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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 $0.0BQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $5.2B11%Noninterest $0.6BQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.44%1.46%1.22%1.37%-1 bps
Return on Equity11.55%11.99%12.10%10.21%11.42%-12 bps
Net Interest Margin3.96%3.90%3.89%3.65%3.61%-34 bps
Efficiency Ratio54.97%53.42%53.84%62.81%57.37%+240 bps
Non-Interest Burden2.05%1.96%1.96%2.19%1.93%-12 bps
Growth
Asset Growth (YoY)10.71%9.57%8.07%34.35%36.18%+2,546 bps
Loan Growth (YoY)8.56%7.08%10.80%31.68%33.25%+2,470 bps
Deposit Growth (YoY)10.98%9.46%7.35%34.60%36.77%+2,580 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.52%0.49%0.68%0.50%+1 bps
Net Charge-Offs / Loans0.14%0.09%0.08%0.00%-0.01%-14 bps
Allowance / Loans0.98%1.02%1.00%0.98%0.99%0 bps
Allowance Coverage of NPLs2.0x2.0x2.0x1.4x2.0x0.0x
Capital
Tier 1 Leverage Ratio11.89%11.75%11.84%11.84%11.44%-45 bps
Total Risk-Based Capital13.46%13.53%13.14%13.02%12.91%-55 bps
Equity / Assets12.22%12.34%12.08%11.91%11.99%-23 bps
Liquidity & Funding
Loans / Deposits95.27%95.24%94.93%91.83%92.82%-245 bps
Liquid Assets / Assets6.32%6.24%6.76%9.20%8.70%+238 bps
CRE / Total Capitaln/a328%325%341%n/an/a