Banks | Texas Capital Bank

Texas Capital Bank

For information concerning BankDirect, a division of Texas Capital Bank online bank, please click here.

Texas Capital Bank is an FDIC insured institution headquartered at 2000 Mckinney Ave, Dallas, TX 75201.
It was founded in 1997 and has approximately $31 billion in assets. Customers can open an account at one of its 16 branches.

Deposit Rates - February 22, 2025

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34383
Date Established 1997
Assets $ 31.49 billion
Loans $ 22.03 billion
Deposits $ 26.01 billion
Capital $ 3.58 billion

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 4.15 billion
Interest-bearing balances $ 3.87 billion
Total securities $ 4.39 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 22.03 billion
Loan loss allowance $ 273.14 million
Trading account assets $ 43.03 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.97 million
All other assets $ 544.25 million
     Total Assets $ 27.91 billion

LIABILITIES
Total deposits $ 26.01 billion
      Interest-bearing deposits $ 16.79 billion
      Deposits held in domestic offices $ 26.01 billion
      % insured (estimated) 60.43%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 31.68 million
Other borrowed funds $ 2.91 billion
Subordinated debt $ 174.65 million
All other liabilities $ 328.29 millionn
      Total Liabilities $ 27.91 billion
      Shareholders’ Equity $ 3.58 billion

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 1,293.54 million
Total Interest Expense $ 602.22 million
Net interest income $ 691.31 million
Provision for loan and lease losses $ 49.00 million
Total non interest income $ 151.56 million
Total non interest expense $ 582.23 million
Pre-tax Net Operating Income $ 116.46 million

Customer Reviews for Texas Capital Bank (7)

Rated 3.57 stars out of 5 - based on 7 reviews

  • This should be a red flag on their CD accounts! "APYs on term deposits assumes reinvestment of principal and interest at maturity, fees may reduce earnings on accounts."

  • I've had accounts with all of the more recognized banks over the years. Bask is the best for service and transfers, and the rate is better than any other. I will stick with Bask.

  • Great rates, so I opened a new savings account. Provided CORRECT information for my existing financial institute so funds could be transferred, but nothing ever showed up. Bask had no answers. Just repeated transfer instructions.

  • Easy to set up. I had some difficulties with internet access after a few months, but CSR was easy to reach. I may move my money to CDs with them if they stay competitive. Good experience overall.

  • Overall a poor experience. Attracted by their excellent interest rate. Account was very easy to setup. Since then it's been problems, primarily with customer support and getting more money into the account. Check deposit feature available on mobile app but not working. No response from email customer support after 5 days but a phone call confirmed it's intentionally disabled. Tried transfer in process instead but keep hitting an undisclosed deposit limit. I am giving up on Bask.

  • Lots of comments in other places about delayed transfers, multiple authentication processes, inability to open joint accounts. I am not sure who is writing these comments but btw they are not from real customers. I've been a customer for two years and moved over to being a savings customer from a Advantage customer. Never had a problem and the rate is now 0.25% better than any other bank.

  • Very good experience. Will stick with miles until we get to around 0.8 or 0.9.

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