PlainsCapital Bank
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.
- Company typePrivate
- Founded1989
- HeadquartersDallas, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
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.
PlainsCapital Bank firmographics
Firmographics- 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
PlainsCapital Bank industry classification
Industry- 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
Where PlainsCapital Bank is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
PlainsCapital Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- 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.
- 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.
- 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.
- Treasury Management Fees: Fees from commercial treasury management services including ACH origination, wire transfers, Positive Pay, fraud protection, lockbox services, and business online services.
- 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.
- Wealth Management: Revenue from private banking services including investment management, trust and estate services, financial planning, family office services, and private/executive lending.
- Broker-Dealer Revenue: Revenue from Hilltop Securities municipal investment banking operations (Hilltop Holdings subsidiary alongside PlainsCapital Bank and PrimeLending).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | PremierAccess Checking - $15/mo, $100 min opening, requires $10,000 balance or $25,000 combined loan/deposit to avoid fee |
| Subscription | Monthly | TotalAccess Checking - $10/mo, $100 min opening, requires $2,500 balance or $1,500 direct deposit |
| Subscription | Monthly | BasicAccess Checking - $5/mo for age 26+, $25 min opening, no minimum balance |
| Subscription | Monthly | LegacyAccess Checking (62+) - $5/mo, $100 min opening, requires $1,000 balance or $1,000 direct deposit |
| Subscription | Monthly | Personal Savings - $5/quarter fee if minimum not met, $100 min opening |
| Subscription | Monthly | Money Market Account - $10/mo fee if minimum not met, $2,500 min opening |
| One time/ perpetual license | Pay-as-you-go | Certificates of Deposit - $1,000 min opening, terms from 30 days to 5 years |
| Subscription | Monthly | Momentum Max Bundle - Core rate 2.00% APY, Enhanced rate 2.50% APY, Max rate 3.00% APY |
| Usage-based | Pay-as-you-go | Momentum Express Business Loans - Loans up to $250,000, lines of credit up to $100,000 |
| Usage-based | Pay-as-you-go | Personal Line of Credit - Credit line up to $10,000 |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels8 records
PlainsCapital Bank product offering
Product offeringCore 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
Companies that use PlainsCapital Bank
Customer profileNamed customers5 records
Segments12 records
Ideal customer profiles10 records
PlainsCapital Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
AI capability1 record
Feature5 records
PlainsCapital Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- North Texas Food BankcorePlainsCapital 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 FoundationminorPlainsCapital 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
PlainsCapital Bank competitors and assessment
Company assessmentDirect 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
PlainsCapital Bank social profiles
Digital presencePlainsCapital Bank compliance and trust
Trust signalCompliance2 records
PlainsCapital Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
PlainsCapital Bank leadership team
Management profileNumber of profiles
Profiles7 records
PlainsCapital Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
PlainsCapital Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PlainsCapital Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PlainsCapital Bank
What does PlainsCapital Bank do?
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.
Is PlainsCapital Bank a public or private company?
PlainsCapital Bank is a private company. It is classified as corporate owned and is currently operating.
When was PlainsCapital Bank founded?
PlainsCapital Bank was founded in 1989. It employs 1,001 to 5,000 people.
Where is PlainsCapital Bank based?
PlainsCapital Bank is headquartered in Dallas, United States, in the North America region.
How does PlainsCapital Bank make money?
Seven revenue lines are on record. Net Interest Income is the primary driver. The others are mortgage Origination, deposit Service Charges, treasury Management Fees, merchant Services, wealth Management and broker-Dealer Revenue.
Who are PlainsCapital Bank's main competitors?
Direct peers on record are Texas Capital Bank, First Financial Bankshares, Prosperity Bancshares, Independent Bank Group, Cadence Bank and Cullen/Frost Bankers (Frost Bank). Rocket Mortgage is listed as an others. Broad incumbents are Comerica Bank and Amegy Bank (Zions Bancorporation). International Bancshares / IBC Bank is listed as a regional player.
Does PlainsCapital Bank have an API?
No public API is recorded for PlainsCapital Bank.
What industry is PlainsCapital Bank in?
PlainsCapital Bank's product category is Community Banking. Its primary akta.pro industry code is FSABADAE, Private Banking Lending (Securities-Backed, Real Estate, Structured Credit), with a secondary code of FSALAEAA, Prime (Agency/Conforming) Mortgage Servicing. Its NAICS code is 522110 and its SIC code is 6022.