Third Coast Bank, SSB

Third Coast Bank, SSB is headquartered in Humble and is the 222^nd largest bank in the state of Texas. It is also the 2,854^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 43 employees at 3 locations. Third Coast Bank, SSB has a 4-star health rating.

Third Coast Bank, SSB Routing Number: 113094149

Data for Q1 2012

Institution Statistics Third Coast Bank, SSB FDIC Certificate # 58716 BankRate Report View Year Established 2008 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $223.79 million Loans $175.15 million Deposits $194.58 million Equity Capital $28.79 million Loan Loss Allowance $1.99 million Unbacked Noncurrent Loans $2.45 million Real Estate Owned $1.53 million Historic Data - March 2011 Assets $210.23 million Equity Capital $21.00 million Loan Loss Allowance $1.88 million Unbacked Noncurrent Loans $646,000 Profit Margin - Quarterly Net Interest Margin 4.19% Return on Assets 0.84% Return on Equity 6.64% Interest Income $2.57 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Third Coast Bank, SSB had $3.98 million in non-current loans and owned real-estate with $30.78 million in equity and loan loss allowances on hand to cover it. This gives Third Coast Bank, SSB a Texas Ratio of 12.92% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Third Coast Bank, SSB increased slightly from 2.82% as of March 31, 2011 to 12.92% as of March 31, 2012, resulting in a negative change of 357.74%. This indicates that the balance sheet and financial strength for Third Coast Bank, SSB has declined slightly in recent periods. Deposit Growth In the past year, Third Coast Bank, SSB has increased its total deposits by $5.87 million, resulting in 3.11% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Third Coast Bank, SSB has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Third Coast Bank, SSB has $223.79 million in assets with $30.78 million in equity, resulting in a capitalization level of 13.75%, which is excellent.

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