# THIRD COAST BANK
HUMBLE, TX · FDIC certificate 58716 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.73B | |
| Deposits | $5.86B | |
| Loans and leases | $5.44B | |
| Total equity | $806.6M | |
| Loans / deposits | 91.91% (p66 of band) | 87.10% |
| Liquid assets / assets | 14.99% (p23 of band) | |
| Uninsured deposits / deposits | 30.98% (p51 of band) | 30.76% |
| Brokered deposits | 10.83% | |
| Wholesale funding | 10.83% (p67 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.44% (p68 of band) | 10.50% |
| Unrealized securities loss / equity | 0.19% (p99 of band) | -7.75% |
| AOCI / equity | -0.62% (p29 of band) | |
| ROA (annualized) | 1.37% (p61 of band) | 1.26% |
| Net interest margin | 3.99% (p68 of band) | 3.70% |
| Efficiency ratio | 57.37% (p44 of band) | |
| Noncurrent loans | 0.50% (p49 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p8 of band) | |
| Reserve coverage of noncurrent | 197.67% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 110.06% (p92 of band) | |
| Auto loans | $1.1M (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $51.3M (6% of equity) (p85 of band) | |
| Deposits YoY | 36.8% | |
| Employees | 504 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | losing money, charge-offs p90 | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent | losing money, charge-offs p90 |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | uninsured deposits >50% |  |
| 2013-06 | 3 | run vulnerability, charge-offs p90 | capital falling |
| 2013-09 | 1 |  | run vulnerability, charge-offs p90 |
| 2013-12 | 3 | capital falling, run vulnerability |  |
| 2014-03 | 2 |  | run vulnerability |
| 2014-06 | 1 |  | uninsured deposits >50% |
| 2014-09 | 3 | uninsured deposits >50%, construction >100% equity |  |
| 2014-12 | 4 | run vulnerability |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 1 |  | construction >100% equity, run vulnerability |
| 2015-09 | 3 | capital falling, run vulnerability |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 3 | construction >100% equity |  |
| 2016-06 | 2 |  | construction >100% equity |
| 2016-09 | 3 | construction >100% equity |  |
| 2016-12 | 2 |  | construction >100% equity |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | liquid assets <10%, reserve under noncurrent | capital falling |
| 2017-12 | 4 | loans exceed deposits | reserve under noncurrent |
| 2018-03 | 5 | construction >100% equity |  |
| 2018-06 | 4 | capital falling | liquid assets <10%, construction >100% equity |
| 2018-09 | 2 |  | loans exceed deposits, capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | loans exceed deposits |  |
| 2019-09 | 3 | capital falling | loans exceed deposits |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | reserve under noncurrent | capital falling |
| 2020-06 | 2 | brokered >10%, uninsured deposits leaving | uninsured deposits >50%, run vulnerability, reserve under noncurrent |
| 2020-09 | 4 | loans exceed deposits, liquid assets <10%, reserve under noncurrent | uninsured deposits leaving |
| 2020-12 | 2 | wholesale funding >15% | loans exceed deposits, liquid assets <10%, reserve under noncurrent |
| 2021-03 | 4 | uninsured deposits >50%, capital falling, run vulnerability | wholesale funding >15% |
| 2021-06 | 5 | leverage <7% |  |
| 2021-09 | 3 |  | capital falling, leverage <7% |
| 2021-12 | 4 | charge-offs p90, construction >100% equity | brokered >10% |
| 2022-03 | 2 | uninsured deposits leaving | uninsured deposits >50%, run vulnerability, charge-offs p90 |
| 2022-06 | 1 |  | uninsured deposits leaving |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 2 | brokered >10% |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | wholesale funding >15% |  |
| 2024-09 | 2 |  | capital falling, wholesale funding >15% |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [NYSE Texas Office Opening: Third Coast Bank Officer Audrey Spaulding on Strategy - Yahoo Finance](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRjBhQlZyR0hSaFE4dVBvZlN0eVA2azNJTjc5aVMtVndXRWhWYk1EOHd1alRtWU1FVzNEd0kzalFaMVdheWNFMk8zUHBER1o5NXBnYk9IV2JXa0JOekVfWHk3cy1UMGpFV1pLUmNidE5uVmV4cG96WEFUVG9QMXRtRmhrRm4?oc=5) · Yahoo Finance
- 2026-02-24 [Jackson Walker Advises Third Coast Bank in Financing the Expansion of Fiber Internet for AccessParks - Jackson Walker LLP](https://news.google.com/rss/articles/CBMickFVX3lxTE0tdDZlQWxTZzYycVpUazl5aE1nam9LQkZYR3JSR3M2b2hsX1pyMnc1VkVubkMwQVBtc21fSmJlUS1qX3FnMDJsd1FUeFlIU0ktVS05UWxzdHRPd1NLMjljWkZ6alpjazljNHZtWXZjUjBwdw?oc=5) · Jackson Walker LLP
- 2026-09-02 [ICYMI: Third Coast Bank to open new site Spring 2027 - Port Arthur News](https://news.google.com/rss/articles/CBMiigFBVV95cUxQVk53V0RQUDNVZ1NvR0RwRWdabDJzTzU3YUJyOVZfb2V2NWFtTnkzOHk0QVpIU1djRDN2MEdwYkZYSTJzZFlIZXpjRThzaXpSaWlxUFBnZ1BtbE5WNnVBQmdNcWNhRzg4SkxiN0FqWUl5LVlfSmV2OGxNUmczeVRZdnNxdHUxTUJUdGc?oc=5) · Port Arthur News
- 2025-11-14 [Third Coast Bank expands its Texas footprint with strong growth in San Antonio - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPdkFXMTR3QnV0TTBRMlY2cWZoN1dtbnhoaHZ2NjdXRkQ4aFpNdHFSeG40MG0tNnEtU1Fyc2FuYnYyRk5mbHM2QVQtU25seFhmU0J4aVVjcEhPYmRMTUlUVjRQYnItN1c1NXUxSEx6TlZWRDR3WV8yZ1Jvb1p3ZEJvLUplUi1UbTVkMkZmWkc4dGtSOW05ZFV0VEhQMWVPYS1tY3lfUFEzMA?oc=5) · The Business Journals
- 2026-07-13 [Third Coast Bancshares Sells Commercial Capital Assets to Gulf Coast Bank - citybiz](https://news.google.com/rss/articles/CBMisgFBVV95cUxOZ2ZVdGNibm5aa3hUc0NmSjZtc19nV0hPdGNyaEk4V2VqdDg1eW5NWHZLTEs0ZVh4X1M2YjN5SnhGYTBvRzlnRk5zelhZZG85ZHN3ejR4U1VMRVZqUXhiMU5zdVJnRlBuTE5TcXBtTURqZThMUzdMOVpMajFfM2R1TWhYM2NTblFHVUFlTWNITm91VDRuWWY2VlliVDhXOVk1RlVHYms4NW9WUTVkZERzRWJR?oc=5) · citybiz
- 2026-08-04 [Third Coast Bancshares Still Looks Like A Buy (NYSE:TCBX) - Seeking Alpha](https://news.google.com/rss/articles/CBMijwFBVV95cUxPQmN1M3puaG5LMks3WlVFVVJxZ0NyUEM0OG9EOE9vckxIOFE0aFV5c2pEZEdSV0poRXZDUHhycmVaSlVRQVRkQ0p5cEE3NG4yV0gwZTFSLTdtbXdwZFZwN0lsU05jZDBlVlpwbWNsbEZhMG1kWXhvakgxOVhpaVB1a29wRU1MQWo3cXNieTZqTQ?oc=5) · Seeking Alpha
- 2026-08-24 [Third Coast Bank CEO Bart Caraway on Putting People and Purpose Into Banking - Yahoo Finance](https://news.google.com/rss/articles/CBMifEFVX3lxTE51ajFzY3d2RWtHTV9pM0NpRnd3NnNNTUJTOV9EQkIteFl1Q2dxVlZTeXhvdktRRGh2M3JGeG1sZnVRMmVJVjB0MVVwU1ZpWGdxSTFySGVQdG9OQ19PVkdGMWRJNFNWNlAxN1JKby15Ti1XN19fc3Y0emxSTzA?oc=5) · Yahoo Finance
- 2026-04-14 [Third Coast Bank hosts Greater La Vernia Chamber mixer - Wilson County News](https://news.google.com/rss/articles/CBMingFBVV95cUxPWDI3WHM2ODR6UkNRc2tWUmpUckszd20xOFd5Y3BzbmdQc1g4S3ZIa1NQM1BzbzZwXzd5LVlVUVpYb1JTdUhmY2l5SDQxTk9KajZ3X3dTNnRvaVYySFdFZHNOWHdicjJXWVNqUHNXTm80S0ZYc1ZrRnZ4S0VGRVNnVkNWX0tkQnlSMGs2S1ZSa0w2TXh6MHBwSjVFQjNYUQ?oc=5) · Wilson County News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58716 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "58716", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide