Third Coast Bank is a state-chartered bank (fed member) headquartered in Humble, Texas, in business for about 18 years. At the end of Q2 2026 it reported $6.7B in total assets and $5.9B in deposits, with 22 offices.
Third Coast Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 211th. Problem-loan coverage contributes the most (87/100, 6.3%); funding & liquidity contributes the least (50/100, 92% loans-to-deposits, 31% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (73 → 71), mostly because the capital cushion component weakened by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 69 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 74 |
| Q1 2026 | 70 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.71% |
| Q3 2024 | 11.95% |
| Q4 2024 | 11.37% |
| Q1 2025 | 11.93% |
| Q2 2025 | 11.89% |
| Q3 2025 | 11.75% |
| Q4 2025 | 11.84% |
| Q1 2026 | 11.84% |
| Q2 2026 | 11.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.70% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.50% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.19% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.38% |
| Q3 2025 | 1.44% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $6.7B | 11.44% | 0.50% | 1.37% | 91.9% |
| Q1 2026 | 70 | $6.6B | 11.84% | 0.68% | 1.22% | 90.9% |
| Q4 2025 | 74 | $5.3B | 11.84% | 0.49% | 1.46% | 94.0% |
| Q3 2025 | 73 | $5.1B | 11.75% | 0.52% | 1.44% | 94.3% |
| Q2 2025 | 73 | $4.9B | 11.89% | 0.49% | 1.38% | 94.3% |
| Q1 2025 | 72 | $4.9B | 11.93% | 0.47% | 1.25% | 92.9% |
| Q4 2024 | 69 | $4.9B | 11.37% | 0.70% | 1.19% | 91.0% |
| Q3 2024 | 70 | $4.6B | 11.95% | 0.62% | 1.16% | 96.4% |
| Q2 2024 | 69 | $4.5B | 11.71% | 0.65% | 1.10% | 96.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tbk Bank, SSBBank Dallas, TX | 52 out of 100, Below average | $7.4B | 9.9% | 1.65% | vs |
| The American National Bank of TexasBank Terrell, TX | 61 out of 100, Moderate | $5.5B | 8.8% | 0.23% | vs |
| Broadway National BankBank San Antonio, TX | 79 out of 100, Strong | $5.4B | 10.9% | 0.19% | vs |
| City BankBank Lubbock, TX | 75 out of 100, Strong | $5.4B | 10.8% | 0.25% | vs |
| Vantage Bank TexasBank San Antonio, TX | 61 out of 100, Moderate | $5.1B | 9.0% | 0.87% | vs |
| Southside BankBank Tyler, TX | 75 out of 100, Strong | $8.8B | 11.4% | 0.19% | vs |
Deposit insurance
Is my money safe at Third Coast Bank?
Yes. Third Coast Bank is an FDIC-insured institution (FDIC certificate #58716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.0% of deposits ($1.8B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.91% (benchmark: 10%).
22 locations
Branches
Third Coast Bank lists 20 offices in 18 cities. Most locations:
- Austin, TX (3)
- Ballinger, TX (1)
- Beaumont, TX (1)
- Conroe, TX (1)
- Detroit, TX (1)
- Fort Worth, TX (1)
- Georgetown, TX (1)
- Houston, TX (1)
- Humble, TX (1)
- Kingwood, TX (1)
- Lake Jackson, TX (1)
- La Vernia, TX (1)
HMDA 2025
Mortgage lending
In 2025, Third Coast Bank reported 100 home-loan applications under HMDA (LEI 254900Y3KT6SZM11MQ06): 88 originated ($60,510,000 total), 2 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Third Coast Bank
- Former names
- Third Coast Bank, SSB
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 58716
- RSSD ID
- 3630323
- Primary regulator
- FED
- Holding company
- Third Coast Bancshares Inc
- Established
- February 25, 2008
- Headquarters
- 20202 Highway 59 N, Humble, TX 77338
- Website
- www.thirdcoast.bank
- Employees
- 504
Quick answers
Third Coast Bank: common questions
Is Third Coast Bank FDIC insured?
Yes. Third Coast Bank is an FDIC-insured institution (FDIC certificate #58716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Third Coast Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Third Coast Bank ever failed?
There is no failure record for FDIC certificate #58716 in the FDIC failed bank list.
How many branches does Third Coast Bank have?
22 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Humble
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| F a a Federal Credit UnionCredit union Cordova, TN | 91 out of 100, Very strong | $131.1M | 18.6% | 0.87% | vs |
| Kbr Heritage Federal Credit UnionCredit union Houston, TX | 90 out of 100, Very strong | $76.4M | 22.6% | 0.39% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |