Third Coast Bank, SSB.
Third Coast Bank, SSB is a Texas-chartered community bank operating 21 branches across Houston, Dallas-Fort Worth, Austin, and San Antonio, serving middle-market businesses, small businesses, and consumers with deposits, treasury management, residential mortgages, and commercial lending, now exceeding $6 billion in assets post the 2026 Keystone Bancshares merger.
- Company typePublic
- Founded2008
- HeadquartersHumble, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Third Coast Bank, SSB. does
Third Coast Bank, SSB is a Texas-chartered, FDIC-insured community bank headquartered in Humble, Texas, operating 21 branches and 2 loan production offices across the state's four largest metropolitan areas — Greater Houston, Dallas-Fort Worth, Austin, and San Antonio. Founded in 2008 with $17 million in assets, the bank grew to over $6 billion in assets by 2026, going public on NASDAQ in November 2021 and subsequently transferring its listing to NYSE and NYSE Texas under ticker TCBX. The bank serves five primary customer segments: middle-market corporate banking, small business banking, consumer mortgage lending (licensed in all 50 states), consumer retail banking, and Premier/high-net-worth banking through Third Coast Advisors.
The product suite spans personal and business deposit products (checking, savings, money market, CDs, IRAs), a full residential mortgage platform (conventional, FHA, VA, USDA, jumbo, construction, non-QM, DSCR, and a Professional Program offering 100% financing for doctors, attorneys, and CPAs), commercial and SBA lending (7(a) and 504), and treasury management services including ACH origination, Positive Pay, online wires, Remote Deposit Capture, sweep, lockbox, and merchant card services. Technology is delivered through the TCB Banking mobile app (iOS/Android with Zelle, mobile deposits), online banking for retail and business, Intuit OFX connectivity for QuickBooks and Quicken, and a multi-layer security architecture.
The business model combines net interest income from a loan portfolio (commercial real estate, construction, residential mortgage, consumer) with non-interest income from treasury management fees, mortgage banking, deposit service charges, and a growing securitization fee stream — including a $150 million CRE securitization with EJF Capital that earned Structured Credit Investor's 2025 North American Transaction of the Year award. The bank completed its merger with Keystone Bancshares, Inc. on February 1, 2026 in a transaction valued at approximately $123 million, adding roughly $812 million in loans, $1 billion in assets, and $844 million in deposits, and creating one of the largest independent Texas-based banking franchises.
Third Coast Bank, SSB. firmographics
Firmographics- Name
- Third Coast Bank, SSB.
- Legal name
- Third Coast Bank
- Website
- https://thirdcoast.bank
- Company type
- Public
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Third Coast Bank, SSB is a Texas-chartered community bank operating 21 branches across Houston, Dallas-Fort Worth, Austin, and San Antonio, serving middle-market businesses, small businesses, and consumers with deposits, treasury management, residential mortgages, and commercial lending, now exceeding $6 billion in assets post the 2026 Keystone Bancshares merger.
- Ownership category
- akta.pro rank
Third Coast Bank, SSB. industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Islamic Corporate Banking (FSABAGAC)
- akta.pro secondary industry
- Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA)
Keywords
Where Third Coast Bank, SSB. is headquartered
LocationHeadquarters
- HQ city
- Humble
- HQ country
- United States
- HQ region
- North America
Offices23 records
Markets served
Third Coast Bank, SSB. business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Interest income from loan portfolio including commercial real estate, construction, residential mortgages, and consumer loans minus interest paid on deposits
- Non-Interest Income: Fee income from treasury management services, mortgage banking, service charges on deposits, and other banking fees
- Securitization Revenue: Fee income from arranging securitization transactions for commercial real estate loans
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Business CDs with $1,000 minimum to open |
| Unit Pricing | Monthly | TCB Business Savings - $50 minimum to open |
| Unit Pricing | Monthly | TCB Business Money Market |
| Other | Pay-as-you-go | Mortgage products - Conventional, FHA, VA, USDA, Jumbo, Non-QM |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Third Coast Bank, SSB. product offering
Product offeringCore offering
Third Coast Bank, SSB is a Texas-based community bank founded in 2008 in Humble, Texas, operating 21+ branches across Houston, Dallas-Fort Worth, Austin, and San Antonio. The bank offers personal banking (checking, savings, CDs, IRAs, loans, credit cards), business banking (checking, savings, lending, SBA loans, treasury management, workplace banking), mortgage and non-QM lending, and wealth management through Third Coast Advisors. Following the February 2026 merger with Keystone Bancshares, total assets exceed $6 billion.
Product overview
Third Coast Bank is a Texas-based community bank offering a comprehensive suite of banking products through a unified banking platform. The core offerings include Personal Banking (checking, savings, CDs, loans, credit cards, and digital banking), Business Banking (checking, savings, CDs, loans, SBA loans, treasury management, and business credit cards), Premier Banking (premium services with dedicated bankers and Third Coast Advisors wealth management), and Mortgage products through a dedicated Mortgage Center (conventional, FHA, VA, USDA, jumbo, construction, and non-QM loans). The bank operates 21+ branches across Texas markets including Greater Houston, Dallas-Fort Worth, Austin, and San Antonio, with the Keystone Bank merger completed in February 2026 expanding assets to over $6 billion. All products are supported through the TCB Banking digital platform with mobile apps for retail and treasury clients.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
- Personal Savings, Money Market, CDs and IRAs
- Personal Loans and Credit Cards
- Premier Banking
- TCB Banking Mobile App
- Business Checking, Savings, Money Market and CDs
- Business Loans and Lines of Credit
- SBA Loans
- Treasury Management
- Workplace Banking
- Business Credit Cards
- Mortgage Lending
- Non-QM Loans
- Construction Lending
- Professional Program
- Third Coast Commercial Capital
- Third Coast Advisors Wealth Management
Quantifiable outcome
- Assets grew from $17M at founding (2008) to over $6 billion by 2026
- +4 more outcomes
Companies that use Third Coast Bank, SSB.
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
Third Coast Bank, SSB. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
Third Coast Bank, SSB. partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- The Lighthouse Church and MinistriescorePartnership with Pastor Keion Henderson's The Lighthouse Church to launch The Lighthouse Entrepreneurs Network, providing $10,000 in grants to five Houston small business owners. Initiative aims to empower minority entrepreneurs through community, education, and access to funding.
- Fannie MaecoreParticipating lender in Fannie Mae mortgage programs including HomeReady and RefiNow for affordable housing and refinance options
- Freddie MaccoreParticipating lender in Freddie Mac mortgage programs including HomeOne, Home Possible, and BorrowSmart for first-time homebuyers and affordable housing
- U.S. Department of Agriculture (USDA)coreParticipating lender in USDA Rural Development home loan programs for rural and suburban homebuyers with 100% financing options
- U.S. Department of Veterans Affairs (VA)coreParticipating lender in VA loan programs for eligible veterans, active-duty military, and surviving spouses with no down payment required
- Federal Housing Administration (FHA)coreParticipating lender in FHA loan programs with down payments as low as 3.5% and flexible credit requirements for first-time buyers
- Small Business Administration (SBA)corePreferred SBA lender offering 7(a) and 504 loan programs for business acquisitions, startups, equipment, real estate, and working capital. SBA 7(a) loans up to $5 million with 75% guaranty; SBA 504 loans through CDC partnerships.
- Export-Import Bank (EXIM)minorEXIM Working Capital Loan Guaranty Program partner providing up to 90% guaranty for export-related working capital loans from $1 million to $10 million
- BancCardminorMerchant card services partnership providing credit card and debit card processing solutions for business customers
- Elan Financial ServicesminorProvider of business credit cards issued under Visa and Mastercard licenses, offering low rate, cash back, and flexible rewards options
- Fannie Mae HomeReady LendersminorDown payment assistance program partnerships including Boost DPA, Aurora DPA, and Elevate Grant programs
- Third Coast Commercial Capital (TCCC)minorCommercial capital arm referenced as part of the Third Coast Bank ecosystem
Scale indicators30 records
Recent moves7 records
Expansion highlights6 records
Third Coast Bank, SSB. competitors and assessment
Company assessmentDirect peers
- Veritex Holdings: Veritex Holdings (VBTX) is a Dallas-headquartered community banking franchise operating primarily across Texas with comparable mid-market commercial banking, treasury management, and mortgage lending services. Highly comparable on size (~$13B assets pre-2025 acquisitions), geographic focus, and product mix.
- Independent Bank Group: Independent Bank Group (IBTX) is a McKinney, Texas-based community bank holding company with operations across Texas and Colorado offering commercial banking, mortgage, and treasury services. Directly comparable on Texas community banking focus, commercial/middle-market emphasis, and growth-via-acquisition strategy.
- Texas Capital Bancshares: Texas Capital Bancshares (TCBI) is a Dallas-based commercial bank serving businesses and HNW clients across Texas with strong middle-market and capital markets capabilities. Directly comparable on Texas commercial banking focus, though larger and more capital-markets oriented than Third Coast.
- Southside Bancshares: Southside Bancshares (SBSI) is a Tyler, Texas-based bank holding company with operations concentrated in East Texas. Comparable on Texas community bank focus, conservative balance sheet management, and similar asset size range.
- First Financial Bankshares: First Financial Bankshares (FFIN) is an Abilene, Texas-based community bank operating across Texas markets with strong commercial and consumer banking. Directly comparable on Texas community banking focus, conservative growth approach, and public-company discipline, though larger than Third Coast.
- Pinnacle Financial Partners: Pinnacle Financial Partners (PNFP) is a Nashville-based community bank with relationship-driven middle-market and commercial banking model. Comparable on growth strategy, relationship-banking GTM, and product mix though serving different geographies (Tennessee/Southeast vs. Texas).
Broad incumbents
- Prosperity Bancshares: Prosperity Bancshares (PB) is a large Texas-based regional bank with deep branch network across the state. Operates in the same Texas metros as Third Coast with broader product set and significantly larger scale (~$40B+ assets), making it an incumbent competitor rather than a same-size peer.
- Cullen/Frost Bankers: Cullen/Frost Bankers (CFR) is a San Antonio-based regional bank with extensive Texas operations and a full suite of commercial, consumer, and wealth management services. A larger incumbent competitor overlapping heavily with Third Coast's Texas markets but operating at much greater scale.
- Cadence Bank: Cadence Bank (CADE) operates commercial and treasury banking across the Southeast and Texas with comparable middle-market and small-business banking services. Broader geographic footprint and larger asset base than Third Coast, but overlapping product set and target segments.
Regional players
- Triumph Financial: Triumph Financial (TFIN) is a Dallas-based financial services company with banking operations including commercial lending and payment services across Texas. Similar Texas commercial banking focus and growth orientation, but with distinct factoring/payments business mix.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Third Coast Bank, SSB. social profiles
Digital presenceThird Coast Bank, SSB. compliance and trust
Trust signalCompliance6 records
Third Coast Bank, SSB. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Third Coast Bank, SSB. leadership team
Management profileNumber of profiles
Third Coast Bank, SSB. subsidiaries and ownership
Company hierarchySubsidiaries1 record
Third Coast Bank, SSB. funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Third Coast Bank, SSB. M&A and investment
M&A and investmentM&A1 record
Investments5 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Third Coast Bank, SSB.
What does Third Coast Bank, SSB. do?
Third Coast Bank, SSB is a Texas-based community bank founded in 2008 in Humble, Texas, operating 21+ branches across Houston, Dallas-Fort Worth, Austin, and San Antonio. The bank offers personal banking (checking, savings, CDs, IRAs, loans, credit cards), business banking (checking, savings, lending, SBA loans, treasury management, workplace banking), mortgage and non-QM lending, and wealth management through Third Coast Advisors. Following the February 2026 merger with Keystone Bancshares, total assets exceed $6 billion.
Is Third Coast Bank, SSB. a public or private company?
Third Coast Bank, SSB. is a public company. It is classified as public and is currently operating.
When was Third Coast Bank, SSB. founded?
Third Coast Bank, SSB. was founded in 2008. It employs 251 to 500 people.
Where is Third Coast Bank, SSB. based?
Third Coast Bank, SSB. is headquartered in Humble, United States, in the North America region.
How does Third Coast Bank, SSB. make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and securitization Revenue.
Who are Third Coast Bank, SSB.'s main competitors?
Direct peers on record are Veritex Holdings, Independent Bank Group, Texas Capital Bancshares, Southside Bancshares, First Financial Bankshares and Pinnacle Financial Partners. Broad incumbents are Prosperity Bancshares, Cullen/Frost Bankers and Cadence Bank. Triumph Financial is listed as a regional player.
Does Third Coast Bank, SSB. have an API?
No public API is recorded for Third Coast Bank, SSB..
What industry is Third Coast Bank, SSB. in?
Third Coast Bank, SSB.'s product category is Community Banking. Its primary akta.pro industry code is FSABAGAC, Islamic Corporate Banking, with a secondary code of FSAAABAA, Onshore Private Banking (Domestic HNW/UHNW). Its NAICS code is 522110 and its SIC code is 6022.