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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Third Coast Bank

Humble, Texas · $6.73B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

92.8%
Loans / deposits
12th of 12
+33.3%
Loans, year over year
1st of 12, largest first
12.0%
Equity / assets
4th of 12

Third Coast Bank is the fourth largest of the 12 Texas banks nearest its size between $3B and $10B, with $6.73B in assets at 30 June 2026. Loans are 92.8% of deposits, the highest in the cohort against a median of 73.1%, and equity is 12.0% of assets, 4th of 12. Loans grew +33.3% in the year, the fastest in the cohort, and deposits grew 36.8%; the cohort's median loan growth is +5.8%.

Noncurrent loans are 0.50% of the book, 6th of 12 against a median of 0.69%; 0.36% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 34.6% of loans, 4th of 12 against a median of 37.4%, and 236% of capital, below the 300% screen, with construction at 111% against the 100% screen. CRE has grown +58.7% over 36 months, past the guidance's 50% prong.

Return on assets is 1.29%, 8th of 12 against a median of 1.35%, on an efficiency ratio of 57.9%, 6th of 12. Five years ago it was 0.93%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Loans as a share of depositsTX banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 73.1% TE Texas Exchange Bank 26.2% IB International Bank of Com 40.2% FN First National Bank Texas 55.8% BN Broadway National Bank 65.3% VN Verabank National Association 69.6% WN Woodforest National Bank 72.3% AN American National Bank of Texas 73.9% CB City Bank 80.1% SB Southside Bank 80.2% TB TBK Bank SSB 87.9% VB Vantage Bank Texas 88.9% TC Third Coast Bank 92.8%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.8% TC Third Coast Bank +33.3% CB City Bank +21.4% VB Vantage Bank Texas +14.7% TB TBK Bank SSB +10.5% SB Southside Bank +7.6% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% VN Verabank National Association -1.5% WN Woodforest National Bank -7.2% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Third Coast Bank is the 33rd largest 7(a) lender into Texas of 706, with $304M across 360 loans, 0.7% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 44 of its 60 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$102M21st of 3141.2%-1.6 pts
Travis, TX$31M18th of 2391.2%+1.7 pts
Montgomery, TX$22M13th of 1651.8%+0.0 pts
Jefferson, TX$19M5th of 815.9%quiet FY2022
Fort Bend, TX$14M28th of 1800.9%-0.0 pts
Bexar, TX$12M45th of 2370.6%+0.1 pts
Orange, TX$12M1st of 3813.2%+15.7 pts
Tarrant, TX$8M93rd of 2810.2%+0.1 pts
Dallas, TX$7M116th of 3140.1%+0.0 pts
Hidalgo, TX$7M12th of 942.0%quiet FY2022
Lubbock, TX$6M19th of 971.7%quiet FY2020
Galveston, TX$5M22nd of 1131.1%quiet FY2022
Hays, TX$5M17th of 1231.3%+0.8 pts
47 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance49$53M16.5%0.11%126th of 2,172
Accommodation & food services79$46M14.3%0.06%236th of 2,596
Retail trade37$32M10.1%0.05%238th of 2,589
Manufacturing26$26M8.1%0.07%246th of 2,246
Other services46$25M7.9%0.07%199th of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Third Coast Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans TC Third Coast Bank 0.7% $304M · 360 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Third Coast BankRankCohort median
Total CRE against capital, the 300% screen236%8th of 12214%
Construction against capital, the 100% screen111%12th of 1253%
Construction and land development, share of loans16.3%11th of 1211.3%
Non-owner-occupied nonfarm nonresidential, share of loans17.1%3rd of 1222.2%
Total CRE, the guidance definition, share of loans34.6%4th of 1237.4%
CRE growth over 36 months, the third prong+58.7%11th of 12+23.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Woodforest National Bank$8.98B2.1%73.2%1.93%0.27%1.5%72.3%8.8%
Southside Bank$8.76B1.3%51.1%0.19%0.02%0.9%80.2%12.4%
TBK Bank SSB$7.40B0.6%86.4%1.65%0.13%0.6%87.9%14.3%
Third Coast Bank$6.73B1.3%57.9%0.50%-0.01%1.0%92.8%12.0%
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Third Coast BankCohort median
20212026Change20212026Change
Loans$1.55B$5.44B+250%$2.18B$3.59B+65%
Deposits$1.79B$5.86B+227%$3.27B$4.68B+43%
NPA / loans0.34%0.50%+0.15 pts0.41%0.69%+0.28 pts
Efficiency70.9%57.9%-12.9 pts66.7%59.3%-7.4 pts
ROA0.93%1.29%+0.36 pts1.51%1.35%-0.16 pts

This read was prepared for Third Coast Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Third Coast Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.thirdcoast.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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