Texas Capital Bank

Headquarters

2000 Mckinney Ave
Dallas, TX 75201
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	N.A.	5.50% →
1-Year CD	N.A.	4.65% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Reviewed by 6CellBattery | August 26, 2023 |

I have no issues with Bask Bank nor Texas Capital Bank. They provide good apy on savings and CD's, bank to keep funds secured so yes they do have strict security measures but if you don't like it than go to your local bank that pays 0.01 apy.

Most of the time, the user did something to cause there account to get locked out, like a rapid ach transfer out, well why would you open a savings account than just to transfer it out a month later?! Don't open an online savings account than and you'll be fine.

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Articles
Reviews

2024 Overview

General Bank Information

Texas Capital Bank is an FDIC insured institution located in Dallas, TX. It was founded in 1997 and has approximately $29.73 billion in assets. Customers can open an account at one of its 16 branches.


FDIC Insured	Yes
FDIC Certificate	# 34383
Date Established	1997
Assets	$ 29.73 billion
Loans	$ 21.55 billion
Deposits	$ 23.97 billion
Capital	$ 3.39 billion

For a more detailed analysis of Texas Capital Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 23, 2024

Your Current Location: Ohio, OH 43085

Online Only Savings Rates of Bask Bank

Online Savings Rates	APY	MIN	MAX
Interest Savings Account	4.50%	$0	-	Learn More Reviews

Online Only CD Rates of Bask Bank

Online CD Rates	APY	MIN	MAX
3 Month CD	4.65%	$1,000	-	Learn More Reviews
6 MONTH	4.45%	$1,000	-	Learn More Reviews
9 Month CD	4.30%	$1,000	-	Learn More Reviews
12 MONTH	4.25%	$1,000	-	Learn More Reviews
18 MONTH	3.90%	$1,000	-	Learn More Reviews
24 MONTH	3.75%	$1,000	-	Learn More Reviews

Checking Rates	APY	MIN	FEE
Capital Checking	0.10%	$1,500	$10.00	Learn MoreShow Less
Smart Checking	0.00%	$0	$0.00	Learn MoreShow Less
Capital Interest Checking	0.05%	$2,500	$12.00	Learn MoreShow Less

Bank Online Offers

Bask's Interest Savings Account Rate is now 0.80% APY

Apr 2, 2022

Bask raised its interest savings account rate from 0.70% to 0.80% APY.

Bask Raises Its Online Savings Rate to 1.25%

May 5, 2022

This is the point where long-time account holders of Bask's AAdvantage program may want to start to seriously thinking about switching over the cash interest.

Bask Bank Raises Online Savings to 2.02% APY

Jul 20, 2022

Bask has raised its online savings rate to 2.02% APY. As of this moment, this is the highest nationally available online savings rate.

Learn More

Bank Bank increases Its Online Savings Rate to 2.20% APY

Aug 16, 2022

Bask has raised its online savings rate again.

Bask Bank Raises Online Savings to 2.53% APY

Sep 12, 2022

Bask has raised its online savings rate by 33 BPS on September 12, 2022.

Bask Bank Raises Its Online Savings Rate to 2.75%

Sep 22, 2022

Bask Bank has raised its online savings rate from 2.53% to 2.75% in the aftermath of the Fed's move to raise the Fed Funds over 3%.

Bask Bank Raises Its Online Savings Rate to 3.05%

Oct 13, 2022

The bank has raised its online savings rate from 2.75% to 3.05% APY this morning.

Bask Bank's Online Savings Rate is Now 3.60% APY; CDs also Raised

Nov 4, 2022

Bask has raised its online rate to 3.60%. Its 6-month CD is at 4.00% and its 12-month CD is at 4.10%.

Bask Bank Raises Its Online Savings Rate to 3.85%

Nov 30, 2022

Bask Bank has raised its online savings rate from 3.60% to 3.85% APY today.

Bask Bank Raises Its Online Savings Rate to 4.03% APY

Dec 13, 2022

Bask Bank has raised its online savings rate to 4.03% APY this morning. It had previously been at 3.85%.

Bask Bank Raises Online Savings to 4.25% APY

Feb 4, 2023

Bask Bank's rate had previously stood at 4.15% APY.

Bask Bank also raised its 6-month and 12-month CD rate to 4.45% and 4.55%, respectively.

Bask Bank Raises Online Savings Rate to 4.35% APY

Mar 13, 2023

Bask Bank has raised its online savings rate by 10 basis points today.

Bask Bank Raises Interest Savings Rate to 4.45% APY

Mar 20, 2023

Bask raised its interest savings rate today by 10 basis points to 4.45% APY.

It also raised its 6-month and 12-month CD rates to 4.85% APY and 4.70% APY, respectively.

Bask Bank Raises Interest Savings Rate to 4.65% APY

Apr 12, 2023

Bask has raised its online savings rate by 20 basis points today.

Bask Raises Its Online Interest Savings Account by 10 basis points to 4.75% APY

Apr 27, 2023

Bask has raised its interest savings account to 4.75% APY.

Even for those valuing American Airlines miles highly, this rate is more superior to earning 2 AA miles per dollar per year in its mileage savings account.

Bask Bank Raises Interest Savings Rate to 5.00% APY

Jul 31, 2023

Bask Bank has raised its interest savings rate from 4.85% to 5.00% APY.

Bask's mileage savings program now offers 2.50 AA miles per year per dollar on deposit, and offers a 20,000 point bonus for $50,000 on deposit for more than 180 days.

Bask Bank Raises Its Online Interest Savings Account by 10 basis points to 5.10% APY

Oct 18, 2023

Bask continues to be a rate leader on the savings side and now offers an online rate slightly above many other well-known online banks.

Bask Lowers Its CD Rates

Aug 1, 2024

Bask Bank has lowered its CD rates slightly. Its 12-month rate now stands at 5.25% APY and its 6-month rate now stands at 5.30% APY.

These rates are still very attractive compared to Treasurys, especially for those residing in states without state income tax.

Bask Bank Slashes CD Rates

Sep 9, 2024

Bask Bank has slashed its CD rates.

Its 18-month and 2-year CDs had been market leading until today. The 18-month was lowered from 4.90% to 4.75% APY. The 2-year fell from 4.75% to 4.50% APY. All other terms were lowered as well.

Bask Bank entered the market several years ago by offering savings accounts that pay interest in the form of American Airlines miles. While Bask's mileage savings account has not be interesting for some time, it sure seems we might be going back to an interest rate environment were it becomes worthy of consideration.

Bask Bank Lowers Its Online Savings Rate

Dec 20, 2024

Bask Bank has lowered its online savings rate from 4.65% to 4.50% APY.

Loan Rates - December 23, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Texas Capital Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.368%	6.250% 0.75 points $4,003 fees	$1,971	Learn More
NMLS ID: 2578474	6.596%	6.500% 0.63 points $3,210 fees	$2,023	Learn More
NMLS ID: 66247	6.711%	6.625% 0.88 points $2,854 fees	$2,049	Learn More
NMLS ID: 1025894	6.863%	6.750% 1.00 points $3,705 fees	$2,076	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Texas Capital Bank
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Branches

Texas Capital Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Texas Capital Bank Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Bank Direct Internet Branch	872.22	A	View Lobby Hours
Lakeside Banking Center Branch	872.22	B	View Lobby Hours
Plano Branch	872.95	C	View Lobby Hours
Midway Branch	879.37	D	View Lobby Hours
Premier Branch	880.61	E	View Lobby Hours
Messenger Service Branch - S Texas	883.61	F	View Lobby Hours
Texas Capital Bank, National Association	883.63	G	View Lobby Hours
Fort Worth Tower Branch	908.40	H	View Lobby Hours
Houston	965.97	I	View Lobby Hours
Houston Westway Ii Branch	966.06	J	View Lobby Hours
Austin Branch	1029.18	K	View Lobby Hours
Quarry Heights Branch	1093.17	L	View Lobby Hours
San Antonio Branch	1095.51	M	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

Texas Capital Bank is a significant funding source for the oil and gas industry and has no climate action plan.

Updated April 3, 2024

Climate Score: D

In spite of its location in Austin, the bank has not financed any renewable energy project, has no climate action plan and remains a significant funding source for the oil and gas industry.

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Financial Details

Texas Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Texas Capital Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

Texas Capital Bank	U.S. Bank Average
2.34%	4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, Texas Capital Bank had $85,371,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,388,324,000 in equity and $267,297,000 in loans loss reserves. That gives it a Texas Ratio of 2.34%.

Return on Equity

Texas Capital Bank	U.S. Bank Average
4.68%	10.46%

Texas Capital Bank has a Return on Equity of 4.68% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

Texas Capital Bank	U.S. Bank Average
11.4%	10.84%

Texas Capital Bank has a Capitalization of 11.4% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Texas Capital Bank Balance Sheet Analysis

As of June 30, 2024, Texas Capital Bank had assets of $29,733,816,000, loans of $21,548,218,000, and deposits of $23,972,045,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024

ASSETS
Cash & Balances due from depository institutions	$ 2.90 billion
Interest-bearing balances	$ 2.69 billion
Total securities	$ 4.35 billion
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 21.55 billion
Loan loss allowance	$ 267.30 million
Trading account assets	$ 11.29 million
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 2.02 million
All other assets	$ 544.25 million
Total Assets	$ 26.35 billion

LIABILITIES
Total deposits	$ 23.97 billion
Interest-bearing deposits	$ 15.83 billion
Deposits held in domestic offices	$ 23.97 billion
% insured (estimated)	59.91%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	$ 72.16 million
Other borrowed funds	$ 2.91 billion
Subordinated debt	$ 174.59 million
All other liabilities	$ 328.29 million
Total Liabilities	$ 26.35 billion
Shareholders’ Equity	$ 3.39 billion

Summary Income Statement

June 30, 2024

INCOME AND EXPENSES
Total Interest Income	$ 840.44 million
Total Interest Expense	$ 395.82 million
Net interest income	$ 444.62 million
Provision for loan and lease losses	$ 39.00 million
Total non interest income	$ 89.87 million
Total non interest expense	$ 388.17 million
Pre-tax Net Operating Income	$ 116.46 million

Bank Loan Profile^?

The top three loan types in Texas Capital Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Texas, Texas Capital Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	1.61	✓
Multifamily Mortgages	2.63		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.00	✓
Small Business Loans	0.34	✓
Construction and Development Loans	8.38		✓
Commercial Real Estate	10.15		✓
Commercial and Industrial Loans	44.72			✓
Farm Loans	0.02		✓

Texas Capital Bank Articles

View all articles with Texas Capital Bank →

Customer Reviews for Texas Capital Bank

6CellBattery

August 26, 2023 |

I have no issues with Bask Bank nor Texas Capital Bank. They provide good apy on savings and CD's, bank to keep funds secured so yes they do have strict security measures but if you don't like it than go to your local bank that pays 0.01 apy.

Most of the time, the user did something to cause there account to get locked out, like a rapid ach transfer out, well why would you open a savings account than just to transfer it out a month later?! Don't open an online savings account than and you'll be fine.

Is this review helpful? Yes:3 / No: 1
jhawk1500

September 21, 2022 |

I opened an account with Bask, a subsidiary of Texas Capital Bank, funded the account, and several days later, Bask "disabled" my account without notifying me or providing any explanation. In other words, they held my account funds hostage for weeks. Only after I initiated an FDIC investigation, did Bask make an effort to communicate. Bask never disclosed as to why they shut me out of my account. Don't do it! Bask, a subsidiary of Texas Capital Bank, is a despicable institution: not worth the risk or the stress.

Is this review helpful? Yes:12 / No: 3