Third Coast Bancshares (TCBX) concentration risks

Third Coast Bancshares discloses concentration on both sides of the balance sheet, at a moderate scale overall. On the asset side, commercial and industrial loans represent approximately $1.91 billion, or 43.4%, of gross loans — a medium-share structural exposure tied to the composition of the loan book itself. On the funding side, the fifteen largest depositors account for $1.74 billion, or approximately 37.7%, of total deposits, a medium-share dependency exposure since it hinges on a limited set of depositor relationships rather than the broad depositor base. Separately, brokered deposits stood at $660.4 million, or approximately 14.3% of total deposits, a low-share dependency exposure. These exposures net out to a bank whose loan composition leans toward commercial and industrial credit and whose deposit base carries meaningful reliance on a small number of large depositors, with brokered funding playing only a minor supporting role. The depositor concentration is the more idiosyncratic of the two larger exposures — a handful of large relationships pulling back could pressure liquidity — while the loan-mix concentration is structural and would move with commercial credit cycles. Together they suggest funding stability is somewhat more dependent on relationship continuity than the loan book is on any single borrower type.

For the engine’s reasoning on TCBX’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.

Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.