| Metric | PlainsCapital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.9% | -3.7 pts |
| Deposit growth (YoY) | +1.6% | +5.7% | -4.1 pts |
| Loan growth (YoY) | +7.2% | +6.9% | +0.2 pts |
| ROA | 1.11% | 1.23% | -0.1 pts |
| ROE | 10.0% | 11.2% | -1.2 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.68B | $10.66B | $9.19B | $1.36B | $70.3M | 1.11% | 3.32% | 0.81% |
| Q1 2026 | $12.44B | $10.68B | $8.79B | $1.35B | $33.5M | 1.06% | 3.31% | 0.88% |
| Q4 2025 | $12.75B | $10.91B | $8.83B | $1.51B | $135.0M | 1.05% | 3.12% | 0.75% |
| Q3 2025 | $12.64B | $10.75B | $8.66B | $1.50B | $104.5M | 1.09% | 3.07% | 0.83% |
| Q2 2025 | $12.41B | $10.49B | $8.57B | $1.50B | $68.5M | 1.06% | 3.02% | 0.89% |
| Q1 2025 | $12.88B | $10.93B | $8.30B | $1.47B | $22.8M | 0.70% | 2.90% | 0.88% |
| Q4 2024 | $13.33B | $11.26B | $8.34B | $1.47B | $110.4M | 0.84% | 2.89% | 0.85% |
| Q3 2024 | $13.24B | $10.95B | $8.44B | $1.48B | $78.1M | 0.79% | 2.88% | 1.77% |
Loan mix (Q2 2026): real estate $7.65B · commercial $1.06B · consumer $25.5M · securities $2.13B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | PlainsCapital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.23% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.3% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 54.9% | 96th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | PlainsCapital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | PlainsCapital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | PlainsCapital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | PlainsCapital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.