Texas Capital Bank
For information concerning BankDirect, a division of Texas Capital Bank online bank, please click here.
Texas Capital Bank is an FDIC insured institution headquartered at
2000 Mckinney Ave, Dallas, TX 75201.
It was founded in
0000 and has approximately $28 billion in
assets. Customers can open an account at one of its 16 branches.
Deposit Rates - June 6, 2023
SAVINGS RATES | APY | MIN | |
---|---|---|---|
Savings
|
0.10% | $2,500 | Compare |
CD RATES | APY | MIN | |
---|---|---|---|
6 Mo CD
|
0.40% | $10,000 | Compare |
6 Mo CD
|
0.40% | $100,000 | Compare |
12 Mo CD
|
0.50% | $10,000 | Compare |
12 Mo CD
|
0.50% | $100,000 | Compare |
18 Mo CD
|
0.35% | $10,000 | Compare |
18 Mo CD
|
0.35% | $100,000 | Compare |
24 Mo CD
|
0.25% | $10,000 | Compare |
24 Mo CD
|
0.25% | $100,000 | Compare |
30 Mo CD
|
0.25% | $10,000 | Compare |
30 Mo CD
|
0.25% | $100,000 | Compare |
36 Mo CD
|
0.25% | $10,000 | Compare |
36 Mo CD
|
0.25% | $100,000 | Compare |
48 Mo CD
|
0.25% | $10,000 | Compare |
48 Mo CD
|
0.25% | $100,000 | Compare |
60 Mo CD
|
0.25% | $10,000 | Compare |
60 Mo CD
|
0.25% | $100,000 | Compare |
VARIABLE IRA RATES | APY | MIN |
---|---|---|
Var IRA
|
0.05% | $1 |
INT CHECKING RATES | APY | MIN |
---|---|---|
Int Ckg
|
0.10% | $2,500 |
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Overview 2023
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 34383 |
Date Established | 0000 |
Assets | $ 28.40 billion |
Loans | $ 19.07 billion |
Deposits | $ 23.10 billion |
Capital | $ 3.18 billion |
Summary Balance Sheet as of December 31, 2022
ASSETS | |
Cash & Balances due from depository institutions | $ 5.01 billion |
Interest-bearing balances | $ 4.78 billion |
Total securities | $ 3.59 billion |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 19.07 billion |
Loan loss allowance | $ 253.47 million |
Trading account assets | $ 13.50 million |
Bank premises and fixed assets | N.A. |
Other real estate owned | N.A. |
Goodwill and other intangibles | $ 2.51 million |
All other assets | $ 544.25 million |
Total Assets | $ 25.22 billion |
LIABILITIES | |
Total deposits | $ 23.10 billion |
Interest-bearing deposits | $ 13.24 billion |
Deposits held in domestic offices | $ 23.10 billion |
% insured (estimated) | 41.35% |
Federal funds purchased and repurchase agreements | $ 1.14 million |
Trading liabilities | $ 91.76 million |
Other borrowed funds | $ 2.91 billion |
Subordinated debt | $ 224.20 million |
All other liabilities | $ 328.29 millionn |
Total Liabilities | $ 25.22 billion |
Shareholdersā Equity | $ 3.18 billion |
Summary Income Statement as of December 31, 2022
INCOME AND EXPENSES | |
Total Interest Income | $ 1,148.13 million |
Total Interest Expense | $ 252.01 million |
Net interest income | $ 896.13 million |
Provision for loan and lease losses | $ 66.00 million |
Total non interest income | $ 354.22 million |
Total non interest expense | $ 722.95 million |
Pre-tax Net Operating Income | $ 116.46 million |
Customer Reviews for Texas Capital Bank (6)
Rated 4.00 stars out of 5 - based on 6 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 CDBankTEXAS$50,0006 Month0.40%1.29x (National Avg. - 0.31%)$10,000-SCENARIO
Year Rate
0.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 200 140 2 50,200 201 141 3 50,401 202 141 4 50,602 202 142 5 50,805 203 142 6 51,008 204 143 7 51,212 205 143 8 51,417 206 144 9 51,623 206 145 10 51,829 207 145 11 52,036 208 146 12 52,245 209 146 13 52,454 210 147 14 52,663 211 147 15 52,874 211 148 16 53,085 212 149 17 53,298 213 149 18 53,511 214 150 19 53,725 215 150 20 53,940 216 151 TOTAL $4,156 $2,909 - 2LOCAL CDOnline Bank-$50,00060 Month4.00%4.67x (National Avg. - 0.86%)$2,500-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 - 3LOCAL CDOnline Bank-$50,00024 Month4.30%7.26x (National Avg. - 0.59%)$2,500-SCENARIO
Year Rate
4.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,150 1,505 2 52,150 2,242 1,570 3 54,392 2,339 1,637 4 56,731 2,439 1,708 5 59,171 2,544 1,781 6 61,715 2,654 1,858 7 64,369 2,768 1,938 8 67,137 2,887 2,021 9 70,024 3,011 2,108 10 73,035 3,140 2,198 11 76,175 3,276 2,293 12 79,451 3,416 2,391 13 82,867 3,563 2,494 14 86,430 3,717 2,602 15 90,147 3,876 2,713 16 94,023 4,043 2,830 17 98,066 4,217 2,952 18 102,283 4,398 3,079 19 106,681 4,587 3,211 20 111,268 4,785 3,349 TOTAL $66,053 $46,237 - 4LOCAL CDOnline Bank-$50,00012 Month4.75%10.02x (National Avg. - 0.47%)$2,500-SCENARIO
Year Rate
4.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,375 1,663 2 52,375 2,488 1,741 3 54,863 2,606 1,824 4 57,469 2,730 1,911 5 60,199 2,859 2,002 6 63,058 2,995 2,097 7 66,053 3,138 2,196 8 69,191 3,287 2,301 9 72,477 3,443 2,410 10 75,920 3,606 2,524 11 79,526 3,777 2,644 12 83,304 3,957 2,770 13 87,261 4,145 2,901 14 91,406 4,342 3,039 15 95,747 4,548 3,184 16 100,295 4,764 3,335 17 105,059 4,990 3,493 18 110,050 5,227 3,659 19 115,277 5,476 3,833 20 120,753 5,736 4,015 TOTAL $76,488 $53,542 - 5LOCAL CDBank-$50,00018 Month4.75%9.19x (National Avg. - 0.52%)$2,500-SCENARIO
Year Rate
4.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,375 1,663 2 52,375 2,488 1,741 3 54,863 2,606 1,824 4 57,469 2,730 1,911 5 60,199 2,859 2,002 6 63,058 2,995 2,097 7 66,053 3,138 2,196 8 69,191 3,287 2,301 9 72,477 3,443 2,410 10 75,920 3,606 2,524 11 79,526 3,777 2,644 12 83,304 3,957 2,770 13 87,261 4,145 2,901 14 91,406 4,342 3,039 15 95,747 4,548 3,184 16 100,295 4,764 3,335 17 105,059 4,990 3,493 18 110,050 5,227 3,659 19 115,277 5,476 3,833 20 120,753 5,736 4,015 TOTAL $76,488 $53,542 - 6LOCAL CDBank-$50,00012 Month5.20%10.97x (National Avg. - 0.47%)$1,000-SCENARIO
Year Rate
5.20%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,600 1,820 2 52,600 2,735 1,915 3 55,335 2,877 2,014 4 58,213 3,027 2,119 5 61,240 3,184 2,229 6 64,424 3,350 2,345 7 67,774 3,524 2,467 8 71,298 3,708 2,595 9 75,006 3,900 2,730 10 78,906 4,103 2,872 11 83,009 4,316 3,022 12 87,326 4,541 3,179 13 91,867 4,777 3,344 14 96,644 5,025 3,518 15 101,669 5,287 3,701 16 106,956 5,562 3,893 17 112,518 5,851 4,096 18 118,369 6,155 4,309 19 124,524 6,475 4,533 20 130,999 6,812 4,768 TOTAL $87,811 $61,468
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.