# Texas Capital Bank

**Canonical:** https://apis.io/providers/texas-capital-bank/  
**Website:** https://texascapitalbank.com/  
**APIs profiled:** 2

Texas Capital Bank, National Association is the banking subsidiary of Texas Capital Bancshares, Inc. (NASDAQ: TCBI), a Dallas-headquartered full-service financial services firm founded in 1998 with roughly $31.5 billion in assets (FYE 2025). As a nationally chartered commercial bank it serves businesses, entrepreneurs, and institutions across Texas and the United States with commercial and business banking, treasury management, mortgage/warehouse finance, and investment banking. On the open-finance dimension the bank is relationship-first rather than developer-first: it markets treasury and ERP API integrations (including its ConnectNow embedded banking for Sage and NetSuite, direct platform integrations, and SFTP/XChange file transfer) but exposes them through partner onboarding with dedicated bankers, not a public self-serve developer portal. There is no public first-party developer portal, no downloadable OpenAPI/Swagger, and no self-serve API signup. Consumer account and transaction data is made available to permissioned third parties through the Finicity (Mastercard) aggregator rather than a first-party API, which is the honest posture for most US regional banks under the voluntary, fragmented US open-banking landscape (CFPB Section 1033 and the industry FDX standard).

## Kin Score — 6.7 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 6.7).

| Facet | Score |
|---|---|
| Discoverability | 59.3 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 12.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (2)

- **Texas Capital Bank Treasury & ERP Integration APIs** — Relationship-based, partner-onboarded API and integration options for treasury and ERP connectivity — including ConnectNow embedded banking for Sage and NetSuite, direct platfor...
- **Consumer Data Access (Aggregator)** — Consumer-permissioned account and transaction data is made available to third parties through the Finicity (Mastercard) data aggregator rather than a first-party Texas Capital B...

## Security (1)

- **Texas Capital Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, United States, Commercial Banking, Treasury Management, Regional Bank, Open Finance, Data Aggregation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/texas-capital-bank/). Scores are computed from the provider's own public artifacts under a published rubric.