNTJZRjRlNlZ5WWdCNS12U0lyZ3B0NC03NWx6a0tFaw?oc=5) · FOX 7 Austin
- 2026-08-05 [PlainsCapital Bank Welcomes Vohs as Senior Vice President, Senior Relationship Manager - MonitorDaily](https://news.google.com/rss/articles/CBMitgFBVV95cUxPNk42a2ZwRHZLTHBPMnhENEt4aTZJNzM5QmJUZE05bHBIWGhVd1VGSXdYYVg0T25xa21QYzEwUFRWUUgzSjhNMFpENDhUQ3dXbGNDclBnZkJ3T0VpRzctQjNfUERYTnJKcC11d19Tb1UxTWR2enhNRVFEREkyaTlmSl91Qks5aXd4ZndDekVscWhMT1VUZHlHSG11cXUxaVNGLVo3OFJFSnlaTDU5T2JUcVoxTE5jUQ?oc=5) · MonitorDaily
- 2025-12-16 [PlainsCapital Bank Welcomes Tina Hicks as Vice President, Senior Wealth Management Administrator - The Business Press](https://news.google.com/rss/articles/CBMizwFBVV95cUxNeU96VXJENnhKc1FJVzdCeW1TdWxkeGNaRm1zOVh6SmdqbExLc1VtdkdBd1Q3bVFJLVlOdU9SNDdaWkNhRm45enEtbTdlcFBuTVNnSVg0ZkYyRDJENV9kaGJBUlhkREk0Z0VrUnkxN0tMNEVTQmhpQUMxYUstWDBzS1ZqTGVRaU5YOEM4bldOOGMyN0JwclJ5djZ5dk51cDIybjNQUHlXTTB2WUxJSllYMC1NU3FaMlpodjZ6d1BmRUtkYTRWRXVSUXl6NGJBa2s?oc=5) · The Business Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17491 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "17491", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide