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Third Coast Bank

$1B-$10B Specialty: Commercial TX FDIC cert 58716

Humble, TX

23 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +36.8% year over year ($5.9B on the books).
  • Delinquency rate 0.50%.
  • Return on assets 1.37%.
  • Efficiency ratio 57.37% vs a 59.73% peer average.
  • Loan-to-deposit ratio 91.91% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Third Coast Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.12% above tier average
  • + Efficiency Ratio 2.36% below tier average
  • + Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.3% in tier
Get updates when Third Coast Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $6.7B
+36.2% YoY +2.3% QoQ
+$3.9B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 7.6% in tier
Total Loans ? $5.4B
+33.2% YoY +3.5% QoQ
+$3.4B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 4.9% in tier
Total Deposits ? $5.9B
+36.8% YoY +2.4% QoQ
+$3.5B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 6.1% in tier
Return on Assets ? 1.37%
-0.6% YoY +11.9% QoQ
-0.02% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 3.99%
-1.8% YoY +1.9% QoQ
+0.12% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 57.37%
+4.4% YoY -8.7% QoQ
-2.36% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
57%
Delinquency Rate ? 0.50%
+1.2% YoY -26.5% QoQ
-0.36% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 91.91%
-2.6% YoY +1.1% QoQ
+6.87% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 11.00%
+6.5% YoY +8.3% QoQ
-10.27% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Bottom 12.8% in tier
Nonperforming Asset Ratio ? 0.81%
+39.3% YoY +20.9% QoQ
+0.13% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 12.10%
-3.6% YoY -1.1% QoQ
-2.74% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
35%
Non-Interest Income / Assets ? 0.17%
+34.1% YoY +175.0% QoQ
-0.36% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
25%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 11.0%
+0.7pp YoY
+0.8pp QoQ
 -10.4pp 21.4% 29.2% 22.2% 12%
Brokered Deposits 12.4%
-3.1pp YoY
-0.2pp QoQ
 +3.0pp 9.5% 8.0% 8.5% 76%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 44.0%
+1.3pp YoY
+2.0pp QoQ
 +30.0pp 14.0% 14.8% 12.5% 97%
CRE 45.8%
-1.4pp YoY
-1.5pp QoQ
 -4.3pp 50.0% 48.4% 41.4% 38%
1-4 Family 8.8%
+1.5pp YoY
-0.5pp QoQ
 -17.7pp 26.4% 25.8% 31.3% 13%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 4.7% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 12.1%
-0.5pp YoY
-0.1pp QoQ
 -3.5pp 15.6% 22.7% 19.7% 26%
Leverage Ratio 11.4%
-0.5pp YoY
-0.4pp QoQ
 +0.1pp 11.3% 12.6% 12.6% 68%
Total Capital Ratio 12.9%
-0.5pp YoY
-0.1pp QoQ
 -3.8pp 16.7% 23.8% 20.8% 20%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 504
+116 (+29.9%) YoY
-10 (-1.9%) QoQ
 +190 313 186 482 84%
Assets per Employee ($) $13.4M
+4.8% YoY
+4.4% QoQ
 +$2.9M $10.5M $10.1M $8.8M 84%
Branch Count 23
+4 (+21.1%) YoY
0 QoQ
 +3 20 12 18 72%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 77%
Nonaccrual 0.4%
+0.1pp YoY
-0.2pp QoQ
 -0.4pp 0.8% 1.0% 1.0% 40%
Allowance Coverage 1.98x
-0.7% YoY
+36.8% QoQ
 -16.73x 18.71x 18.82x 20.23x 48%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 11.4%
-0.1pp YoY
+1.2pp QoQ
 -1.2pp 12.6% 13.2% 11.6% 44%
Cost of Funds (YTD) 2.9%
-0.2pp YoY
-0.1pp QoQ
 +1.0pp 1.9% 1.6% 1.7% 94%
Net Income ($, YTD) $42.5M
+25.5% YoY
— QoQ
 +$23.3M $19.2M $15.9M $40.4M 90%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#91 of 492 • Bottom 18.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.50%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

44
Total Loans
size
Value: $5.38B
Peer Median: $1.96B
#44 of 885 Top 4.9% in $1B-$10B
55
Total Deposits
size
Value: $5.86B
Peer Median: $2.32B
#55 of 885 Top 6.1% in $1B-$10B
68
Total Assets
size
Value: $6.73B
Peer Median: $2.79B
#68 of 885 Top 7.6% in $1B-$10B

Top Weaknesses (2 metrics)

773
Non-Interest-Bearing Deposit Share
funding
Value: 11.00%
Peer Median: 21.27%
#773 of 885 Bottom 12.8% in $1B-$10B
666
Non-Interest Income / Assets
revenue_mix
Value: 0.17%
Peer Median: 0.53%
#666 of 885 Bottom 24.9% in $1B-$10B
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