Third Coast Bank: Routing Number, Locations, Online Banking
Third Coast Bank is a Texas community bank serving individuals, professionals, and businesses across several major metropolitan markets. Its operations center on relationship banking, commercial lending, deposit services, and financial solutions.
The institution was chartered in 2008 and has expanded beyond its original Houston-area market. Today, its presence includes communities around Houston, Austin, and Dallas-Fort Worth.
The bank operates under Third Coast Bank SSB, while its publicly traded parent company is Third Coast Bancshares, Inc. This distinction matters because many searches use the bank and parent company’s names interchangeably.
What Is Third Coast Bank?
Texas Community Banking
Third Coast Bank SSB is a Texas state savings bank headquartered in the Houston metropolitan area. The institution focuses on local banking relationships rather than maintaining the nationwide branch network associated with major financial corporations.
Its services cover personal banking, commercial banking, lending, treasury management, mortgage financing, and digital banking. Business customers represent an important part of its overall customer base.
When Was The Bank Founded?
The institution received its Texas charter on May 9, 2008. It was established during a period when relationship-focused community banking remained an important part of local business finance.
Since its founding, the bank has expanded its physical presence and commercial lending operations. Its growth strategy has centered on major Texas markets with substantial business activity.
Who Owns Third Coast Bank?
Third Coast Bancshares
Third Coast Bancshares, Inc. is the holding company behind the operating bank. Its common stock trades on the Nasdaq Global Select Market under the ticker TCBI.
This structure means customers conduct banking through Third Coast Bank, while investors purchase shares in the parent corporation. The distinction is useful when researching financial statements, stock information, or investor announcements.
Is Third Coast Bancshares The Same As The Bank?
The two organizations are closely related but legally distinct. Third Coast Bank SSB operates the banking business, while Third Coast Bancshares owns the banking institution.
Financial reports for the parent company can therefore contain information about the bank’s performance. Investors should review the applicable filings when evaluating TCBI rather than treating the bank itself as the publicly traded security.
Who Leads The Bank?
Chief Executive Officer
Jeremy Ford serves as President and Chief Executive Officer. His banking career includes senior leadership responsibilities within the Texas financial sector.
The executive leadership team oversees commercial lending, retail banking, finance, operations, and other areas of the organization.
Board Leadership
John T. Nicholson serves as Chairman of the Board. The board provides corporate oversight while executive management handles the institution’s daily operations.
Eric Newell serves as Chief Financial Officer. His responsibilities include financial reporting, capital management, and related corporate functions.
Where Are Third Coast Bank Locations?
Houston Area
Houston is the institution’s original and largest geographic market. The bank maintains offices across several communities surrounding the metropolitan area.
Locations and service areas have included Kingwood, Humble, The Woodlands, Spring, Cypress, Katy, Sugar Land, Pearland, Friendswood, League City, and other surrounding communities.
Austin Area
The institution has expanded into the Austin market as part of its broader Texas growth strategy. Austin provides access to businesses and professionals operating in technology, construction, healthcare, real estate, and other industries.
Branch availability can change over time, so customers should use the current location directory when searching for a nearby office.
Dallas-Fort Worth Area
Dallas-Fort Worth is another important market for the organization. Its presence there supports commercial customers and businesses operating throughout the large North Texas economy.
The expansion into multiple metropolitan areas gives the institution a broader Texas footprint while retaining its community-bank approach.
What Is The Third Coast Bank Routing Number?
Current Routing Number
The commonly reported routing number is 113122747. Customers may need this number for direct deposits, ACH transactions, and certain other electronic banking activities.
Routing information should always be verified against current account documentation before an important transaction is submitted. Different payment types can require specific instructions.
How Can You Verify The Number?
Customers can check their checks, account information, or official banking documentation. They can also contact the institution directly when a transaction requires verified routing information.
This is particularly important for wire transfers because wire instructions can differ from standard ACH information.
Does Third Coast Bank Have Online Banking?
Personal Online Banking
The institution provides online banking for personal customers. Users can access account balances, transaction history, transfers, statements, Bill Pay, and other everyday banking functions.
Online banking allows customers to manage accounts without visiting a branch. It works alongside the institution’s mobile banking services.
Business Online Banking
Business customers receive additional digital banking capabilities designed around commercial financial activity. These services can include ACH transactions, wire transfers, cash management, Positive Pay, and remote deposit.
Businesses can also manage users and account permissions where supported. These functions are useful for companies with multiple employees handling financial transactions.
Online Banking Login
Customers should access online banking through the institution’s official website rather than third-party login pages. Using a trusted bookmark or manually entering the official website address can reduce phishing risks.
Customers who forget their credentials should use the current recovery process instead of repeatedly guessing passwords.
Does Third Coast Bank Have A Mobile App?
Mobile Banking
The mobile banking platform provides account access through compatible smartphones and tablets. Customers can use supported devices to review accounts, transfer money, deposit checks, and manage other banking functions.
Mobile access can be particularly useful for customers who rarely visit a physical branch.
Mobile Deposit
Eligible customers can deposit checks through mobile banking. The process generally involves photographing the check and submitting the deposit through the application.
Deposit availability, limits, and eligibility depend on current account terms. Customers should retain checks according to the institution’s current mobile deposit instructions.
What Personal Banking Services Are Available?
Checking And Savings
Personal customers can access checking and savings products for everyday financial needs. Checking accounts can support direct deposits, debit card purchases, online banking, and Bill Pay.
Savings products provide options for customers who want to maintain funds separately from everyday spending accounts. The institution may also offer money market accounts and certificates of deposit.
Certificates Of Deposit
Certificates of deposit allow customers to commit funds for specified periods in exchange for stated interest terms.
Rates, maturity periods, minimum deposits, and early withdrawal conditions can change. Customers should review current disclosures before opening a CD.
What Loans Does Third Coast Bank Offer?
Consumer Lending
The institution provides financing options for eligible personal customers. Depending on the product and applicant, these services can include personal loans, vehicle financing, home equity products, and lines of credit.
Approval depends on factors such as credit history, income, collateral, and other underwriting requirements.
Mortgage Lending
Mortgage services can support home purchases and refinancing. Eligible homeowners may also have access to home equity financing.
Mortgage rates and qualification requirements change according to market conditions and individual circumstances. Customers should obtain current terms directly from a lending representative.
Commercial Lending
Commercial lending is one of the institution’s most significant areas of focus. The bank provides financing for businesses, commercial real estate, construction, equipment, working capital, and other qualified purposes.
This commercial orientation distinguishes the institution from banks that concentrate more heavily on consumer deposits and personal lending.
What Business Banking Services Are Available?
Treasury Management
Treasury management services help businesses manage incoming and outgoing funds. Available tools can include ACH origination, wire transfers, account reporting, fraud controls, and remote deposit.
These services can reduce manual work for companies with recurring financial transactions. They also provide businesses with greater control over cash movement.
Positive Pay
Positive Pay is a fraud prevention service available to qualifying business customers. It allows companies to compare certain transactions against information they previously authorized.
Businesses can use this type of service to identify suspicious checks or other transactions before payment occurs.
Remote Deposit Capture
Remote deposit capture allows eligible businesses to deposit checks electronically from their offices. The service can save time for companies that receive significant check volumes.
Availability depends on business eligibility and the terms established with the bank.
Does Third Coast Bank Offer Private Banking?
Private Banking Services
The institution provides private banking services for qualifying customers with more complex financial requirements. These services can combine deposits, lending, cash management, and other financial products.
Private banking customers may work with dedicated banking professionals depending on their relationship and eligibility.
Wealth Management
Wealth management services can address investment planning, retirement considerations, and broader financial goals. Investment products differ from deposit accounts and are not protected against normal market losses by FDIC insurance.
Customers should review investment risks and fees before purchasing securities or other investment products.
Is Third Coast Bank FDIC Insured?
FDIC Coverage
Yes, Third Coast Bank SSB is FDIC insured. Its FDIC certificate number is 58537.
Eligible deposits receive federal insurance subject to applicable ownership categories and coverage limits. Customers can confirm current insurance information through official FDIC resources.
What Does FDIC Insurance Cover?
FDIC insurance generally covers qualifying deposit accounts, including eligible checking, savings, and certain other deposit products.
It does not cover investment losses, changes in stock values, or other products that are not insured deposits.
For comparison, readers researching other community banking institutions can review information about North Brookfield Savings Bank, which operates under a different ownership structure and serves Massachusetts communities.
What Is Third Coast Bancshares Stock?
TCBI Stock
Third Coast Bancshares trades under the Nasdaq symbol TCBI. The holding company became publicly traded in 2021 following its initial public offering.
Investors can review quarterly earnings reports, annual filings, SEC documents, and investor presentations to research the company’s financial performance.
Bank Versus Holding Company
A customer opening a checking account interacts with the operating bank rather than purchasing shares in the parent company. An investor purchasing TCBI shares becomes a shareholder of Third Coast Bancshares.
This distinction is important when interpreting financial information found online.
How Does The Bank Compare With Other Community Banks?
Texas Competitors
Third Coast Bank competes with numerous Texas financial institutions. These include larger community banks, regional banks, and national financial corporations.
Major competitors can include Frost Bank, Amegy Bank, Prosperity Bank, Independent Bank, and other institutions with strong Texas commercial banking operations.
Each institution differs in branch coverage, account requirements, lending products, technology, fees, and business services.
Community Banking Differences
Community banks generally emphasize local relationships and market knowledge. Larger banks often provide wider geographic coverage and more extensive technology platforms.
Customers comparing financial institutions should consider the services they actually need rather than choosing solely according to bank size.
Readers researching other financial institutions can also explore Bank of Oak Ridge, another community-focused institution with a different regional market and ownership structure.
How Can You Contact Third Coast Bank?
Customer Service
The main telephone number commonly associated with the institution is 281-446-7000. Customers can use official contact channels for account questions, online banking assistance, branch information, and other support.
Customers should avoid sharing passwords, PINs, or verification codes through ordinary email or unexpected communications.
Branch Assistance
Customers who need assistance with account services can visit an appropriate branch. Current branch hours and locations should be confirmed through the official location directory before traveling.
This is particularly useful for services requiring identification or in-person verification.
Frequently Asked Questions
What Is The Third Coast Bank Routing Number?
The commonly reported routing number is 113122747. Customers should verify current routing information before initiating direct deposits, ACH payments, or other electronic transactions.
Who Owns Third Coast Bank?
Third Coast Bancshares, Inc. is the holding company for Third Coast Bank SSB. Third Coast Bancshares trades publicly on Nasdaq under the ticker TCBI.
Is Third Coast Bank FDIC Insured?
Yes, the institution is FDIC insured under certificate number 58537. Eligible deposits receive federal insurance within applicable coverage limits.
Does Third Coast Bank Have Online Banking?
Yes, the institution provides online banking for personal and business customers. Services include account management, transfers, Bill Pay, and various commercial cash management functions.
Where Is Third Coast Bank Based?
The institution is headquartered in the Houston metropolitan area of Texas. Its banking operations also extend into the Austin and Dallas-Fort Worth markets.
Final Takeaways
Third Coast Bank is a Texas community bank founded in 2008 with a strong emphasis on commercial banking and relationship-based financial services. Its operations have expanded from the Houston area into additional major Texas metropolitan markets.
The institution provides personal and business deposits, commercial lending, mortgages, treasury management, online banking, mobile banking, and other financial services. Its primary routing number is commonly reported as 113122747, while its FDIC certificate number is 58537.
Third Coast Bancshares serves as the publicly traded holding company, with its shares listed on Nasdaq under TCBI. Customers should use official banking channels for current login information, routing instructions, account assistance, branch details, and security-related questions.