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
Unfavorable gap of $127.0M · efficiency ratio beats 57% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.91% | 1.22% | 1.52% | Beats 54% | 150 / 328 | | |
| Return on Equity | 10.55% | 8.43% | 11.45% | 14.43% | Beats 41% | 193 / 328 | | |
| Net Interest Margin | 3.61% | 3.03% | 3.45% | 3.83% | Beats 62% | 125 / 328 | | |
| Efficiency Ratio | 57.94% | 51.61% | 59.56% | 67.53% | Beats 57% | 142 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.24% | 0.51% | 1.03% | Beats 51% | 158 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 79% | 68 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.10% | 11.75% | 13.15% | 15.47% | Beats 33% | 221 / 328 | | |
| Total Risk-Based Capital Ratio | 12.91% | 12.63% | 14.15% | 16.46% | Beats 30% | 231 / 328 | | |
| Equity / Assets | 11.99% | 9.15% | 10.33% | 12.01% | Beats 75% | 83 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.82% | 76.63% | 87.92% | 95.36% | 68th pctl | 102 / 323 | | |
| Loans / Assets | 80.80% | 65.18% | 74.15% | 79.98% | 78th pctl | 73 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |