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Third Coast Bank

Humble, TX · Cert 58716 · Third Coast Bancshares Inc.

State charter, Fed member · FED · 21 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

46

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

57

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Third Coast Bank

Humble, TX · Cert 58716 · Third Coast Bancshares Inc.

State charter, Fed member · FED · 21 branches

Q2 2026

$6.7BAssets
$5.4BLoans
$5.9BDeposits
$806.6MEquity
Loan mix
58%RE $3.0B42%C&I $2.2B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $5.2B11%Noninterest $0.6BQ3 2024Q2 2026

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 1.1% share · #12 of 107 inst. · $4.1B of $360.4B

1.3% Harris
1.3% Travis
0.1% Dallas
2.4% Jefferson

Executive Summary

  • Earnings: ROA of 1.37%, down 1 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.50% of loans (+1 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.44%, down 45 bps from a year ago.
  • Funding: loans stand at 92.82% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.37%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-34 bps YoY

Efficiency Ratio (YTD, annualized)

57.37%+240 bps YoY

Tier 1 Leverage Ratio

11.44%-45 bps YoY

NIM

7.15%Q2 ’246.99%Q2 ’256.18%Q2 ’26+9%-9%

Non-interest income vs. expense

2.27%Q2 ’242.31%Q2 ’252.28%Q2 ’26+1%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.19%1.25%1.38%1.44%1.46%1.22%1.37%-1 bps
Return on Equity9.69%10.02%10.60%11.55%11.99%12.10%10.21%11.42%-12 bps
Net Interest Margin3.68%3.50%3.79%3.96%3.90%3.89%3.65%3.61%-34 bps
Efficiency Ratio57.91%57.40%57.44%54.97%53.42%53.84%62.81%57.37%+240 bps
Non-Interest Burden2.02%1.90%2.06%2.05%1.96%1.96%2.19%1.93%-12 bps
Growth
Asset Growth (YoY)9.68%12.48%5.23%10.71%9.57%8.07%34.35%36.18%+2,546 bps
Loan Growth (YoY)9.27%9.00%6.46%8.56%7.08%10.80%31.68%33.25%+2,470 bps
Deposit Growth (YoY)9.51%13.34%4.82%10.98%9.46%7.35%34.60%36.77%+2,580 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.70%0.47%0.49%0.52%0.49%0.68%0.50%+1 bps
Net Charge-Offs / Loans0.09%0.09%0.04%0.14%0.09%0.08%0.00%-0.01%-14 bps
Allowance / Loans1.02%1.02%1.01%0.98%1.02%1.00%0.98%0.99%0 bps
Allowance Coverage of NPLs1.7x1.4x2.2x2.0x2.0x2.0x1.4x2.0x0.0x
Capital
Tier 1 Leverage Ratio11.95%11.37%11.93%11.89%11.75%11.84%11.84%11.44%-45 bps
Total Risk-Based Capital13.42%13.29%13.63%13.46%13.53%13.14%13.02%12.91%-55 bps
Equity / Assets12.08%11.51%12.05%12.22%12.34%12.08%11.91%11.99%-23 bps
Liquidity & Funding
Loans / Deposits97.36%91.97%93.86%95.27%95.24%94.93%91.83%92.82%-245 bps
Liquid Assets / Assets5.38%7.38%4.35%6.32%6.24%6.76%9.20%8.70%+238 bps
CRE / Total Capitaln/an/an/an/a328%325%341%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Third Coast Bank

Humble, TX · Cert 58716 · Peer group: banks $1B-$10B in assets (n=322-328) · Third Coast Bancshares Inc.

State charter, Fed member · FED · 21 branches

Q2 2026

$6.7BAssets
$5.4BLoans
$5.9BDeposits
$806.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 79% of banks $1B-$10B in assets (rank 68 of 322).
  • Widest gap: total risk-based capital ratio trails 70% of banks $1B-$10B in assets (rank 231 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.26%

Rank 150 of 328

Net Interest Margin

3.61%

Rank 125 of 328

Efficiency Ratio

57.94%

Rank 142 of 328

Equity / Assets

11.99%

Rank 83 of 328

Non-interest income vs. expense

$23.1M$150.1MINCOMEEXPENSE
Unfavorable gap of $127.0M · efficiency ratio beats 57% of banks $1B-$10B in assets
Bank 57.94%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.26%0.91%1.22%1.52%Beats 54%150 / 328
Return on Equity10.55%8.43%11.45%14.43%Beats 41%193 / 328
Net Interest Margin3.61%3.03%3.45%3.83%Beats 62%125 / 328
Efficiency Ratio57.94%51.61%59.56%67.53%Beats 57%142 / 328
Asset Quality
Nonperforming Loans / Loans0.50%0.24%0.51%1.03%Beats 51%158 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 79%68 / 322
Capital
Tier 1 Capital Ratio12.10%11.75%13.15%15.47%Beats 33%221 / 328
Total Risk-Based Capital Ratio12.91%12.63%14.15%16.46%Beats 30%231 / 328
Equity / Assets11.99%9.15%10.33%12.01%Beats 75%83 / 328
Liquidity & Funding
Loans / Deposits92.82%76.63%87.92%95.36%68th pctl102 / 323
Loans / Assets80.80%65.18%74.15%79.98%78th pctl73 / 328
Brokered Deposits / Depositsn/aNot reported for this institution