Third Coast Bank
Humble, Texas, Harris County
$6.7B in total assets, the 236th largest of 4,309 US banks and 17th of 352 headquartered in Texas.
- FDIC certificate
- 58716
- Established
- 2008
- Owned by
- Third Coast Bancshares Inc
- Primary regulator
- FED
- Website
- www.thirdcoast.bank
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.7B | 96% | $2.2B | |
| Loans | $5.4B | 97% | $1.3B | |
| Deposits | $5.9B | 96% | $1.7B | |
| Return on assets | 1.43% | 42% | 1.54% | |
| Net interest margin | 3.99% | 54% | 3.95% | |
| Efficiency ratio | 57.4% | 47% | 57.5% | |
| Equity to assets | 11.99% | 69% | 10.59% | |
| Loans to deposits | 93% | 84% | 80% |
Growth
Total assets grew 27.3% a year over the last 5 years and 31.1% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2026 | Keystone Bank, SSB Austin, TX | $1.0B |
| Jan 2020 | Heritage Bank Pearland, TX | $300M |
Where they operate
21 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Harris County, TX | $3.9B | 1.3% | 9 of 87 |
| Travis County, TX | $688M | 1.3% | 12 of 56 |
| Dallas County, TX | $401M | 0.1% | 49 of 109 |
| Jefferson County, TX | $144M | 2.4% | 10 of 18 |
| Wilson County, TX | $143M | 21.1% | 2 of 6 |
| Brazoria County, TX | $116M | 1.7% | 17 of 27 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 15 branches since 2016 (6 to 21, +250.0%). 7 opened, 8 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2018 | Opened Conroe | 1 | 0 | +1 | 7 |
| 2020 | Acquired Heritage Bank | 5 | 0 | +5 | 12 |
| 2022 | Opened 4 in Texas | 4 | 0 | +4 | 16 |
| 2024 | Opened Austin and The Woodlands | 2 | 0 | +2 | 18 |
| 2026 through Q2 | Acquired Keystone Bank, SSB | 3 | 0 | +3 | 21 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 44% | 15% | |
| Commercial real estate | 28% | 39% | |
| Construction and land | 16% | 13% | |
| 1-4 family residential | 9% | 20% | |
| Multifamily | 1% | 4% | |
| Farmland | 1% | 3% | |
| Agricultural | 0% | 1% | |
| Consumer | 0% | 2% | |
| Other | 2% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 74% | 48% | |
| Time deposits | 15% | 26% | |
| Noninterest-bearing | 11% | 26% |
Brokered deposits are 12.4% of deposits (peers 4.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.50% | 0.42% |
| Net charge-offs, annualized | -0.01% | 0.04% |
| Reserves to loans | 0.99% | 1.20% |
| Leverage ratio | 11.44% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Harris County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/third-coast