Third Coast Bancshares, Inc.

Third Coast Bancshares, Inc. is a Texas-based bank holding company headquartered in Humble, Texas, operating through Third Coast Bank and its commercial finance subsidiary TCCC. The company provides commercial banking services to small and medium-sized businesses and professionals across its Texas branch network.

— Third Coast Bancshares, Inc.
%
Commercial lending55% Loans, lines of credit, and related credit facilities for business customers.
Deposit services20% Business and professional deposit accounts that fund the bank's balance sheet.
Treasury management10% Cash management and payment services for operating businesses.
Commercial finance and specialty banking10% Additional banking and lending services through the bank's subsidiaries.
Other banking services5% Fee-based and ancillary services, including customer hedging and liquidity support.

Third Coast serves small and medium-sized businesses, along with professionals operating in its Texas markets...

  • Small and medium-sized businessesprimary

    Borrow commercial loans, lines of credit, deposits, and treasury services for day-to-day operations and growth.

  • Professionalssecondary

    Use business banking, deposit, and lending products tailored to higher-touch relationship needs.

  • Commercial real estate borrowerssecondary

    Seek property-backed financing and related banking services in the bank's markets.

  • Commercial and industrial borrowersprimary

    Use working capital, equipment, and operating credit facilities.

  • Deposit customersprimary

    Provide core funding through operating, money market, and savings balances.

Third Coast is concentrated in Texas, with branches in the Greater Houston, Dallas-Fort Worth, Austin-San Antonio,...

  • •Headquartered in Humble, Texas
  • •Core markets are Greater Houston, Dallas-Fort Worth, and Austin-San Antonio
  • •Additional branches in Ballinger and Detroit, Texas
  • •Business is tied to local Texas commercial relationships
  • •Regional economic conditions affect loan demand and deposit competition

The company’s strategy centers on relationship-driven commercial banking in Texas, using local market expertise to win...

01
Grow relationship-based commercial banking in Texasmedium-term

Local expertise and personalized service are central to winning SME customers.

02
Integrate acquisitions and expand market footprintshort-term

Acquisitions broaden the branch network and customer base, but require execution discipline.

03
Preserve regulatory capital and funding flexibilityshort-term

Bank growth depends on staying well capitalized and maintaining stable funding.

04
Invest in technology and operating infrastructuremedium-term

Systems investment supports customer experience, controls, and future scale.

Third Coast faces the core risks of a relationship bank: interest-rate sensitivity, deposit competition, credit...

high

Interest rate risk

Bank earnings depend on the spread between loan yields and deposit/funding costs.

Scope
Deposit repricing and asset-liability mismatch
Materiality
high
high

Deposit concentration and funding stability

Loss of large or relationship deposits can increase funding costs and reduce liquidity.

Scope
Core deposits and wholesale borrowings
Materiality
high
high

Credit risk in commercial lending

The loan book is concentrated in business lending, which is sensitive to borrower performance.

Scope
Commercial and industrial, commercial real estate
Materiality
high
high

Cybersecurity and fraud

Banks handle sensitive customer data and payments, making them targets for attacks.

Scope
Customer accounts, network systems, third-party vendors
Materiality
high
medium

Acquisition and integration risk

Mergers can create operational disruption and may not deliver expected benefits.

Scope
Systems, employees, customer retention
Materiality
medium
Allowance for credit losses
Loan loss provision and balance sheet reserves
Fair value measurement
Noninterest income and accumulated other comprehensive income
Interest rate sensitivity assumptions
Net interest income and capital planning
Merger and acquisition accounting
Balance sheet basis marks and potential impairment
Mortgage-backed securities prepayment assumptions
Interest income and portfolio valuation

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: 29/04/2026