Third Coast Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Third Coast Bank of Humble, TX against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.48% | 1.34% | +0.14% | 64th above |
| ROAE | 12.24% | 12.34% | -0.10% | 47th below |
| Net Interest Margin | 3.97% | 3.83% | +0.14% | 66th above |
| Efficiency Ratio | 52.67% | 58.97% | -6.30% | 67th above |
| PPNR / Avg Assets | 1.98% | — | — | 66th above |
| Yield on Earning Assets | 6.75% | 5.71% | +1.04% | 93rd top |
| Cost of Funds | 3.04% | 2.02% | +1.02% | 7th bottom |
| Net Interest Spread | 3.38% | — | — | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.50% | 0.87% | -0.37% | 52nd above |
| NPA / Total Assets | 0.81% | — | — | 27th below |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 92nd top |
| ACL / Total Loans | 0.99% | — | — | 28th below |
| ACL / NPLs (Coverage) | 197.67% | — | — | 48th below |
| Texas Ratio | 6.75% | 5.48% | +1.27% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.10% | 14.99% | -2.89% | 27th below |
| Tier 1 Ratio | 12.10% | 15.02% | -2.92% | 26th below |
| Total Capital Ratio | 12.91% | — | — | 20th bottom |
| Leverage Ratio | 11.44% | 11.11% | +0.33% | 68th above |
| Equity / Assets | 11.99% | 11.02% | +0.97% | 75th top |
| TCE / Tangible Assets | 11.27% | — | — | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.82% | 86.99% | +5.83% | 35th below |
| Core Deposit Ratio | 77.81% | 85.57% | -7.76% | 17th bottom |
| Uninsured Deposit Ratio | 30.98% | 33.19% | -2.21% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 36.18% | — | — | 96th top |
| Loan Growth (Y/Y) | 33.25% | — | — | 95th top |
| Deposit Growth (Y/Y) | 36.77% | — | — | 95th top |
See Third Coast Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Third Coast Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Third Coast Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Third Coast Bank peer analysis.