Third Coast Bancshares is a Texas-focused commercial bank headquartered in Humble, Texas, operating through its subsidiary Third Coast Bank. The bank targets small and medium-sized businesses across the Texas Triangle — Greater Houston, Dallas-Fort Worth, and Austin-San Antonio. Following its 2026 merger with Keystone Bancshares, Third Coast operates 22 branches and holds roughly $6B in total assets. The loan portfolio is centered on C&I loans, construction and development loans, and commercial real estate. Third Coast makes money primarily through net interest income — the spread between loan yields and deposit costs. Loan growth is the primary revenue driver, with management targeting roughly $75M–$100M in net loan growth per quarter. The bank uses a relationship banking model, deploying dedicated relationship managers to serve business clients — a deliberate contrast to larger banks. Third Coast actively recruits experienced bankers from competitors, particularly banks disrupted by consolidation, and brings their client relationships along. The bank supplements interest income with treasury management fees, which have grown into a meaningful recurring revenue stream. Third Coast also executes construction loan securitizations to free up capital and manage CRE concentration, an unconventional strategy for a bank its size. Organic growth is the primary growth engine, with M&A used opportunistically; past acquisitions include Heritage Bancorp in 2020 and Keystone Bancshares in 2026. Management views the Texas Triangle as offering strong demographics and business formation rates that support sustained loan demand.