BlastPoint's Banking Scorecard
Third Coast Bank
Humble, TX
23 branches across TX
Third Coast Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 19.3% in tier
- - ROA 0.14% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.6B
+34.4% YoY
+23.2% QoQ
|
+$3.8B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 8.7% in tier |
| Total Loans ? |
$5.2B
+31.7% YoY
+19.5% QoQ
|
+$3.2B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 6.0% in tier |
| Total Deposits ? |
$5.7B
+34.6% YoY
+23.5% QoQ
|
+$3.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 7.4% in tier |
| Return on Assets ? |
1.22%
-2.0% YoY
-16.0% QoQ
|
-0.14% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
3.92%
+3.3% YoY
-6.9% QoQ
|
+0.10% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
62.81%
+9.3% YoY
+16.7% QoQ
|
+1.75% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
0.68%
+45.6% YoY
+38.7% QoQ
|
-0.20% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
90.93%
-2.1% YoY
-3.2% QoQ
|
+6.72% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
10.16%
-3.8% YoY
-5.5% QoQ
|
-11.13% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.0% in tier |
| Nonperforming Asset Ratio ? |
0.67%
+19.9% YoY
+19.5% QoQ
|
+0.00% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
12.23%
-3.6% YoY
-0.0% QoQ
|
-2.93% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.06%
-0.7% YoY
-76.9% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
15% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.