Third Coast Bank: how it compares with its peers
Against 19 TX banks with half to twice its assets, Third Coast Bank's strongest measure in Q2 2026 is assets per employee ($13.4M vs. a $9.1M peer median). Its weakest relative measure is return on assets (1.37% vs. 1.54%).
| Measure | Third Coast Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.54% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.99% | 3.75% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.37% | 57.85% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.4M | $9.1M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.91% | 77.65% | Context |
What it means for lending operations
Its efficiency ratio of 57.37% is better than the 57.85% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- TBK BANK, SSB Dallas, TX · $7.40B
- The American National Bank of Texas Terrell, TX · $5.51B
- Broadway National Bank San Antonio, TX · $5.42B
- City Bank Lubbock, TX · $5.39B
- Vantage Bank Texas San Antonio, TX · $5.14B
- Southside Bank Tyler, TX · $8.76B
Questions about Third Coast Bank
How big is Third Coast Bank?
Third Coast Bank, established in 2008, is headquartered in Humble, TX. It reported $6.73B in total assets in its Q2 2026 FDIC call report and operates 22 offices.
What is Third Coast Bank's return on assets?
1.37% annualized in Q2 2026, against a 1.54% median for 19 TX banks with half to twice its assets, ahead of 42% of them.
What is Third Coast Bank's efficiency ratio?
57.37% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 57.85%, and lower is better.
Is Third Coast Bank growing its loans?
Net loans grew 33.2% over the year to Q2 2026, while deposits grew 36.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.