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Third Coast Bank
Humble, TX · FDIC Certificate #58716 · Chartered 02/2
Total assets
$6.73B
Total deposits
$5.86B
Total equity
$806.64M
Net loans
$5.38B
Branches (offices)
21
Net income (YTD)
$42.53M
Rank: #229 of 4,213 U.S. banks by assets · #16 of 346 in Texas. Assets changed 36.2% and deposits 36.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 11.42% |
| Net interest margin (YTD) | 3.99% |
| Equity to assets | 11.99% |
| Tier 1 leverage ratio | 11.44% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 91.9% |
| Real estate loans (share of loans) | 55.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.97B | 55.1% | |
| Commercial & industrial | $2.37B | 44.0% | |
| Consumer / individual | $1.87M | 0.0% | |
| Construction & development | $887.80M | 16.5% | |
| Agricultural | $2.23M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.36B | $2.90B | $5.58M | $405.96M |
| Jun 2023 | $3.96B | $3.41B | $21.62M | $502.89M |
| Jun 2024 | $4.46B | $3.86B | $24.82M | $543.99M |
| Jun 2025 | $4.94B | $4.28B | $33.90M | $603.84M |
| Jun 2026 | $6.73B | $5.86B | $42.53M | $806.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $5.86B | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.86B.
Similar-sized banks
City National Bank Of West Virginia ($6.76B) · Heartland Bank And Trust Company ($6.72B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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