Third Coast Bancshares, Inc. Net Assets
Third Coast Bancshares, Inc. net assets. Based on the latest financial reports, Third Coast Bancshares, Inc. (TCBX) has net assets worth $670.77 Million USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.74 Billion) and total liabilities ($6.06 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. See Third Coast Bancshares, Inc. (TCBX) balance sheet quality index to measure how much of total assets are equity-financed.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $670.77 Million |
| % of Total Assets | 9.96% |
| Annual Growth Rate | 44.92% |
| 5-Year Change | 77.6% |
| 10-Year Change | N/A |
| Growth Volatility | 54.63 |
Net Assets of Third Coast Bancshares, Inc. (2019–2025)
Net assets of Third Coast Bancshares, Inc. from 2019 to 2025. This chart illustrates how Third Coast Bancshares, Inc.'s net assets have evolved over time, based on quarterly financial data. Also explore TCBX net asset momentum to track the company's year-over-year net asset growth rate.
Annual Net Assets for Third Coast Bancshares, Inc. (2019–2025)
The table below shows the annual net assets of Third Coast Bancshares, Inc. from 2019 to 2025. For live market cap and overall valuation, see Third Coast Bancshares, Inc. market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $531.03 Million | +15.26% |
| 2024-12-31 | $460.72 Million | +11.83% |
| 2023-12-31 | $411.97 Million | +7.91% |
| 2022-12-31 | $381.78 Million | +27.68% |
| 2021-12-31 | $299.01 Million | +145.66% |
| 2020-12-31 | $121.72 Million | +112.41% |
| 2019-12-31 | $57.30 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Third Coast Bancshares, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1367.1% over the analyzed period, indicating profitable operations and earnings retention.
Third Coast Bancshares, Inc. Net Assets Breakdown (December 2025)
Third Coast Bancshares, Inc. net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $183.24 Million | 34.51% |
| Common Stock | $13.97 Million | 2.63% |
| Other Comprehensive Income | $10.92 Million | 2.06% |
| Other Components | $322.90 Million | 60.81% |
| Total Equity | $531.03 Million | 100.00% |
Third Coast Bancshares, Inc. Competitors by Market Cap
The table below lists competitors of Third Coast Bancshares, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hubei Radio and Television Information Network Co Ltd
SHE:000665
|
$668.93 Million |
|
QuinStreet Inc
NASDAQ:QNST
|
$669.11 Million |
|
Sheela Foam Limited
NSE:SFL
|
$669.39 Million |
|
Omnijoi Media Corp
SHE:300528
|
$669.56 Million |
|
Guangdong Silvere Sci and Tech
SHE:300221
|
$668.29 Million |
|
Inspur Software Co Ltd
SHG:600756
|
$668.17 Million |
|
Ncs Testing Technology Co Ltd
SHE:300797
|
$668.14 Million |
|
Kunming Chuan Jin Nuo Chemical Co Ltd
SHE:300505
|
$668.08 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Third Coast Bancshares, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 460,719,000 to 531,027,000, a change of 70,308,000 (15.3%).
- Net income of 66,291,000 contributed positively to equity growth.
- Dividend payments of 4,750,000 reduced retained earnings.
- Other comprehensive income increased equity by 6,412,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $66.29 Million | +12.48% |
| Dividends Paid | $4.75 Million | -0.89% |
| Other Comprehensive Income | $6.41 Million | +1.21% |
| Other Changes | $2.35 Million | +0.44% |
| Total Change | $- | 15.26% |
Book Value vs Market Value Analysis
This analysis compares Third Coast Bancshares, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.24x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.99x to 1.24x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $8.05 | $40.17 | x |
| 2020-12-31 | $19.19 | $40.17 | x |
| 2021-12-31 | $36.74 | $40.17 | x |
| 2022-12-31 | $27.76 | $40.17 | x |
| 2023-12-31 | $24.41 | $40.17 | x |
| 2024-12-31 | $26.89 | $40.17 | x |
| 2025-12-31 | $32.43 | $40.17 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Third Coast Bancshares, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.48%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.07%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 10.06x
- Recent ROE (12.48%) is above the historical average (7.68%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 4.16% | 4.74% | 0.05x | 16.20x | $-3.35 Million |
| 2020 | 9.95% | 14.50% | 0.04x | 15.34x | $-56.80K |
| 2021 | 3.82% | 11.07% | 0.04x | 8.36x | $-18.48 Million |
| 2022 | 4.89% | 11.65% | 0.04x | 9.88x | $-19.52 Million |
| 2023 | 8.11% | 12.53% | 0.06x | 10.67x | $-7.80 Million |
| 2024 | 10.35% | 14.10% | 0.07x | 10.73x | $1.60 Million |
| 2025 | 12.48% | 18.07% | 0.07x | 10.06x | $13.19 Million |
Industry Comparison
This section compares Third Coast Bancshares, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $613,546,100
- Average return on equity (ROE) among peers: 8.56%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Third Coast Bancshares, Inc. (TCBX) | $670.77 Million | 4.16% | 9.04x | $668.39 Million |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $112.55 Million | 10.67% | 9.38x | $5.54 Billion |
| ACNB Corporation (ACNB) | $97.47 Million | 8.72% | 9.31x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $330.16 Million | 13.53% | 8.13x | $803.41 Million |
| Amalgamated Bank (AMAL) | $341.11 Million | 3.10% | 10.85x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $705.73 Million | 8.97% | 11.93x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $58.40 Million | 19.35% | 11.78x | $712.05 Million |
| Associated Banc-Corp (ASB) | $4.02 Billion | 9.12% | 8.81x | $5.71 Billion |
| AmeriServ Financial Inc (ASRV) | $104.40 Million | 4.40% | 11.26x | $78.95 Million |
About Third Coast Bancshares, Inc.
Third Coast Bancshares, Inc. operates as the bank holding company for Third Coast Bank that provides various commercial banking solutions to small and medium-sized businesses and professionals in Texas, the United States. The company's deposit products include checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio consists of co… Read more