Texas Capital Bank
Dallas, Texas · FDIC Cert #34383
Texas Capital Bank is an FDIC-insured bank (Certificate #34383) with $29.7B in total assets and $24.0B in total deposits as of the Q2 2024 Call Report. Headquartered in Dallas, Texas, the bank maintains a Tier 1 capital ratio of 13.16% (Well-Capitalized) and a nonperforming loan ratio of 0.39%. BankHealthData assigns a composite Health Grade of A (82/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Texas Capital Bank (FDIC cert 34383) is a large bank with $29.7B in total assets and $24.0B in deposits, headquartered in Dallas, Texas. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 13.16% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.39% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 24.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.74% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Texas Capital Bank carries a composite BankHealth grade of A (82/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Texas Capital Bank
- Total Assets
- $29.7B
- Total Deposits
- $24.0B
- Tier 1 Capital Ratio
- 13.16%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.39%
- Liquidity Ratio
- 24.37%
- Return on Assets
- 0.74%
- Headquarters
- Dallas, Texas
- FDIC Certificate
- #34383
- Health Grade
- A (82/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Texas Capital Bank holds a Tier 1 capital ratio of 13.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Texas Capital Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Texas Capital Bank shows strong financial health indicators. With $29.7B in assets and a Health Score of 82/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Texas Capital Bank Compares
Texas Capital Bank’s Health Score of 82 is 8 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 13.16% Tier 1 capital ratio is 0.8 points below the US banking industry average near 14%. The 0.39% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.74% is below the national ROA benchmark of ~1.1%. Among 76 similarly-sized banks, the average Health Score is 80, meaning this bank ranks above its size cohort. Site-wide, Texas Capital Bank is 12 points above the portfolio average of 70.
Frequently Asked Questions
Texas Capital Bank has a Bank Health Score of A (82/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.16%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Texas Capital Bank's Tier 1 capital ratio of 13.16% and nonperforming loan ratio of 0.39% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Texas Capital Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34383). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Texas Capital Bank holds $29.7B in total assets and $24.0B in total deposits. It is headquartered in Dallas, Texas (FDIC Certificate #34383).
Texas Capital Bank has a Tier 1 capital ratio of 13.16%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.39%, and the return on assets is 0.74%.
Yes. Texas Capital Bank is FDIC-insured (Certificate #34383). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Texas Capital Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.