Third Coast Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 22.8% lower than in Q1 2026, at $5.9M. On CET1 ratio, Third Coast Bank is 15th from the bottom among 184 Texas banks, 12.10% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Third Coast Bank sits 1.39 points lower, at 12.10% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.10% |
| Tier 1 risk-based capital ratio | 12.10% |
| Total risk-based capital ratio | 12.91% |
| Tier 1 leverage ratio | 11.44% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $746.6M |
| Tier 1 capital | $746.6M |
| Total risk-based capital | $796.8M |
| Total equity capital | $806.6M |
| Risk-weighted assets | $6.17B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.99% |
| Tangible equity to tangible assets | 11.27% |
| Equity capital to average assets | 12.26% |
| Internal capital growth rate | 12.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $553.4M |
| Retained earnings | $244.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $5.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.48% | 12.48% | 13.49% | 12.62% | $3.95B |
| Q4 2023 | 12.52% | 12.52% | 13.49% | 11.91% | $4.04B |
| Q1 2024 | 12.32% | 12.32% | 13.28% | 11.81% | $4.20B |
| Q2 2024 | 12.52% | 12.52% | 13.49% | 11.71% | $4.16B |
| Q3 2024 | 12.45% | 12.45% | 13.42% | 11.95% | $4.26B |
| Q4 2024 | 12.35% | 12.35% | 13.29% | 11.37% | $4.41B |
| Q1 2025 | 12.69% | 12.69% | 13.63% | 11.93% | $4.42B |
| Q2 2025 | 12.56% | 12.56% | 13.46% | 11.89% | $4.58B |
| Q3 2025 | 12.59% | 12.59% | 13.53% | 11.75% | $4.72B |
| Q4 2025 | 12.23% | 12.23% | 13.14% | 11.84% | $5.03B |
| Q1 2026 | 12.23% | 12.23% | 13.02% | 11.84% | $5.89B |
| Q2 2026 | 12.10% | 12.10% | 12.91% | 11.44% | $6.17B |
Third Coast Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Third Coast Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Third Coast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58716) · FFIEC NIC profile (RSSD 3630323)