Texas Capital Bank
For information concerning BankDirect, a division of Texas Capital Bank online bank, please click here .
Phone: 214.932.6600
Texas Capital Bank is an FDIC insured institution headquartered at
2000 Mckinney Ave, Dallas, TX 75201.
It was founded in
1997 and has approximately $32 billion in assets. Customers can open an account at one of its 16 branches.
Deposit Rates - December 16, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
3.95% | $0 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
1 Mo CD
|
1.00% | $1,000 | Compare |
|
3 Mo CD
|
4.05% | $1,000 | Compare |
|
6 Mo CD
|
3.85% | $1,000 | Compare |
|
12 Mo CD
|
3.90% | $1,000 | Compare |
|
18 Mo CD
|
3.85% | $1,000 | Compare |
|
24 Mo CD
|
3.75% | $1,000 | Compare |
|
36 Mo CD
|
0.25% | $10,000 | Compare |
|
48 Mo CD
|
0.25% | $10,000 | Compare |
|
60 Mo CD
|
0.25% | $10,000 | Compare |
Featured Home Equity Rates
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$0 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
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NMLS ID: 3030Fees & Points Total
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$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 34383 |
| Date Established | 1997 |
| Assets | $ 31.63 billion |
| Loans | $ 23.65 billion |
| Deposits | $ 26.53 billion |
| Capital | $ 3.29 billion |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 2.50 billion |
| Interest-bearing balances | $ 2.34 billion |
| Total securities | $ 4.57 billion |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 23.65 billion |
| Loan loss allowance | $ 277.65 million |
| Trading account assets | $ 30.86 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 1.80 million |
| All other assets | $ 544.25 million |
| Total Assets | $ 28.34 billion |
| LIABILITIES | |
| Total deposits | $ 26.53 billion |
| Interest-bearing deposits | $ 18.35 billion |
| Deposits held in domestic offices | $ 26.53 billion |
| % insured (estimated)" | 58.97% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | $ 21.91 million |
| Other borrowed funds | $ 2.91 billion |
| Subordinated debt | $ 134.41 million |
| All other liabilities | $ 328.29 millionn |
| Total Liabilities | $ 28.34 billion |
| Shareholders’ Equity | $ 3.29 billion |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 864.12 million |
| Total Interest Expense | $ 366.00 million |
| Net interest income | $ 498.13 million |
| Provision for loan and lease losses | $ 32.00 million |
| Total non interest income | $ 63.94 million |
| Total non interest expense | $ 354.12 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
Branches
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Texas Capital Bank Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.3.95%17.48x (National Avg. - 0.23%)$0-SCENARIO
Year Rate
3.95%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,975 1,383 2 51,975 2,053 1,437 3 54,028 2,134 1,494 4 56,162 2,218 1,553 5 58,381 2,306 1,614 6 60,687 2,397 1,678 7 63,084 2,492 1,744 8 65,575 2,590 1,813 9 68,166 2,693 1,885 10 70,858 2,799 1,959 11 73,657 2,909 2,037 12 76,567 3,024 2,117 13 79,591 3,144 2,201 14 82,735 3,268 2,288 15 86,003 3,397 2,378 16 89,400 3,531 2,472 17 92,931 3,671 2,570 18 96,602 3,816 2,671 19 100,418 3,967 2,777 20 104,384 4,123 2,886 TOTAL $58,508 $40,955 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
JQ25
July 20, 2023 |
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."
Phil52970
March 28, 2023 |
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.
NY38
December 4, 2022 |
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.
YaT1977
November 12, 2022 |
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.
LRush
August 30, 2022 |
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.
JulianC1
May 6, 2022 |
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.
MarcL
March 23, 2022 |
Very good experience. Will stick with miles until we get to around 0.8 or 0.9.