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TCBX

Third Coast Bancshares, Inc.

Third Coast Bancshares, Inc. is classed by the SEC under Savings Institutions, Not Federally Chartered (industry code 6036), based in Humble, TX. Its latest filed balance sheet (2025-12-31) shows total assets of $6.6 billion (its filed statements).

Lending business Savings Institutions, Not Federally Chartered Humble, TX filings since 2020 3 of 9 filed, 6 estimated
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Sector peers: SMBCHFWANBBKHBCP

3.9/10headline grade
vs its business-model standard
2.3/10past 5.0/10present 4.6/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6036, Savings Institutions, Not Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 3.9 out of ten, 3 of 9 metrics filed and 6 estimated: past 2.3 out of ten, present 5.0 out of ten, future 4.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 2.0 out of ten. 1 warning event since 2020; the latest 2025-09-22. 20th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 20 of 100 (family median). 50th percentile among 19 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
  • Shareholder treatment (past): 1.1 out of ten. Share count grew 8.3% a year. 0% of cash flow returned. Insiders: 5 sales, 2 purchases. 11th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 4.2 out of ten. ROE 12%: 12¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar. 42nd percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 5.8 out of ten. CrossAssetData estimate 5.8/10, confidence 20 of 100 (family median). 50th percentile among 22 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
  • Leadership (present): 5.7 out of ten. CrossAssetData estimate 5.7/10, confidence 35 of 100 (one part). 57th percentile among 22 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
  • Room to expand (future): 3.3 out of ten. CrossAssetData estimate 3.3/10, confidence 35 of 100 (one part). 33rd percentile among 23 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
  • Growth drivers (future): 5.3 out of ten. CrossAssetData estimate 5.3/10, confidence 20 of 100 (family median). 50th percentile among 19 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
  • Expectations vs reality (future): 5.4 out of ten. CrossAssetData estimate 5.4/10, confidence 20 of 100 (family median). 50th percentile among 17 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.

The filing record

Newest annual report: Form 10-K filed 2026-03-04 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-04 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-22 (on EDGAR). Newest filing: Form 425, 2026-10-09. Filings on record since 2020. Read from EDGAR 2026-10-12.

Who runs it

Caraway, Bart (Chairman, President and Chief Executive Officer); Bobbora, William (Executive Vice President and Chief Banking Officer); Duncan, Audrey (Senior Executive Vice President and Chief Credit Officer); Eber, Liz (Executive Vice President and Chief Legal Officer); Peacock, Christopher Seay (Executive Vice President and Chief Retail Officer); Rau, Laura (Executive Vice President and Chief Risk Officer Exhibit 24 - Power of Attorney); Mcwhorter, Richard J (Chief Financial Officer); Glander, Troy Andrew (director); Bailey, Carolyn (director); Basaldua, Martin (director); and 11 more. 21 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

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