BlastPoint's Banking Scorecard
Third Coast Bank
Mid-Market
Specialty: Commercial
TX
FDIC cert 58716
Humble, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
Third Coast Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 12% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.3B
+8.1% YoY
+5.5% QoQ
|
-$5.1B |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$4.4B
+10.8% YoY
+5.5% QoQ
|
-$2.8B |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$4.6B
+7.3% YoY
+5.9% QoQ
|
-$3.9B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.46%
+22.5% YoY
+1.0% QoQ
|
+0.29% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
4.21%
+10.2% YoY
+0.8% QoQ
|
+0.81% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
53.84%
-6.2% YoY
+0.8% QoQ
|
-2.77% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.49%
-30.6% YoY
-6.4% QoQ
|
-0.19% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
93.98%
+3.2% YoY
-0.3% QoQ
|
+8.51% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
10.75%
-23.3% YoY
+4.4% QoQ
|
-9.89% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.56%
-4.1% YoY
-6.0% QoQ
|
+0.06% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
12.23%
-0.9% YoY
-2.9% QoQ
|
-1.32% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.27%
+16.2% YoY
+37.1% QoQ
|
-0.69% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
NIB Deposit Bleed
decline
#2 of 9 · Bottom 12% in Mid-Market
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
10.75%
(Tier: 20.64%, National: 21.79%)
9 of 9 Mid-Market banks match
·
98 nationally
→ Stable
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.40%
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
63
63th pctile
Efficiency Ratio
Current: 53.84% · Tier avg: 56.60%
57
57th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.68%
37
37th pctile
Tier 1 Capital Ratio
Current: 12.23% · Tier avg: 13.55%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
27
27th pctile
Loan-to-Deposit Ratio
Current: 93.98% · Tier avg: 85.47%
25
25th pctile
Total Loans
Current: $4.4B · Tier avg: $7.1B
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 10.75% · Tier avg: 20.64%
13
13th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.96%
12
12th pctile
Total Deposits
Current: $4.6B · Tier avg: $8.5B
6
6th pctile
Total Assets
Current: $5.3B · Tier avg: $10.5B
Top Weaknesses
6
6th pctile
Total Assets
Current: $5.3B · Tier avg: $10.5B
12
12th pctile
Total Deposits
Current: $4.6B · Tier avg: $8.5B
13
13th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.96%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 10.75% · Tier avg: 20.64%
25
25th pctile
Total Loans
Current: $4.4B · Tier avg: $7.1B
27
27th pctile
Loan-to-Deposit Ratio
Current: 93.98% · Tier avg: 85.47%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
37
37th pctile
Tier 1 Capital Ratio
Current: 12.23% · Tier avg: 13.55%
57
57th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.68%
63
63th pctile
Efficiency Ratio
Current: 53.84% · Tier avg: 56.60%
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
84
84th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.40%