Texas Capital Bank

Texas Capital Bank is a commercial bank headquartered in Dallas, Texas, and a subsidiary of Texas Capital Bancshares. It focuses primarily on business and commercial banking rather than traditional retail consumer banking, serving middle-market companies, entrepreneurs, and high-net-worth individuals in Texas and selected US markets.

For businesses, Texas Capital Bank commonly provides commercial loans, commercial real estate financing, business deposit accounts, treasury management services, and wealth management. The bank works with companies across a range of industries and is generally regarded as active in middle-market commercial lending within Texas.

For individual consumers, Texas Capital Bank's retail banking offering is more limited than a standard community or regional bank. The bank generally targets business owners and professionals rather than everyday retail customers. Individual banking services such as private wealth management and deposit accounts are available to qualifying clients.

Texas Capital Bank does not operate an extensive consumer-facing branch network in the way that large retail banks do. Its model centres on relationship banking for business clients, with dedicated bankers serving client needs directly.

The bank has expanded some of its capabilities in recent years, including into investment banking and capital markets services through Texas Capital Securities. This further distinguishes it from traditional community banks.

Consumers looking for standard retail banking products such as consumer credit cards, standard auto loans, or everyday checking accounts are likely to find more suitable options at retail-focused banks or credit unions.

Texas Capital Bank is FDIC-insured and deposits are covered up to applicable limits. Product availability is primarily oriented toward commercial and business clients.