Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Good asset quality (6.7). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (4.6) profitability.
Asset Mix:
Comm loans (27%), securities (13%), cash (10%), comm re (8%), home mtgs (1%), consumer loans (0%), other (41%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Texas Capital Bancshares, Inc.
Investment Rating
--
Address
2000 McKinney Avenue
Dallas, TX 75201
Dallas, TX 75201
Phone Number
(214) 932-6600
Year Founded
1997
FDIC Number
Website
Largest Affiliates
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