Third Coast Bank
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Data as of · sourced from FFIEC call reports. How we update
Third Coast Bank is an FDIC-insured commercial bank headquartered in Humble, TX, established in 2008 (FDIC certificate 58716), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $6.73B, up 36.2% from Q2 2025, the 16th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.10% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58716
- Headquarters
- Humble, TX
- Established
- 2008
- Total assets, Q2 2026
- $6.73B
- Assets vs Q2 2025
- +36.2%
- CET1 ratio, Q2 2026
- 12.10%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 113094149
- Holding company
- THIRD COAST BANCSHARES, INC.
- Asset rank in state
- 16th of 346 in Texas
Third Coast Bank pays more for its money than most banks of its size. It reported $6.7 billion in assets at June 30, 2026, up 36.2% from a year earlier. It pays an average of 3.04% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also grew its loan book 33.3% over the year, 5.6 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $24 million, 31% above the same quarter a year earlier. Its $932 million non-owner-occupied commercial real estate book is improving, with 1.05% past due or on nonaccrual, down from 2.00% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Third Coast Bank reported a CET1 capital ratio of 12.10%, a return on assets of 1.48%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 6.75%. The figures come from its call report filed with the FFIEC.
Third Coast Bank ranks as the 16th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.3% to $6.73B, loans rose 3.5% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 43.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.1%. Its 21 offices in the FDIC Summary of Deposits are in 19 cities in TX; its Humble office books 54% of its branch deposits. Judged on its Q2 2026 call report, Third Coast Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 20202 Highway 59 N, Humble, TX 77338
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 25, 2008
- Former names
- Third Coast Bank, SSB (2013-2024)
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 504
- Domestic deposits
- $5.86B
- Allowance for credit losses
- $53.6M
- Net charge-offs (YTD)
- -$155K
- Average total assets
- $6.58B
- Average total loans
- $5.34B
- Average interest-bearing deposits
- $5.11B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 25, 2008
- FDIC Cert
- 58716
- Fed RSSD
- 3630323
- SEC CIK
- 1781730 → filed by THIRD COAST BANCSHARES, INC.
- Website
- www.thirdcoast.bank →
- Parent Holding Company
- THIRD COAST BANCSHARES, INC. (RSSD 4475473) · TCBX
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Richard J Mcwhorter | CFO | Chief Financial Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Third Coast Bank's total assets ranged from $4.21B (Q3 2023) to $6.73B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.73B total assets against $4.94B; $5.92B total liabilities against $4.34B.
$5.38B net loans and leases against $4.04B; $5.86B total deposits against $4.28B.
$597.2M securities against $561.8M; $411.2M cash and balances due against $119.2M.
$106.0M total interest income against $88.6M; $43.6M total interest expense against $37.6M.
$62.4M net interest income against $51.1M.
$7.5M total noninterest income against $3.3M; $37.2M total noninterest expense against $28.7M.
$2.1M provision for credit losses against $2.1M.
$24.3M net income against $18.6M.
1.48% return on assets against 1.53%; 3.97% net interest margin against 4.35%.
12.10% CET1 capital ratio against 12.56%; 11.44% tier 1 leverage ratio against 11.89%.
Inside the full Third Coast Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Third Coast Bank rankings
Its closest position to the top of a national ranking is 223 of 4,196, for total assets; its furthest is 1,669 of 2,134, for CET1 ratio.
Banks merged into Third Coast Bank
- Keystone Bank, SSB, effective February 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.19% (Q1 2026) to 1.55% (Q3 2025) and its net interest margin ran from 3.85% (Q1 2026) to 4.35% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.10% | 1.48% | 0.50% | 6.75% | 3.97% |
| Q1 2026 | 12.23% | 1.19% | 0.68% | 5.64% | 3.85% |
| Q4 2025 | 12.23% | 1.51% | 0.49% | 4.46% | 4.29% |
| Q3 2025 | 12.59% | 1.55% | 0.52% | 4.65% | 4.32% |
| Q2 2025 | 12.56% | 1.53% | 0.49% | 4.59% | 4.35% |
| Q1 2025 | 12.69% | 1.30% | 0.47% | 4.47% | 3.91% |
| Q4 2024 | 12.35% | 1.29% | 0.70% | 4.89% | 3.86% |
| Q3 2024 | 12.45% | 1.30% | 0.62% | 4.21% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Third Coast Bank (main office) | Humble , TX | 77338 | $3.19B |
| Galleria Branch | Houston , TX | 77027 | $663.5M |
| Keystone Bank Branch | Austin , TX | 78738 | $558.3M |
| Dallas Branch | Dallas , TX | 75225 | $401.0M |
| La Vernia Branch | La Vernia , TX | 78121 | $143.1M |
| Kingwood Branch | Kingwood , TX | 77339 | $93.9M |
| Fort Worth Branch | Fort Worth , TX | 76102 | $89.8M |
| Ballinger Branch | Ballinger , TX | 76821 | $89.0M |
| Austin Downtown Branch | Austin , TX | 78703 | $86.0M |
| Pearland Branch | Pearland , TX | 77581 | $84.7M |
| Beaumont Branch | Beaumont , TX | 77713 | $81.3M |
| San Antonio Branch | San Antonio , TX | 78205 | $66.7M |
| Mid County Branch | Port Arthur , TX | 77642 | $62.9M |
| Woodlands Branch | The Woodlands , TX | 77381 | $52.7M |
| Plano Branch | Plano , TX | 75024 | $47.5M |
| Austin Branch | Austin , TX | 78703 | $43.3M |
| Nixon State Bank Branch | Nixon , TX | 78140 | $36.6M |
| Lake Jackson Branch | Lake Jackson , TX | 77566 | $31.4M |
| Detroit Branch | Detroit , TX | 75436 | $15.8M |
| Conroe Branch | Conroe , TX | 77304 | $11.6M |
| Georgetown Branch | Georgetown , TX | 78626 | $8.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2026 | M&A | Acquired Keystone Bank, SSB merger for the acquired bank | SEC |
| February 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2026 | Structure Change | Acquired Keystone Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2020 | M&A | Acquired Heritage Bank merger for the acquired bank | SEC |
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Structure Change | Acquired Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in TX, rank 30 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 100 applications, 88 loans originated, $60.5M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 20 loans, $14.9M approved, $746K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Third Coast Bank
What are Third Coast Bank's total assets?
As of the Q2 2026 filing, Third Coast Bank reported total assets of $6.73 billion in its FFIEC call report.
Where is Third Coast Bank headquartered?
It is headquartered in Humble, TX, United States.
When was Third Coast Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Third Coast Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Third Coast Bank?
Third Coast Bank's primary federal regulator is the Federal Reserve.
What is Third Coast Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does Third Coast Bank operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Third Coast Bank's Texas Ratio?
Its Texas Ratio is 6.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Third Coast Bank previously called?
The charter now named Third Coast Bank has also operated as Third Coast Bank, SSB (2013-2024), per FDIC structure-change records.
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