Bank Comparison
Hinsdale Bank & Trust Company, N.A. vs Third Coast Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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7 · 10
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Hinsdale Bank & Trust Company, N.A. | Third Coast Bank |
|---|---|---|
| CET1 Ratio | 10.60% | 12.10% |
| Tier 1 Capital Ratio | 10.60% | 12.10% |
| Total Capital Ratio | 11.34% | 12.91% |
| Tier 1 Leverage Ratio | 9.20% | 11.44% |
| Equity / Assets | 10.05% | 11.99% |
Profitability
| Metric | Hinsdale Bank & Trust Company, N.A. | Third Coast Bank |
|---|---|---|
| Return on Assets (ROA) | 1.50% | 1.48% |
| Return on Equity (ROE) | 14.96% | 12.24% |
| Net Interest Margin (NIM) | 3.22% | 3.97% |
| Yield on Earning Assets | 5.42% | 6.75% |
| Cost of Funds | 2.38% | 3.04% |
Asset quality
| Metric | Hinsdale Bank & Trust Company, N.A. | Third Coast Bank |
|---|---|---|
| Texas Ratio | 1.73% | 7.42% |
| Non-Performing Loan Ratio | 0.14% | 0.50% |
| Non-Performing Asset Ratio | 0.13% | 0.81% |
| Net Charge-Off Ratio | 0.06% | -0.01% |
| ACL / Loans | 0.66% | 0.99% |
Balance sheet
| Metric | Hinsdale Bank & Trust Company, N.A. | Third Coast Bank |
|---|---|---|
| Total Assets | $6.80B | $6.73B |
| Total Deposits | $5.57B | $5.86B |
| Total Loans | $5.02B | $5.44B |
| Total Equity | $683.7M | $806.6M |
| Net Income (quarter) | $25.1M | $24.3M |
Liquidity & funding
| Metric | Hinsdale Bank & Trust Company, N.A. | Third Coast Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.00% | 92.82% |
| Core Deposit Ratio | 79.63% | 77.81% |
| Uninsured Deposit Ratio | 36.65% | 30.98% |
Identity
| Metric | Hinsdale Bank & Trust Company, N.A. | Third Coast Bank |
|---|---|---|
| Headquarters City | Hinsdale | Humble |
| Headquarters State | IL | TX |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | OCC | FED |
| Domestic Branches | 17 | 23 |
| Employees (FTE) | 229 | 504 |
| Established | October 28, 1993 | February 25, 2008 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Hinsdale Bank & Trust Company, N.A. profile | View full Third Coast Bank profile | Browse all bank comparisons