PlainsCapital Bank

Headquarters: University Park, Texas
Charter: Bank
Assets: $12.7B
Fed district: Dallas
Regulator: Federal Reserve
Holding company: Diamond Hth Stock Co Gp Llc

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 4, 2026

How these figures are measured

Call-report figures are for PlainsCapital Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	PlainsCapital Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 4, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: PlainsCapital Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $4.8M in Q2 2026, 2.9% above the same quarter a year earlier ($4.7M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $12.50, the middle of its prices
PlainsCapital Bank: $10 to $15
PlainsCapital Bank: $10 to $15
U.S. median: no median
Overdraft (OD)
PlainsCapital Bank: $30
PlainsCapital Bank: $30
U.S. median: no median
NSF / Returned Item
PlainsCapital Bank: $20
PlainsCapital Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 5.8% from Q3 2025 to Q2 2026, to $4.8M.

Service-charge income, Q2 2026

$4.8M

$4.6MQ3 2025

$5.2MQ4 2025

$4.9MQ1 2026

$4.8MQ2 2026

Against the median

PlainsCapital BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

PlainsCapital Bank · $12.7B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$10.2B to $15.2B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
PlainsCapital Bank(this institution)	University Park, TX	$12.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Amarillo National Bank	Amarillo, TX	$10.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Amerant Bank, National Association	Coral Gables, FL	$10.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
BancFirst	Oklahoma City, OK	$12.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bank of America California, National Association	San Francisco, CA	$14.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Beal Bank USA	Las Vegas, NV	$11B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bell Bank	Fargo, ND	$15.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Burke & Herbert Bank & Trust Company	Alexandria, VA	$11B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Centier Bank	Whiting, IN	$10.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Columbia Bank	Fair Lawn, NJ	$12.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
ConnectOne Bank	Englewood Cliffs, NJ	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dime Community Bank	Hauppauge, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dollar Bank, Federal Savings Bank	Pittsburgh, PA	$12.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Bank of Long Beach	Long Beach, CA	$11.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	Southern Pines, NC	$13B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Commonwealth Bank	Indiana, PA	$12.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Laredo, TX	$10.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Israel Discount Bank of New York	New York, NY	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
NBH Bank	Greenwood Village, CO	$12.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oriental Bank	San Juan, PR	$12B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Origin Bank	Choudrant, LA	$10.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Popular Bank	New York, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Stifel Bank	Saint Louis, MO	$14.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Stock Yards Bank & Trust Company	Louisville, KY	$10.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Park National Bank	Newark, OH	$12.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington Trust Bank	Spokane, WA	$10.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.25 (52%) above the median of similar-sized banks.

Compared at $12.50, the middle of its two prices, against a peer median of $8.25 among 16 publishing peers.

Its two checking prices are $10 and $15.

$12.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

PlainsCapital Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for PlainsCapital Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $4.8M
vs prior quarter: −$91K−1.9%; from Q1 2026
vs a year earlier: +$135K+2.9%; from Q2 2025
vs start of range: +$205K+4.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: PlainsCapital Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$4.8M	−$91K	−1.9%
Q1 2026	$4.9M	−$255K	−4.9%
Q4 2025	$5.2M	+$611K	+13.4%
Q3 2025	$4.6M	−$130K	−2.8%
Q2 2025	$4.7M	−$24K	−0.5%
Q1 2025	$4.7M	−$23K	−0.5%
Q4 2024	$4.7M	+$117K	+2.5%
Q3 2024	$4.6M	+$69K	+1.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from PlainsCapital Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee$15
per month
Monthly service fee$10
per month
Paper Statements 6$2
per month
Returned Mail fee$5

Overdraft & NSF

Overdraft Item Fee (per item)$30
per item
NSF Item Fee (per item, per presentment)$20
per item

ATM & Card

ATM Usage at Non-PlainsCapital Bank ATM (domestic or international): Per Transaction$2
per transaction
Replacement MasterCard Debit Card$5

Wire Transfers

Outgoing domestic wire transfer$35
Incoming wire transfer$15

Check Services

Official checks$5
Official check stop payment$50
Stop payment order$30
Canadian item deposited$5
Incoming/Outgoing domestic collection Item with documentation$30
International item collection$35

Cash & Deposit

International returned item$35
Returned deposited item$12

Account Services

Notary Fee$4
Drill lock$350
Not compared: Box drilling or key fee
Size: 10X10X21$110
Size: 3X10X21$45
Size: 3X5X21$25
Size: 4X5X21$30
Size: 5X10X21$60
Writ of Garnishment$100
Legal process fees$75

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$15	per month	None
Monthly service fee	$10	per month	None
Paper Statements 6	$2	per month	None
Returned Mail fee	$5	Not stated	None
Overdraft & NSF
Overdraft Item Fee (per item)	$30	per item	None
NSF Item Fee (per item, per presentment)	$20	per item	None
ATM & Card
ATM Usage at Non-PlainsCapital Bank ATM (domestic or international): Per Transaction	$2	per transaction	None
Replacement MasterCard Debit Card	$5	Not stated	None
Wire Transfers
Outgoing domestic wire transfer	$35	Not stated	None
Incoming wire transfer	$15	Not stated	None
Check Services
Official checks	$5	Not stated	None
Official check stop payment	$50	Not stated	None
Stop payment order	$30	Not stated	None
Canadian item deposited	$5	Not stated	None
Incoming/Outgoing domestic collection Item with documentation	$30	Not stated	None
International item collection	$35	Not stated	None
Cash & Deposit
International returned item	$35	Not stated	None
Returned deposited item	$12	Not stated	None
Account Services
Notary Fee	$4	Not stated	None
Drill lock	$350Not compared: Box drilling or key fee	Not stated	None
Size: 10X10X21	$110	Not stated	None
Size: 3X10X21	$45	Not stated	None
Size: 3X5X21	$25	Not stated	None
Size: 4X5X21	$30	Not stated	None
Size: 5X10X21	$60	Not stated	None
Writ of Garnishment	$100	Not stated	None
Legal process fees	$75	Not stated	None

Correct a fee source

Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where PlainsCapital Bank operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve and Texas Department of Banking

The Federal Reserve and Texas Department of Banking have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve and Texas Department of Banking, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when PlainsCapital Bank's safe deposit box changes in our data

We check once a day and send one email covering every change.