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Third Coast Bank
Humble, TX·FDIC Cert #58716·Charter: STATE·Est. 20080225.0·HC: THIRD COAST BANCSHARES INC
Total Assets
$5.3B
Q4 2025
Return on Assets
1.46%
+0.01%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.84%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.46%+0.01
ROE
12.10%+0.11
Efficiency
53.84%+0.42
Equity/Assets
0.00%+0.00
NPL Ratio
0.49%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.98%-0.29
Charge-offs
0.09%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.4 | 1.4 | 1.5 |
| ROE | 9.2 | 9.3 | 9.7 | 10.0 | 10.6 | 11.6 | 12.0 | 12.1 |
| Efficiency | 60.4 | 59.1 | 57.9 | 57.4 | 57.4 | 55.0 | 53.4 | 53.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.7 | 0.6 | 0.7 | 0.5 | 0.5 | 0.5 | 0.5 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 91.5 | 96.4 | 96.4 | 91.0 | 92.9 | 94.3 | 94.3 | 94.0 |
Balance Sheet
Total Assets$5.3B
Total Deposits$4.6B
Total Loans$4.4B
Total Equity$644.5M
Profitability
ROA1.46%
ROE12.10%
Efficiency Ratio53.84%
Net Income$73.3M
Risk & Asset Quality
NPL Ratio0.49%
Charge-off Rate0.09%
Loan/Deposit93.98%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans