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
1997 and has approximately $32 billion in
assets. Customers can open an account at one of its 16 branches.
Deposit Rates - January 27, 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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Featured 30-Year Fixed Mortgage Rates
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Overview 2023
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 34383 |
Date Established | 1997 |
Assets | $ 32.33 billion |
Loans | $ 23.84 billion |
Deposits | $ 25.76 billion |
Capital | $ 3.05 billion |
Summary Balance Sheet
ASSETS | |
Cash & Balances due from depository institutions | $ 4.21 billion |
Interest-bearing balances | $ 3.97 billion |
Total securities | $ 3.55 billion |
Federal funds sold and reverse repurchase | $ 67.92 million |
Net loans and leases | $ 23.84 billion |
Loan loss allowance | $ 229.01 million |
Trading account assets | $ 11.05 million |
Bank premises and fixed assets | N.A. |
Other real estate owned | N.A. |
Goodwill and other intangibles | $ 18.35 million |
All other assets | $ 544.25 million |
Total Assets | $ 29.28 billion |
LIABILITIES | |
Total deposits | $ 25.76 billion |
Interest-bearing deposits | $ 12.88 billion |
Deposits held in domestic offices | $ 25.76 billion |
% insured (estimated) | 24.94% |
Federal funds purchased and repurchase agreements | $ 1.54 million |
Trading liabilities | $ 46.22 million |
Other borrowed funds | $ 2.91 billion |
Subordinated debt | $ 224.07 million |
All other liabilities | $ 328.29 millionn |
Total Liabilities | $ 29.28 billion |
Shareholders’ Equity | $ 3.05 billion |
Summary Income Statement
INCOME AND EXPENSES | |
Total Interest Income | $ 450.47 million |
Total Interest Expense | $ 54.24 million |
Net interest income | $ 396.23 million |
Provision for loan and lease losses | $ 20.00 million |
Total non interest income | $ 55.23 million |
Total non interest expense | $ 315.00 million |
Pre-tax Net Operating Income | $ 116.46 million |
Customer Reviews for Texas Capital Bank (5)
Rated 3.80 stars out of 5 - based on 5 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%1.41x (National Avg. - 0.28%)$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-$50,00012 Month4.15%9.63x (National Avg. - 0.43%)$2,500-SCENARIO
Year Rate
4.15%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,075 1,453 2 52,075 2,161 1,513 3 54,236 2,251 1,576 4 56,487 2,344 1,641 5 58,831 2,441 1,709 6 61,273 2,543 1,780 7 63,815 2,648 1,854 8 66,464 2,758 1,931 9 69,222 2,873 2,011 10 72,095 2,992 2,094 11 75,087 3,116 2,181 12 78,203 3,245 2,272 13 81,448 3,380 2,366 14 84,828 3,520 2,464 15 88,349 3,666 2,567 16 92,015 3,819 2,673 17 95,834 3,977 2,784 18 99,811 4,142 2,900 19 103,953 4,314 3,020 20 108,267 4,493 3,145 TOTAL $62,760 $43,932 - 3LOCAL CDOnline Bank-$50,00024 Month4.30%7.80x (National Avg. - 0.55%)$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-$50,00060 Month4.40%5.45x (National Avg. - 0.81%)$2,500-SCENARIO
Year Rate
4.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,200 1,540 2 52,200 2,297 1,608 3 54,497 2,398 1,679 4 56,895 2,503 1,752 5 59,398 2,614 1,829 6 62,012 2,729 1,910 7 64,740 2,849 1,994 8 67,589 2,974 2,082 9 70,563 3,105 2,173 10 73,667 3,241 2,269 11 76,909 3,384 2,369 12 80,293 3,533 2,473 13 83,825 3,688 2,582 14 87,514 3,851 2,695 15 91,364 4,020 2,814 16 95,384 4,197 2,938 17 99,581 4,382 3,067 18 103,963 4,574 3,202 19 108,537 4,776 3,343 20 113,313 4,986 3,490 TOTAL $68,299 $47,809
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.