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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Plainscapital Bank

University Park, Texas · $12.68B in assets · beside the 11 other Texas banks over $10B

The filing

254.6%
CRE / capital
12th of 12
87.0%
Loans / deposits
11th of 12
75.1%
Efficiency
10th of 12

Plainscapital Bank is the eighth largest of the 12 Texas banks nearest its size over $10B, with $12.68B in assets at 30 June 2026. Loans are 87.0% of deposits, 11th of 12 against a median of 81.6%, and equity is 10.7% of assets, 7th of 12. Loans grew +6.9% in the year, 5th of 11, and deposits grew 1.6%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 1.03% of the book, 7th of 11 against a median of 0.77%; 0.29% is 30 to 89 days past due, and the allowance covers them 0.9 times. Net charge-offs are 0.16% of loans, 7th of 11. Commercial real estate is 34.9% of loans, 8th of 11 against a median of 27.7%, and 255% of capital, below the 300% screen, with construction at 77% against the 100% screen.

Return on assets is 1.14%, 8th of 12 against a median of 1.33%, on an efficiency ratio of 75.1%, 10th of 12. Five years ago it was 3.09%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median 120% CS Charles Schwab Premier Bank SS 0% CS Charles Schwab Trust Bank 0% AN Amarillo National Bank 48% TC Texas Capital Bank 105% FF First Financial Bank 107% N Nexbank 116% FB Frost Bank 123% PB Prosperity Bank 171% IB International Bank of Com 215% SB Sunflower Bank National Association 228% SB Stellar Bank 246% PB Plainscapital Bank 255%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

Plainscapital Bank is the 21st largest 7(a) lender into Texas of 706, with $514M across 867 loans, 1.2% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 33 of its 72 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dallas, TX$80M14th of 3141.5%-1.4 pts
Travis, TX$79M7th of 2393.1%-1.3 pts
Tarrant, TX$67M16th of 2811.8%-0.1 pts
Harris, TX$40M47th of 3140.5%+0.7 pts
Bexar, TX$38M11th of 2371.8%+1.7 pts
Collin, TX$37M18th of 2611.4%-0.7 pts
Denton, TX$28M15th of 2241.5%-1.3 pts
Hidalgo, TX$13M9th of 943.8%thin
Cameron, TX$12M2nd of 658.4%thin
Williamson, TX$11M24th of 1811.0%-0.4 pts
Nueces, TX$10M10th of 863.5%-9.1 pts
Lubbock, TX$9M12th of 972.4%+2.2 pts
Fort Bend, TX$8M50th of 1800.5%-0.9 pts
59 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services129$80M15.2%0.10%169th of 2,596
Manufacturing92$75M14.3%0.19%93rd of 2,246
Wholesale trade48$53M10.1%0.21%89th of 1,651
Health care & social assistance109$51M9.8%0.11%130th of 2,172
Other services82$47M9.0%0.14%127th of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Plainscapital Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans PB Plainscapital Bank 1.2% $514M · 867 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Plainscapital BankRankCohort median
Total CRE against capital, the 300% screen255%12th of 12120%
Construction against capital, the 100% screen77%10th of 1239%
Construction and land development, share of loans10.6%6th of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans20.4%10th of 1110.2%
Total CRE, the guidance definition, share of loans34.9%8th of 1127.7%
CRE growth over 36 months, the third prong+8.5%6th of 10+6.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Plainscapital BankCohort median
20212026Change20212026Change
Loans$9.90B$9.27B-6%$5.53B$8.82B+59%
Deposits$11.82B$10.66B-10%$10.30B$12.17B+18%
NPA / loans3.17%1.03%-2.14 pts0.54%0.77%+0.23 pts
Efficiency66.2%75.1%+8.9 pts52.6%51.0%-1.6 pts
ROA3.09%1.14%-1.96 pts1.26%1.33%+0.06 pts

This read was prepared for Plainscapital Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Plainscapital Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B
Institution www.plainscapital.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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