Energy Banking

Oil and Gas Producers Bank On Us

Headquartered in Midland, FirstCapital Bank of Texas sits in the heart of the Permian Basin. Amidst these proven oil reserves, our team has proven themselves to be the trusted financial partner for oil & gas producers since 1998.

Discover how our energy industry expertise, financial services, and investment banking can power your business’ success.

Fueling Growth for the Energy Industry

FirstCapital Bank of Texas has more than doubled its energy portfolio since 2020—demonstrating our commitment to lend and support the industry that powers our communities. FCB’s Energy Banking expertise benefits clients at all stages of business with financing from $50,000 to $50 million in Texas, Oklahoma, and Southeastern New Mexico.

A Dedicated Relationship Manager & Local Expertise

We understand the needs and challenges of oil and gas banking in ways other institutions can’t match. Our dedicated Relationship Managers bring extensive firsthand expertise to clients—offering sound guidance and smart advice to keep oil and gas businesses thriving.

As a locally owned, independent community bank committed to creating new opportunities in our communities, you can expect fast, local decisions made right here in West Texas.

A Full Suite of Energy Banking Services

We understand that the energy sector is a complex industry with a unique lifecycle. FirstCapital Bank of Texas’ Energy Banking serves all segments of oil and gas manufacturing, including upstream, midstream, and downstream businesses, with a broad range of financial and investment banking services.

Lending Solutions

Our Energy Lending team understands the financing needs at all stages of business in energy production. FCB is proud to offer commercial lending solutions custom-tailored to meet our energy clients’ specific needs, including:

  • Acquisition financing
  • Reserve-based lines of credit
  • Letters of credit
  • Operating bonds

Business Checking & Savings

We know no two businesses are alike. FCB offers unique business checking accounts and a range of business savings accounts, including CDs and money markets, to meet your needs today and reach your goals tomorrow.

Cash & Treasury Management

Ride the cycles of oil and gas production confidently with FCB’s cash and treasury management tools. Control your business’ cash flow and strengthen your bottom line with liquidity solutions, receivables management, and accounts payable solutions.

Trust and Wealth Management Division

You’ve worked hard to build your business. Let FirstCapital Bank’s Private Banking Group help you protect it. FCB’s specialized Wealth Management & Trust Group provides skilled management of oil, gas, and other mineral properties to meet your current and legacy family needs.