# Texas Capital Bancshares competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/texas-capital/competitors
Last updated: Oct 19, 2026

*Part of the [Texas Capital Bancshares AI strategy profile](https://www.bankingnewsai.com/banks/texas-capital). Peer group: Cullen/Frost Bankers, Hilltop Holdings, Western Alliance Bancorporation, Prosperity Bancshares, KeyCorp (KeyBank), Pinnacle Financial Partners, Bank OZK, Stifel Financial (Stifel Bank & Trust).*

## Who are Texas Capital Bancshares's competitors, and what are the alternatives?

Texas Capital's 2025 10-K, filed February 10, 2026, says its business is concentrated in Texas, 'a highly competitive market', that it primarily competes with global, national, regional and local banks, and that the largest banking organizations in Texas are controlled from outside the state. FDIC deposit data for June 30, 2025 show who those are in its home markets. In Dallas-Fort Worth, where Texas Capital holds 1.97% of deposits from 5 offices, Bank of America holds 20.54% and JPMorgan Chase 13.94%. In Houston JPMorgan Chase holds 50.61% and Texas Capital 0.70%. In Austin Texas Capital ranks second with 14.70% from a single office, behind JPMorgan Chase's 17.74%. Among Texas-headquartered banks the nearest rivals are Frost and Prosperity, and newcomers have arrived by acquisition: Huntington bought Veritex and Cadence, and Fifth Third moved Comerica's Texas banking centers onto its platforms in September 2026. In investment banking, its 2026 proxy names Evercore, Lazard, Piper Sandler and Stifel among the firms that 'represent the market in which the Company competes for clients'. In mortgage finance it meets Western Alliance's warehouse lending. The non-bank rivals are clearest in investment banking and treasury: the 10-K lists financial technology companies, securities firms and brokers among its competitors and warns of competition from stablecoin issuers after the GENIUS Act. Mercury serves more than 300,000 business customers, and Ramp reports 85,000. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Austin-Round%20Rock-San%20Marcos,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [Western Alliance Bank](https://www.westernalliancebancorporation.com/expertise/specialized-mortgage-services), [Mercury via Business Wire](https://www.businesswire.com/news/home/20260520511817/en), [TechCrunch](https://techcrunch.com/2026/10/15/ramp-reaches-60b-valuation-as-it-pushes-deeper-into-ai), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/))

## What does Texas Capital say about its competition?

"The Company's business is concentrated in Texas which is a highly competitive market for banking and other financial services. TCBI primarily competes with global, national, regional, and local bank holding companies and commercial banks. The largest banking organizations operating in Texas are headquartered outside of the state and are controlled by out-of-state organizations. TCBI also competes with other providers of financial services, such as non-bank financial institutions, commercial finance and leasing companies, consumer finance companies, financial technology companies, securities firms, insurance companies, full-service brokerage firms and discount brokerage firms, credit unions and savings and loan associations. As a tenet of TCBI's strategic plan, the Company believes that commercial businesses, entrepreneurs and professionals are interested in banking with a company both headquartered and with decision-making authority based in Texas." ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm))

"The Company's banking centers in its target markets are served by experienced bankers with expertise in the specific industries found in their market areas and established community ties. The Company believes it is positioned to offer clients more responsive, comprehensive and personalized service and advice than its competitors." The same section adds that mortgage finance, homebuilder finance, corporate and investment banking and Bask Bank, an online division, "offer profitable opportunities outside of Texas." ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm))

From the risk factors of the same 10-K: "Many of these competitors have greater financial resources, lending limits and technological resources and larger branch networks than the Company does and are able to offer a broader range of products and services than the Company can. Many competitors offer lower interest rates and more liberal loan terms that appeal to borrowers but adversely affect net interest margin and assurance of repayment. The Company is increasingly faced with competition in many of its products and services by non-bank providers who may have competitive advantages of size, access to potential customers and fewer regulatory requirements." ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm))

"In addition to the challenge of competing against other banks in attracting and retaining customers for traditional banking services, the Company's competitors also include securities dealers, brokers, investment advisors and specialty finance, telecommunications, technology and insurance companies as well as large retailers who seek to offer one-stop financial services ... Further, as a result of the GENIUS Act, passed in 2025 to provide a regulatory framework for stablecoins in the U.S., increased competition may emerge from issuers of stablecoins and providers of related technology." (2025 Form 10-K, filed February 10, 2026.) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm))

From the 2026 proxy statement, on the compensation peer group that added Evercore, Lazard, Piper Sandler and Stifel to regional banks: "These companies, like Texas Capital, deliver a mix of commercial banking, capital markets, advisory, and wealth solutions, and represent the market in which the Company competes for clients." ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm))

## Who competes with Texas Capital in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Dallas-Fort Worth, Houston, Austin and San Antonio | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | One of the out-of-state organizations the 10-K says lead Texas banking: at June 30, 2025 it held 50.61% of Houston-area deposits from 156 offices, 17.74% in Austin and 13.94% in Dallas-Fort Worth from 189 offices. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Austin-Round%20Rock-San%20Marcos,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Dallas-Fort Worth, Houston, Austin and San Antonio | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | The largest bank by deposits in Texas Capital's home market: 20.54% of Dallas-Fort Worth deposits from 120 offices at June 30, 2025, against Texas Capital's 1.97% from 5 offices. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Dallas-Fort Worth, Houston, Austin and San Antonio | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | Holds 13.92% of Austin deposits, just behind Texas Capital's 14.70%, 8.86% in Houston and 3.43% in Dallas-Fort Worth (June 30, 2025). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Austin-Round%20Rock-San%20Marcos,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Dallas-Fort Worth, Houston, Austin and San Antonio | [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Bank | The largest Texas-headquartered rival and a member of Texas Capital's 2026 proxy peer group: 7.26% of Austin, 2.30% of Houston and 1.57% of Dallas-Fort Worth deposits (June 2025), and about 15 new branches planned for 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Austin-Round%20Rock-San%20Marcos,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) |
| Home region: Dallas-Fort Worth, Houston, Austin and San Antonio | [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Bank | Houston-based and the second-largest Texas-headquartered bank after its Stellar merger closed on July 1, 2026, with 363 locations; its CEO blamed rivals' aggressive pricing for a 1% loan decline in Q2 2026. ([American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) |
| Home region: Dallas-Fort Worth, Houston, Austin and San Antonio | [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Bank | Entered Texas by buying Dallas-based Veritex (closed October 2025), then Cadence Bank (closed February 2, 2026); its CEO calls Texas a springboard. Veritex held 1.29% of Dallas-Fort Worth deposits at June 30, 2025. ([Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Dallas-Fort Worth, Houston, Austin and San Antonio | [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Bank | Bought Comerica, a member of the 2025 compensation peer group in Texas Capital's 2026 proxy, and moved 293 Comerica banking centers in five states including Texas onto its platforms over Labor Day weekend 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html)) |
| Home region: Dallas-Fort Worth, Houston, Austin and San Antonio | [Zions Bancorporation (Amegy)](https://www.bankingnewsai.com/banks/zions) | Bank | Held 3.71% of Houston-area deposits from 57 offices at June 30, 2025, more than five times Texas Capital's 0.70% share there. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial and middle-market banking | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Bank | A member of Texas Capital's 2025 proxy peer group, chosen for comparable commercial banking and capital-markets businesses; KeyBank targets double-digit gains in commercial banker productivity and cost to serve (February 2026). ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [KeyCorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/91576/000009157626000008/ubsconferencepresentatio.htm)) |
| Commercial and middle-market banking | [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | Bank | In Texas Capital's proxy peer group, as was Synovus, which merged into Pinnacle on January 1, 2026; Pinnacle reported 50 Coalition Greenwich Best Bank awards in February 2026, and Texas Capital won one for middle-market banking in the West in March 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/03/03/texas-capital-earns-best-bank-award-middle-market-banking-us-west)) |
| Commercial and middle-market banking | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Bank | In Texas Capital's proxy peer group; it built technology and hired to launch corporate and institutional banking lines, which held over $7 billion of loans at June 30, 2026, and held 0.39% of Dallas-Fort Worth deposits in June 2025. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [Bank OZK](https://ir.ozk.com/static-files/4e55b057-bd91-45cc-9cee-2b0f7d1467dd), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bank-ozk-tops-q2-2026-estimates-on-margin-gains-93CH-4806146), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial and middle-market banking | [Hilltop Holdings (PlainsCapital Bank)](https://www.bankingnewsai.com/banks/hilltop) | Bank | A member of Texas Capital's proxy peer group whose PlainsCapital Bank held 0.72% of Dallas-Fort Worth deposits and 2.30% of Austin deposits at June 30, 2025. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Austin-Round%20Rock-San%20Marcos,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Investment banking, capital markets and trading | [Stifel Financial](https://www.bankingnewsai.com/banks/stifel-bank) | Broker or asset manager | Added to Texas Capital's 2025 proxy peer group as an investment banking firm that represents the market in which it competes for clients; Stifel reported $1.45 billion of net revenues in Q2 2026 and an institutional pre-tax margin of 19.5% in the first half. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [Stifel Financial](https://stifel.com/investor-relations/DownloadEarningsReleaseFile?fiscalYear=2026&id=263), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/stifel-financial-corp-q2-2026-123000700.html)) |
| Investment banking, capital markets and trading | Evercore | Broker or asset manager | Named in Texas Capital's 2025 compensation peer group as an investment banking firm with which it competes for clients and for investment banking and capital markets leadership. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm)) |
| Investment banking, capital markets and trading | Piper Sandler | Broker or asset manager | Named in the same proxy peer group; Texas Capital's investment banking and advisory fees doubled to $32 million in Q1 2026 as it added equity sales, trading and capital markets in 2025. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend), [Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026)) |
| Investment banking, capital markets and trading | Lazard | Broker or asset manager | Named in Texas Capital's 2025 compensation peer group; Texas Capital now offers a full range of merger and acquisition services alongside capital markets and private credit. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026)) |
| Mortgage finance and warehouse lending | [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | Bank | Its Specialized Mortgage Services group provides warehouse lending, MSR financing and note financing to independent mortgage bankers, the clients Texas Capital serves through WarehouseNow, alongside AmeriHome, which it calls the nation's largest bank-owned correspondent investor; it is also in Texas Capital's proxy peer group. ([Western Alliance Bank](https://www.westernalliancebancorporation.com/expertise/specialized-mortgage-services), [Texas Capital](https://texascapitalbank.com/commercial-banking/real-estate/mortgage-finance/warehouse-lending), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm)) |
| Treasury, payments and business cards | [Mercury](https://www.bankingnewsai.com/fintech/mercury) | Fintech | A financial technology company of the kind Texas Capital's 10-K lists: it serves more than 300,000 business customers and received OCC conditional approval for Mercury Bank, N.A. in April 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [Mercury via Business Wire](https://www.businesswire.com/news/home/20260520511817/en), [Mercury via Business Wire](https://www.businesswire.com/news/home/20260427949683/en/Mercury-Receives-OCC-Conditional-Approval-to-Establish-Mercury-Bank-N.A)) |
| Treasury, payments and business cards | [Ramp](https://www.bankingnewsai.com/fintech/ramp) | Fintech | Corporate cards and spend management for 85,000 customers (October 2026); KeyBank launched virtual cards in April 2026 to fend off such spend-management fintechs, and Texas Capital rebuilt its merchant and card systems. ([TechCrunch](https://techcrunch.com/2026/10/15/ramp-reaches-60b-valuation-as-it-pushes-deeper-into-ai), [American Banker](https://americanbanker.com/payments/news/keybank-to-stand-up-virtual-commercial-card-issuing), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/12/16/texas-capitals-rob-c-holmes-goes-one-one-jim-cramer)) |
| Treasury, payments and business cards | [Circle](https://www.bankingnewsai.com/fintech/circle) | Payments company | A stablecoin issuer of the kind Texas Capital's 10-K says may bring new competition after the GENIUS Act; USDC circulation was $73.3 billion in Q2 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results)) |
| Online deposits (Bask Bank) | [Ally Financial](https://www.bankingnewsai.com/banks/ally) | Bank | Bask Bank is Texas Capital's online deposit division, competing for depositors nationally; Ally reported 3.6 million deposit customers and 69 straight quarters of customer growth in Q2 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/07/21/ally-ally-q2-2026-earnings-call-transcript)) |

## How do the AI and digital offerings of Texas Capital's competitors compare?

Texas Capital first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Texas Capital Bancshares (this page)](https://www.bankingnewsai.com/banks/texas-capital) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [Index 49.1 (#60); 12 use cases, 8 in production](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in (Sep 16, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite for employees: 150,000 weekly users (February 2026) ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica (24.6 million+ clients helped) and CashPro Chat, used by nearly 70% of corporate clients (2025) ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Bank of America (PR Newswire)](https://www.prnewswire.com/news-releases/bofas-ai-driven-cashpro-chat-and-transaction-search-capabilities-reach-record-usage-by-corporate-clients-302593672.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [Index 49.3 (#58); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award (Aug 27, 2026) ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [Index 40 (#71); 8 use cases, 4 in production](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet (Aug 6, 2026) ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie virtual assistant, bilingual in English and Spanish (September 2026) ([Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613)) | [Index 84 (#14); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026) ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| [Zions Bancorporation (Amegy)](https://www.bankingnewsai.com/banks/zions) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) | [Index 59.6 (#48); 16 use cases, 10 in production](https://www.bankingnewsai.com/banks/zions) | Q2 2026 10-Q lists AI among emerging-technology risks (Aug 6, 2026) ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm)) |
| [KeyBank](https://www.bankingnewsai.com/banks/keybank) | AI in commercial loan approvals cut analyst research time from 60% to 25% of the process (November 2025) ([Google Cloud](https://cloud.google.com/transform/why-context-not-just-data-volume-is-key-to-successful-ai)) | [Index 80 (#21); 16 use cases, 10 in production](https://www.bankingnewsai.com/banks/keybank) | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | Credit intelligence among 13 AI initiatives; a head of AI ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson)) | [Index 65.3 (#42); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Co-developer of Fiserv's agentOS agents (May 2026) ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html)) | [Index 29.5 (#89); 8 use cases, 4 in production](https://www.bankingnewsai.com/banks/bank-ozk) | U.S. Bank hires from Bank OZK for its Sun Belt push (Aug 31, 2026) ([American Banker](https://www.americanbanker.com/news/u-s-banks-business-banking-expansion-targets-the-sun-belt)) |
| [Hilltop Holdings (PlainsCapital Bank)](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [Index 30.7 (#87); 9 use cases, 6 in production](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly (Oct 7, 2026) ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| [Stifel Financial](https://www.bankingnewsai.com/banks/stifel-bank) | Stifel's advisor-first AI stance and fund-banking-driven balance sheet ([Stifel Financial](https://stifel.com/investor-relations/DownloadEarningsReleaseFile?fiscalYear=2026&id=263), [TheStreet (Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/stifel-earnings-expose-wall-street-030700080.html), [Stifel](https://stifel.com/Newsletters/AdGraphics/InSight/Outlook/2026/Outlook2026_Artificial-Intelligence.pdf), [GuruFocus (Yahoo Finance)](https://finance.yahoo.com/news/stifel-financial-corp-sf-q2-210257050.html), [Stifel Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720672/000119312526067130/sf-20251231.htm)) | [Index 6.5 (#104); 13 use cases, 12 in production](https://www.bankingnewsai.com/banks/stifel-bank) | CEO on CNBC: look at companies benefiting from AI, not just those building it (Oct 7, 2026) ([CNBC](https://cnbc.com/video/2026/10/07/stifel-ceo-ron-kruszewski-we-should-be-looking-at-companies-benefiting-from-ai-not-just-those-building-ai.html)) |
| Evercore | Not disclosed | No profile | Not disclosed |
| Piper Sandler | Not disclosed | No profile | Not disclosed |
| Lazard | Not disclosed | No profile | Not disclosed |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | AI-enabled bidding at AmeriHome named as a gain-on-sale driver (May 2026) ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) | [Index 71.8 (#32); 17 use cases, 16 in production](https://www.bankingnewsai.com/banks/western-alliance) | AI team first used to defend against Mythos (Sep 16, 2026) ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| [Mercury](https://www.bankingnewsai.com/fintech/mercury) | Command, a natural-language assistant inside the business account (June 2026) ([Mercury](https://mercury.com/blog/introducing-mercury-command)) | [6 use cases, 5 in production](https://www.bankingnewsai.com/fintech/mercury) | Mercury Books: AI-driven accounting (Sep 16, 2026) ([Mercury via Business Wire](https://www.morningstar.com/news/business-wire/20260916850195/mercury-launches-intelligent-accounting-with-mercury-books)) |
| [Ramp](https://www.bankingnewsai.com/fintech/ramp) | Agents for expense review, bill pay and procurement ([Ramp](https://ramp.com/blog/ramp-agents-announcement), [Ramp](https://ramp.com/blog/procurement-ai-agents)) | [10 use cases, 5 in production](https://www.bankingnewsai.com/fintech/ramp) | $1.85 billion at a $60 billion valuation (Oct 15, 2026) ([TechCrunch](https://techcrunch.com/2026/10/15/ramp-reaches-60b-valuation-as-it-pushes-deeper-into-ai), [Ramp via PR Newswire](https://www.prnewswire.com/news-releases/ramp-reaches-60-billion-valuation-as-annualized-revenue-tops-2-billion-302909315.html)) |
| [Circle](https://www.bankingnewsai.com/fintech/circle) | Circle Agent Stack: USDC wallets and payments for AI agents (May 2026) ([Circle](https://www.circle.com/pressroom/circle-launches-ai-infrastructure-to-power-the-agentic-economy)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/circle) | Chainalysis counts 138 million agent payments on Base (Oct 14, 2026) ([Fortune](https://fortune.com/2026/10/14/ai-agents-shopping-spree-payments-base-blockchain-138-million-chainalysis/)) |
| [Ally Financial](https://www.bankingnewsai.com/banks/ally) | Ally.ai for staff; AI streamlined more than 6 million customer-care calls in 2025 ([Ally Financial](https://media.ally.com/image/Ally_2025AnnualReport_Final-accessible+%2B+10-K.pdf)) | [Index 76.5 (#27); 13 use cases, 9 in production](https://www.bankingnewsai.com/banks/ally) | CRO: AI should be 'an accelerant', not just something to control (Oct 1, 2026) ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-9-stephanie-richard-ally-financial)) |

## Who should look beyond Texas Capital, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Consumers who want a large branch network and an in-app AI assistant | [Bank of America, JPMorgan Chase or Wells Fargo](https://www.bankingnewsai.com/banks/bank-of-america) | Texas Capital runs few offices (5 in Dallas-Fort Worth, 2 in Houston and 1 in Austin at June 30, 2025) and discloses no customer AI assistant. Bank of America had 120 offices in Dallas-Fort Worth and its Erica assistant has helped more than 24.6 million clients; Wells Fargo's Fargo passed 1 billion interactions in March 2026. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Austin-Round%20Rock-San%20Marcos,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) |
| Texas households and small businesses that want a community branch nearby | [Frost or Prosperity](https://www.bankingnewsai.com/banks/frost) | At June 30, 2025 Frost had 65 offices in Dallas-Fort Worth, 63 in Houston and 26 in Austin, and Prosperity 62, 58 and 18, against Texas Capital's 5, 2 and 1. Frost reports a 4.9 App Store rating and 53% of consumer deposit accounts opened online (Q2 2026). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Austin-Round%20Rock-San%20Marcos,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| Startups and online-first businesses that want an app-only business account | [Mercury](https://www.bankingnewsai.com/fintech/mercury) | Texas Capital's model rests on relationship bankers in its target markets. Mercury serves more than 300,000 customers, including one in three US startups, and added Command, an AI assistant that stages financial work for approval, in June 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [Mercury via Business Wire](https://www.businesswire.com/news/home/20260520511817/en), [Mercury](https://mercury.com/blog/introducing-mercury-command)) |
| Mortgage bankers that want a warehouse lender with a bank-owned correspondent buyer | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Western Alliance pairs warehouse lending with AmeriHome, a subsidiary it calls the nation's largest bank-owned correspondent investor, which services a portfolio of about $78 billion. Texas Capital offers warehouse lending through WarehouseNow and launched MAP for loan and MSR trading in May 2026. ([Western Alliance Bank](https://www.westernalliancebancorporation.com/expertise/specialized-mortgage-services), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Texas Capital](https://texascapitalbank.com/commercial-banking/real-estate/mortgage-finance/warehouse-lending), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm)) |
| Middle-market companies that want a bank with a broad Southeast branch footprint | [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | Texas Capital's offices are in five Texas cities plus Los Angeles, with Chicago and New York planned in 2026. Pinnacle has more than 400 locations in nine states after its Synovus merger. ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion)) |

## Where does Texas Capital rank by deposits in Dallas, Houston and Austin?

FDIC Summary of Deposits market share by metropolitan area, June 30, 2025. Deposits are booked where the bank assigns them, so a single office can carry a large share.

| Market | Texas Capital | Largest banks | Texas-based rivals |
| --- | --- | --- | --- |
| Dallas-Fort Worth | 1.97% ($13.1 billion) from 5 offices | Bank of America 20.54%; JPMorgan Chase 13.94%; Wells Fargo 3.43% | Frost 1.57%; Veritex 1.29%; Prosperity 0.89%; PlainsCapital 0.72% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Houston | 0.70% ($2.4 billion) from 2 offices | JPMorgan Chase 50.61%; Wells Fargo 8.86%; Bank of America 6.96%; Zions 3.71% | Frost 2.30%; Stellar 1.63%; Prosperity 1.62% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Austin | 14.70% ($10.2 billion) from 1 office, second in the market | JPMorgan Chase 17.74%; Wells Fargo 13.92%; Bank of America 10.59% | Frost 7.26%; PlainsCapital 2.30%; Prosperity 1.81% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Austin-Round%20Rock-San%20Marcos,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |

## What AI do Texas Capital's main rivals offer clients?

One line per rival, from each one's own disclosures.

| Rival | Client-facing AI on the record | Date |
| --- | --- | --- |
| Texas Capital | None disclosed for clients; Ranger and agents are internal | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| Bank of America | CashPro Chat used by nearly 70% of corporate clients, 43% containment in Q3 2025 | 2025 ([Bank of America (PR Newswire)](https://www.prnewswire.com/news-releases/bofas-ai-driven-cashpro-chat-and-transaction-search-capabilities-reach-record-usage-by-corporate-clients-302593672.html)) |
| Fifth Third | Jeanie assistant in English and Spanish after the Comerica conversion | September 2026 ([Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613)) |
| Mercury | Command, a natural-language assistant that stages payments for approval | June 2026 ([Mercury](https://mercury.com/blog/introducing-mercury-command)) |
| Ramp | Agents for expense review, bill pay and procurement | 2025 to 2026 ([Ramp](https://ramp.com/blog/ramp-agents-announcement), [Ramp](https://ramp.com/blog/procurement-ai-agents)) |

## Common questions

### Who are Texas Capital's biggest competitors?

In its Texas markets, the national banks its 10-K describes as controlled from out of state: Bank of America (20.54% of Dallas-Fort Worth deposits), JPMorgan Chase (50.61% in Houston) and Wells Fargo. Among Texas-based banks, Frost and Prosperity. In investment banking, the 2026 proxy names Evercore, Lazard, Piper Sandler and Stifel as firms representing the market it competes in for clients. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm))

### Is Frost a competitor of Texas Capital?

Yes. Frost is in Texas Capital's 2026 proxy peer group and competes in every Texas Capital market: 7.26% of Austin deposits, 2.30% in Houston and 1.57% in Dallas-Fort Worth at June 30, 2025, from 154 offices in those three markets against Texas Capital's 8. Frost builds branches (about 15 planned for 2026); Texas Capital relies on a small office network and treasury technology. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Austin-Round%20Rock-San%20Marcos,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/))

### Who competes with Texas Capital in investment banking?

Texas Capital's 2026 proxy added Evercore, Lazard, Piper Sandler and Stifel to its compensation peer group, saying these firms deliver a mix of commercial banking, capital markets, advisory and wealth solutions and represent the market in which it competes for clients. Its investment-banking and advisory fees doubled to $32 million in Q1 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend))

### Is Mercury a competitor of Texas Capital?

By category, in business accounts and payments. Texas Capital's 10-K lists financial technology companies among its competitors, and Mercury serves more than 300,000 business customers and holds OCC conditional approval for a national bank. Neither company names the other. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [Mercury via Business Wire](https://www.businesswire.com/news/home/20260520511817/en), [Mercury via Business Wire](https://www.businesswire.com/news/home/20260427949683/en/Mercury-Receives-OCC-Conditional-Approval-to-Establish-Mercury-Bank-N.A))

### Who competes with Texas Capital in mortgage warehouse lending?

Western Alliance's Specialized Mortgage Services group provides warehouse lending, MSR financing and note financing to independent mortgage bankers, with synergies with AmeriHome, its correspondent-investor subsidiary. Texas Capital offers warehouse facilities through its WarehouseNow online platform and launched the MAP mortgage-asset trading platform in May 2026. ([Western Alliance Bank](https://www.westernalliancebancorporation.com/expertise/specialized-mortgage-services), [Texas Capital](https://texascapitalbank.com/commercial-banking/real-estate/mortgage-finance/warehouse-lending), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm))

### Which new banks have entered Texas Capital's market?

Huntington, through Veritex (closed October 2025) and Cadence (closed February 2, 2026), and Fifth Third, which moved Comerica's banking centers in Texas and four other states onto its platforms in September 2026. Comerica and Synovus both sat in Texas Capital's 2025 proxy peer group before they were acquired. ([Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm))

### What are alternatives to Bask Bank, Texas Capital's online bank?

Bask Bank is the online division of Texas Capital Bank, offering American Airlines AAdvantage miles instead of cash interest as well as interest-bearing accounts. Ally reported 3.6 million deposit customers in Q2 2026. This page does not compare rates, which change weekly. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/07/21/ally-ally-q2-2026-earnings-call-transcript))

## Peers on this site

- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)
- [Hilltop Holdings AI strategy](https://www.bankingnewsai.com/banks/hilltop) · [vs peers](https://www.bankingnewsai.com/banks/hilltop/vs-peers)
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [KeyCorp (KeyBank) AI strategy](https://www.bankingnewsai.com/banks/keybank) · [vs peers](https://www.bankingnewsai.com/banks/keybank/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [Bank OZK AI strategy](https://www.bankingnewsai.com/banks/bank-ozk) · [vs peers](https://www.bankingnewsai.com/banks/bank-ozk/vs-peers)
- [Stifel Financial (Stifel Bank & Trust) AI strategy](https://www.bankingnewsai.com/banks/stifel-bank) · [vs peers](https://www.bankingnewsai.com/banks/stifel-bank/vs-peers)

## Sources

1. Texas Capital Bancshares Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — SEC EDGAR, Feb 10, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm
2. Summary of Deposits, deposit market share: Dallas-Fort Worth-Arlington, TX MSA (reporting period June 30, 2025) — FDIC BankFind Suite, Jun 30, 2025. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
3. Summary of Deposits, deposit market share: Houston-Pasadena-The Woodlands, TX MSA (reporting period June 30, 2025) — FDIC BankFind Suite, Jun 30, 2025. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
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41. BofA's AI-Driven CashPro Chat and Transaction Search Capabilities Reach Record Usage by Corporate Clients — Bank of America (PR Newswire), Oct 27, 2025. https://www.prnewswire.com/news-releases/bofas-ai-driven-cashpro-chat-and-transaction-search-capabilities-reach-record-usage-by-corporate-clients-302593672.html
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45. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
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76. Public Finance Leaders Embrace Innovation While Capacity Constraints Persist, 2026 HilltopSecurities Survey Finds — Business Wire (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html
77. Stifel's earnings expose Wall Street's AI blind spot — TheStreet (Yahoo Finance), Jul 24, 2026. https://finance.yahoo.com/technology/ai/articles/stifel-earnings-expose-wall-street-030700080.html
78. Artificial Intelligence: Runway for Growth (Outlook 2026) — Stifel, Feb 11, 2026. https://stifel.com/Newsletters/AdGraphics/InSight/Outlook/2026/Outlook2026_Artificial-Intelligence.pdf
79. Stifel Financial Corp (SF) Q2 2026 Earnings Call Highlights: Record Revenue and Strong ... — GuruFocus (Yahoo Finance), Jul 22, 2026. https://finance.yahoo.com/news/stifel-financial-corp-sf-q2-210257050.html
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84. Introducing Mercury Command — Mercury, Jun 16, 2026. https://mercury.com/blog/introducing-mercury-command
85. Mercury Launches Intelligent Accounting with Mercury Books (Business Wire via Morningstar) — Mercury via Business Wire, Sep 16, 2026. https://www.morningstar.com/news/business-wire/20260916850195/mercury-launches-intelligent-accounting-with-mercury-books
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87. Buy at the speed of AI — Ramp, Apr 29, 2026. https://ramp.com/blog/procurement-ai-agents
88. Ramp Reaches $60 Billion Valuation as Annualized Revenue Tops $2 Billion — Ramp via PR Newswire, Oct 15, 2026. https://www.prnewswire.com/news-releases/ramp-reaches-60-billion-valuation-as-annualized-revenue-tops-2-billion-302909315.html
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90. AI agents are on a shopping spree: Total payments on Base blockchain eclipse 138 million, Chainalysis finds — Fortune, Oct 14, 2026. https://fortune.com/2026/10/14/ai-agents-shopping-spree-payments-base-blockchain-138-million-chainalysis/
91. Ally Financial 2025 Annual Report (CEO letter and Form 10-K) — Ally Financial, Mar 17, 2026. https://media.ally.com/image/Ally_2025AnnualReport_Final-accessible+%2B+10-K.pdf
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