PlainsCapital Bank

What PlainsCapital Bank does

PlainsCapital Bank is a Texas-chartered community bank and wholly owned subsidiary of Hilltop Holdings Inc. (NYSE:HTH), headquartered in Dallas and operating 54 branches across Texas, where it ranks as the seventh-largest bank in the state. Founded in 1989, the bank delivers personal banking (seven consumer checking tiers, savings, money market, CDs, IRAs), full-service business banking (seven commercial checking tiers, SBA Preferred Lender status, agricultural lending, real estate lending, and the Momentum Express small business loan product), and a differentiated treasury management platform centered on fraud protection (Positive Pay, ACH Fraud Module), receivables/payables automation, ZEscrow, merchant services, and national warehouse lending for mortgage bankers. Wealth management is delivered through The Private Bank, which provides investment management, trust and estate services, financial planning, family office, private/executive lending, and oil-and-gas mineral rights management.

The bank's revenue model is anchored in net interest income on its loan and deposit franchise (Q1 2026 NII of $112M, +6.7% YoY, 3.38% NIM), augmented by fee income from deposit service charges, treasury management, merchant services, wealth management, and mortgage origination through its wholly owned PrimeLending subsidiary (which operates in all 50 states and produced $2.0B in Q1 2026 originations, +16.5% YoY). Technology infrastructure includes a digital banking platform with iOS/Android mobile apps, Business Online Services, Personal Teller Machines (live-teller ATMs with extended hours), WirePoint wire origination technology, the SWIFT network for international wires, and direct integrations with payment networks and identity-protection partners. Distribution combines 54 Texas branches, dedicated SBA loan specialists in Dallas/Fort Worth/Houston, an inside sales treasury management team, and the national PrimeLending and warehouse lending sales channels.

PlainsCapital serves individual consumers, small-to-mid-sized businesses, vertical-specific segments (agriculture, healthcare, manufacturing, attorneys, nonprofits, public funds, financial institutions, real estate developers), and high-net-worth households. Capital is strong at the parent level (19.1% CET1), enabling continued loan growth, capital return ($59.3M to shareholders in Q1 2026 via dividends and buybacks), and integration synergies across the Hilltop Holdings tripartite structure (banking, broker-dealer, mortgage). The franchise remains regional in deposit gathering but has national footprint through PrimeLending origination and warehouse lending.

Name

PlainsCapital Bank

Legal name

PlainsCapital Bank

Website

https://plainscapital.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

PlainsCapital Bank is a Dallas-based, Texas-chartered community bank (54 branches, seventh-largest in Texas) operating as a wholly owned subsidiary of Hilltop Holdings Inc., serving consumers, SMBs, and high-net-worth households with full-service banking, SBA loans, treasury management, and wealth services, plus national mortgage origination through subsidiary PrimeLending.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Real Estate Credit (522292)

SIC

State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

akta.pro secondary industries

Prime (Agency/Conforming) Mortgage Servicing (FSALAEAA), Jumbo & Portfolio Wholesale Lending (FSALACAF)

Keywords

• Community banking services
• Commercial lending
• Treasury management
• Mortgage origination
• Wealth management services

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Primary revenue stream from spread between interest earned on loans (especially commercial loans) and interest paid on deposits. Delivered $112 million in Q1 2026 with 6.7% YoY growth. Net interest margin of 3.38% at PlainsCapital Bank level.
2. Mortgage Origination: Revenue from mortgage lending through PrimeLending subsidiary. Mortgage origination volume grew 16.5% YoY to $2.0 billion in Q1 2026. Full-year guidance of $9-10 billion in production.
3. Deposit Service Charges: Fees from business and personal deposit accounts including monthly service fees, overdraft fees, and per-item charges across various checking and savings account tiers.
4. Treasury Management Fees: Fees from commercial treasury management services including ACH origination, wire transfers, Positive Pay, fraud protection, lockbox services, and business online services.
5. Merchant Services: Payment processing revenue from credit and debit card acceptance solutions including point of sale, mobile, e-commerce, gift cards, and contactless payment solutions for businesses.
6. Wealth Management: Revenue from private banking services including investment management, trust and estate services, financial planning, family office services, and private/executive lending.
7. Broker-Dealer Revenue: Revenue from Hilltop Securities municipal investment banking operations (Hilltop Holdings subsidiary alongside PlainsCapital Bank and PrimeLending).

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels8 records

Core offering

PlainsCapital Bank is a Texas-chartered community bank operating 54 branches across Texas, providing personal banking (checking, savings, CDs, IRAs, consumer loans), business banking (seven checking tiers, business loans, SBA Preferred Lender services), treasury management (receivables, payables, fraud protection, merchant services, escrow), and wealth management (investment management, trust and estate services, family office). The bank also operates PrimeLending, a wholly-owned mortgage subsidiary originating home loans in all 50 states, and a National Warehouse Lending division serving mortgage bankers.

Product overview

PlainsCapital Bank is a Texas-chartered community bank offering a comprehensive financial services platform across personal banking, business banking, treasury management, and wealth management. The core banking infrastructure includes personal checking (7 variants: PremierAccess, TotalAccess, BasicAccess, LegacyAccess, Protect & Serve, Bank at Work, Youth Debit), savings/money market accounts, CDs, IRAs, and currency exchange. The bank operates PrimeLending as a wholly-owned mortgage subsidiary offering home loans in all 50 states with $500 closing cost discounts for bank customers. Business banking encompasses 7 checking tiers (Momentum Max Bundle offering up to 3.00% APY), business loans including SBA Preferred Lender services, and specialized Momentum Express expedited lending. Treasury Management provides receivables automation, liquidity management, fraud protection (Positive Pay, ACH Fraud Module), merchant services, The One Card corporate payments, ZEscrow, and National Warehouse Lending for mortgage bankers. The Private Bank delivers investment management, trust/estate services, financial planning, family office, private/executive lending, and oil/gas management. The bank operates 54 branches in Texas (seventh-largest in Texas) and serves customers nationally through digital channels and PrimeLending.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Seven checking account variants for individual consumers including PremierAccess (premium tiered interest), TotalAccess (convenience), BasicAccess (Bank On certified, no overdraft fees), LegacyAccess (seniors 62+), Protect & Serve (first responders/military), Bank at Work (employer partner program), and Youth Debit Account.

Quantifiable outcome

• Q1 2026 net interest income of $112 million with 6.7% YoY growth driven by commercial loan expansion
• +4 more outcomes

Named customers5 records

Segments12 records

Ideal customer profiles10 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

AI capability1 record

Feature5 records

Partnerships

Two partnerships are on record, tiered core and minor.

• North Texas Food BankcoreStrategic or Co-development Partner · 6 November 2025PlainsCapital Bank sponsored and unveiled a co-branded truck for North Texas Food Bank. The bank and employees contributed over 2 million meals since 2010. Partnership planned to continue through 2027. Recognition at NTFB Golden Fork Awards.
• Texas Access to Justice FoundationminorStrategic or Co-development PartnerPlainsCapital Bank partners with the Texas Access to Justice Foundation through its IOLTA (Interest on Lawyers' Trust Accounts) program, paying higher than legally mandated minimum rates to help provide pro bono legal services to low-income individuals.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Texas Capital Bank: Texas-focused commercial bank serving businesses and high-net-worth clients with treasury management, lending, and wealth services. Comparable SMB and commercial banking focus within Texas.
• First Financial Bankshares: Texas-based community banking franchise with comparable relationship-based commercial and consumer banking across multiple Texas regions.
• Prosperity Bancshares: Texas-headquartered community bank with broad branch presence, consumer and commercial banking, mortgage, and treasury services. Similar size tier and community banking orientation.
• Independent Bank Group: Texas community bank holding company with comparable branch-based community banking model, mortgage, and commercial lending focus across Texas metros.
• Cadence Bank: Regional bank with significant Texas presence offering commercial, treasury, and wealth services similar to PlainsCapital's mid-market banking platform.
• Cullen/Frost Bankers (Frost Bank): Texas-headquartered community and commercial bank with comparable relationship-banking heritage, multi-segment offerings (commercial, consumer, wealth), and similar Texas branch footprint. Closest direct peer in scale and operating model.

Others

• Rocket Mortgage: National retail mortgage lender analogous to PrimeLending's mortgage origination business; relevant for benchmarking PrimeLending's national volume and customer experience.

Broad incumbents

• Comerica Bank: Larger Texas-headquartered commercial bank competing for the same middle-market and treasury management relationships PlainsCapital targets, but operating at broader national scale.
• Amegy Bank (Zions Bancorporation): Texas-dedicated subsidiary of Zions Bancorporation offering commercial, treasury, and wealth services — direct overlap in product set and customer segments in Texas.

Regional players

• International Bancshares / IBC Bank: Texas and border-banking franchise with comparable retail, commercial, and treasury product set; competing in overlapping Texas geographies with differentiated Mexico-corridor focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/plainscapital
• YouTubeyoutube.com/user/PlainsCapitalBank
• Facebookfacebook.com/plainscapital
• LinkedInlinkedin.com/company/16093
• Instagraminstagram.com/plainscapital

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PlainsCapital Bank