Third Coast Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.02 percentage points higher than in Q1 2026, at 103.56%. Within Texas, Third Coast Bank is 36th of 346 on loan-to-deposit ratio, 92.82% as of Q2 2026. Third Coast Bank reported 92.82% on loan-to-deposit ratio for Q2 2026, 4.62 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $411.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.01B |
| Fed funds sold and reverse repos | $6.7M |
| Fed funds sold and reverse repos to assets | 0.10% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.82% |
| Net loans and leases to deposits | 91.91% |
| Loans and leases to core deposits | 103.56% |
| Core deposits to total deposits | 77.81% |
| Brokered deposits to total deposits | 12.44% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 97.58% | 74.47% | $0 | $0 |
| Q4 2023 | 95.63% | 78.74% | $0 | $0 |
| Q1 2024 | 92.42% | 79.53% | $0 | $0 |
| Q2 2024 | 97.40% | 75.29% | $0 | $0 |
| Q3 2024 | 97.36% | 73.02% | $0 | $0 |
| Q4 2024 | 91.97% | 77.45% | $0 | $0 |
| Q1 2025 | 93.86% | 75.84% | $0 | $0 |
| Q2 2025 | 95.27% | 71.67% | $0 | $0 |
| Q3 2025 | 95.24% | 72.96% | $0 | $0 |
| Q4 2025 | 94.93% | 74.86% | $0 | $0 |
| Q1 2026 | 91.83% | 78.40% | $0 | $0 |
| Q2 2026 | 92.82% | 77.81% | $0 | $0 |
Third Coast Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Third Coast Bank, freeSource: Call Report Schedules RC and RC-M, 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)