| Metric | Third Coast Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +36.2% | +5.5% | +30.7 pts |
| Deposit growth (YoY) | +36.8% | +5.1% | +31.7 pts |
| Loan growth (YoY) | +33.3% | +5.9% | +27.3 pts |
| ROA | 1.37% | 1.26% | +0.1 pts |
| ROE | 11.4% | 12.2% | -0.8 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.73B | $5.86B | $5.38B | $806.6M | $42.5M | 1.37% | 3.99% | 0.81% |
| Q1 2026 | $6.58B | $5.72B | $5.20B | $783.4M | $18.2M | 1.22% | 3.92% | 0.67% |
| Q4 2025 | $5.34B | $4.63B | $4.35B | $644.5M | $73.3M | 1.46% | 4.21% | 0.56% |
| Q3 2025 | $5.06B | $4.37B | $4.12B | $624.3M | $53.6M | 1.44% | 4.18% | 0.60% |
| Q2 2025 | $4.94B | $4.28B | $4.04B | $603.8M | $33.9M | 1.38% | 4.07% | 0.58% |
| Q1 2025 | $4.89B | $4.25B | $3.95B | $589.7M | $15.3M | 1.25% | 3.79% | 0.56% |
| Q4 2024 | $4.94B | $4.31B | $3.93B | $568.2M | $54.8M | 1.19% | 3.82% | 0.58% |
| Q3 2024 | $4.62B | $4.00B | $3.85B | $557.5M | $39.3M | 1.16% | 3.79% | 0.53% |
Loan mix (Q2 2026): real estate $2.97B · commercial $2.37B · consumer $1.9M · securities $597.2M
| Ratio | Third Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.26% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.2% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 59.0% | 43rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Third Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Third Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Third Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Third Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Third Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
18 branches in 13 counties across 1 state (+0 vs 2024) · $4.28B branch deposits. Biggest market: Harris, TX, ranked 7th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 3 | $3.39B | 1.15% | 7th |
| Jefferson, TX | 2 | $150.4M | 2.53% | 16th |
| Wilson, TX | 1 | $145.3M | 15.04% | 3rd |
| 10 more counties with Pro → | ||||
Texas: 35th with 0.27% · Houston-Pasadena-The Woodlands metro: 11th, 0.99% · Dallas-Fort Worth-Arlington metro: 126th, 0.03% ·
Branch count: 2022 14 · 2023 16 · 2024 18 · 2025 18