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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

7.25%Q2 ’247.31%Q2 ’256.44%Q2 ’26+16%-10%

Non-interest income vs. expense

2.26%Q2 ’242.37%Q2 ’252.26%Q2 ’26+5%-14%

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 1.46%, down 5 bps year over year; NIM at 3.82%.
  • 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 (quarter, annualized)

1.46%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.82%-41 bps YoY

Efficiency Ratio (quarter, annualized)

52.72%-8 bps YoY

Tier 1 Leverage Ratio

11.44%-45 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.58%1.51%1.22%1.46%-5 bps
Return on Equity12.44%12.86%12.40%10.21%12.24%-21 bps
Net Interest Margin4.23%4.16%4.16%3.65%3.82%-41 bps
Efficiency Ratio52.80%50.62%54.97%62.81%52.72%-8 bps
Non-Interest Burden2.10%1.96%2.13%2.19%1.81%-29 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 / Loans0.23%0.00%0.08%0.00%-0.01%-24 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