Third Coast Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 8.14 percentage points in Q2 2026, from 320.23% to 312.09%. It was the largest change from Q1 2026 among the key lines here. Third Coast Bank ranks 36th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 92.82% (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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.44B |
| Net loans and leases | $5.38B |
| Loans held for sale | $0 |
| Loans to total assets | 80.80% |
| Loan-to-deposit ratio | 92.82% |
| Net loans to equity capital | 6.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.89% |
| Multifamily (5+ residential) | 1.09% |
| Commercial and industrial | 43.59% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 312.09% |
| Construction concentration (Tier 1 capital + allowance) | 110.95% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.07% |
| Interest income on loans | $94.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.56B | $3.65B | 30.47% | 36.19% | 0.07% |
| Q4 2023 | $3.64B | $3.81B | 30.43% | 34.71% | 0.07% |
| Q1 2024 | $3.75B | $4.05B | 29.59% | 36.04% | 0.06% |
| Q2 2024 | $3.76B | $3.86B | 29.59% | 36.23% | 0.06% |
| Q3 2024 | $3.89B | $4.00B | 27.81% | 38.54% | 0.05% |
| Q4 2024 | $3.97B | $4.31B | 27.74% | 37.75% | 0.05% |
| Q1 2025 | $3.99B | $4.25B | 26.43% | 40.25% | 0.04% |
| Q2 2025 | $4.08B | $4.28B | 26.74% | 42.27% | 0.03% |
| Q3 2025 | $4.17B | $4.37B | 26.34% | 42.55% | 0.03% |
| Q4 2025 | $4.39B | $4.63B | 26.06% | 43.38% | 0.04% |
| Q1 2026 | $5.25B | $5.72B | 28.59% | 41.57% | 0.04% |
| Q2 2026 | $5.44B | $5.86B | 27.89% | 43.59% | 0.03% |
Third Coast Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Third Coast Bank, freeSource: Call Report Schedule RC-C, 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)