Texas Capital Bank


2000 Mckinney Ave, Suite 700
Dallas, TX 75201
See all branch locations →

Phone 214.932.6600

Notable Rates APY Vs.Others
Savings 0.10% 2.55% →
1-Year CD 0.50% 2.85% →
2-Year CD 0.25% 3.20% →
5-Year CD 0.25% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Texas Capital Bank is an FDIC insured institution located in Dallas, TX. It was founded in 1997 and has approximately $31.08 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 34383
Date Established 1997
Assets $ 31.08 billion
Loans $ 21.47 billion
Deposits $ 25.81 billion
Capital $ 3.03 billion

For a more detailed analysis of Texas Capital Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 17, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.25% $100,000 $199,999 Learn More
30 Mo CD
0.25% $10,000 $14,999 Learn More
30 Mo CD
0.25% $100,000 $199,999 Learn More
36 Mo CD
0.25% $10,000 $14,999 Learn More
36 Mo CD
0.25% $100,000 $199,999 Learn More
48 Mo CD
0.25% $10,000 $14,999 Learn More
48 Mo CD
0.25% $100,000 $199,999 Learn More
60 Mo CD
0.25% $10,000 $14,999 Learn More
60 Mo CD
0.25% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
0.05% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Online Only Savings Rates of Bask Bank

Online Savings Rates APY MIN MAX
Checking Rates APY MIN FEE
Capital Checking 0.00% $1,500 $10.00 Learn MoreShow Less
Smart Checking 0.00% $0 $0.00 Learn MoreShow Less
Capital Interest Checking 0.05% $2,500 $12.00 Learn MoreShow Less

Bank Online Offers

Bask's Interest Savings Account Rate is now 0.80% APY
Apr 2, 2022

Bask raised its interest savings account rate from 0.70% to 0.80% APY.

Bask Raises Its Online Savings Rate to 1.25%
May 5, 2022

This is the point where long-time account holders of Bask's AAdvantage program may want to start to seriously thinking about switching over the cash interest.

Bask Bank Raises Online Savings to 2.02% APY
Jul 20, 2022

Bask has raised its online savings rate to 2.02% APY.   As of this moment, this is the highest nationally available online savings rate.

Bank Bank increases Its Online Savings Rate to 2.20% APY
Aug 16, 2022

Bask has raised its online savings rate again.


Loan Rates - August 17, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Texas Capital Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
5.319% 5.250%
0.75 points
$1,925 fees
$1,381 Learn More
Morty, Inc.
NMLS ID: 1429243
4.687% 4.625%
0.75 points
$1,800 fees
$1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 4.990 %
After Intro: 6.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Texas Capital Bank
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Climate Initiatives

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Financial Details

Texas Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Texas Capital Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Texas Capital Bank U.S. Bank Average
2.14% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2022, Texas Capital Bank had $69,223,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,030,676,000 in equity and $211,151,000 in loans loss reserves. That gives it a Texas Ratio of 2.14%.

Return on Equity
Texas Capital Bank U.S. Bank Average
5.6% 9.01%

Texas Capital Bank has a Return on Equity of 5.6% versus the BestCashCow average of 9.01%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Texas Capital Bank U.S. Bank Average
9.75% 10.66%

Texas Capital Bank has a Capitalization of 9.75% versus the BestCashCow average of 10.66. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Texas Capital Bank Balance Sheet Analysis

As of March 31, 2022, Texas Capital Bank had assets of $31,081,643,000, loans of $21,474,333,000, and deposits of $25,812,010,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2022
Cash & Balances due from depository institutions $ 5.37 billion
Interest-bearing balances $ 5.14 billion
Total securities $ 3.64 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 21.47 billion
Loan loss allowance $ 211.15 million
Trading account assets $ 30.24 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 18.61 million
All other assets $ 462.86 million
     Total Assets $ 28.05 billion
Total deposits $ 25.81 billion
      Interest-bearing deposits $ 11.94 billion
      Deposits held in domestic offices $ 25.81 billion
      % insured (estimated) 42.51%
Federal funds purchased and repurchase agreements $ 2.03 million
Trading liabilities $ 30.24 million
Other borrowed funds $ 1,698.86 million
Subordinated debt $ 224.00 million
All other liabilities $ 283.83 million
      Total Liabilities $ 28.05 billion
      Shareholders’ Equity $ 3.03 billion

Summary Income Statement

March 31, 2022
Total Interest Income $ 208.70 million
Total Interest Expense $ 21.31 million
Net interest income $ 187.39 million
Provision for loan and lease losses N.A.
Total non interest income $ 23.59 million
Total non interest expense $ 152.04 million
Pre-tax Net Operating Income $ 60.94 million

Bank Loan Profile?

The top three loan types in Texas Capital Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Texas, Texas Capital Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.69
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.41
Construction and Development Loans 8.89
Commercial Real Estate 10.28
Commercial and Industrial Loans 39.95
Farm Loans 0.02

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