Humble, TX · Cert 58716 · Third Coast Bancshares Inc.
State charter, Fed member · FED · 21 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 1.1% share · #12 of 107 inst. · $4.1B of $360.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.30% | 1.25% | 1.51% | 1.58% | 1.51% | 1.22% | 1.46% | -5 bps | |
| Return on Equity | 10.55% | 11.00% | 10.60% | 12.44% | 12.86% | 12.40% | 10.21% | 12.24% | -21 bps | |
| Net Interest Margin | 3.79% | 3.76% | 3.79% | 4.23% | 4.16% | 4.16% | 3.65% | 3.82% | -41 bps | |
| Efficiency Ratio | 55.73% | 56.01% | 57.44% | 52.80% | 50.62% | 54.97% | 62.81% | 52.72% | -8 bps | |
| Non-Interest Burden | 1.97% | 1.99% | 2.06% | 2.10% | 1.96% | 2.13% | 2.19% | 1.81% | -29 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 / Loans | 0.62% | 0.70% | 0.47% | 0.49% | 0.52% | 0.49% | 0.68% | 0.50% | +1 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.09% | 0.04% | 0.23% | 0.00% | 0.08% | 0.00% | -0.01% | -24 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.01% | 0.98% | 1.02% | 1.00% | 0.98% | 0.99% | 0 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.4x | 2.2x | 2.0x | 2.0x | 2.0x | 1.4x | 2.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.95% | 11.37% | 11.93% | 11.89% | 11.75% | 11.84% | 11.84% | 11.44% | -45 bps | |
| Total Risk-Based Capital | 13.42% | 13.29% | 13.63% | 13.46% | 13.53% | 13.14% | 13.02% | 12.91% | -55 bps | |
| Equity / Assets | 12.08% | 11.51% | 12.05% | 12.22% | 12.34% | 12.08% | 11.91% | 11.99% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.36% | 91.97% | 93.86% | 95.27% | 95.24% | 94.93% | 91.83% | 92.82% | -245 bps | |
| Liquid Assets / Assets | 5.38% | 7.38% | 4.35% | 6.32% | 6.24% | 6.76% | 9.20% | 8.70% | +238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 328% | 325% | 341% | n/a | n/a | |