Third Coast Bancshares (FRA:GL0) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Third Coast Bancshares LT-Debt-to-Total-Asset?

Third Coast Bancshares FRA:GL0 +2.30% 34 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates FRA:GL0 with a GF Score™ of 34/100 and a GF Value™ of €31.33 (Modestly Overvalued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Third Coast Bancshares's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Third Coast Bancshares's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that Third Coast Bancshares is progressively becoming less dependent on debt to grow their business.

Third Coast Bancshares (FRA:GL0) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Third Coast Bancshares LT-Debt-to-Total-Asset Related Terms

Third Coast Bancshares LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Third Coast Bancshares's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Third Coast Bancshares LT-Debt-to-Total-Asset Chart

Third Coast Bancshares Annual Data

Trend

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.00

0.03

0.02

Third Coast Bancshares Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.02	0.02	0.02

34GF Score

Third Coast Bancshares Inc FRA:GL0

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Third Coast Bancshares LT-Debt-to-Total-Asset Calculation

Third Coast Bancshares's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	84.627	/	4561.008
	=	0.02

Third Coast Bancshares's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	86.234	/	5693.493
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Third Coast Bancshares (FRA:GL0) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Third Coast Bancshares and its competitors.

Is Third Coast Bancshares' LT-Debt-to-Total-Asset too high?

Third Coast Bancshares' current LT-Debt-to-Total-Asset is 0.02. Overall, Third Coast Bancshares has a GF Score™ of 34/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Third Coast Bancshares' LT-Debt-to-Total-Asset compare to AROW and HIFS?

Third Coast Bancshares' LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Third Coast Bancshares and its competitors. Third Coast Bancshares's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Third Coast Bancshares stock overvalued right now?

Based on GuruFocus' analysis, Third Coast Bancshares (FRA:GL0) is currently considered Modestly Overvalued. The stock's GF Value™ is €31.33, compared to a current price of €35.60 — trading 13.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Third Coast Bancshares' overall GF Score™ is 34/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Third Coast Bancshares (FRA:GL0), the current LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Third Coast Bancshares (FRA:GL0) Overvalued in 2026?

Based on GuruFocus' analysis, Third Coast Bancshares stock appears to be overvalued. The current stock price of €35.60 is trading 13.6% above its estimated GF Value™ of €31.33. GuruFocus considers Third Coast Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:GL0:

LT-Debt-to-Total-Asset: 0.02
GF Value™: €31.33 vs. price of €35.60 (13.6% above fair value)
GF Score™: 34/100 with 4 warning signs

No single metric tells the full story. See the FRA:GL0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Third Coast Bancshares Business Description

Industry Financial Services Banks

Comparable Companies AROW HIFS PFIS BCAL THVB BHB NPB WASH AMBZ MSBI SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges TCBX:USA

Address 20202 Highway 59 North, Suite 190, Humble, TX, USA, 77338

Website https://www.tcbssb.com

Third Coast Bancshares Inc is a bank holding company. It focuses on providing commercial banking solutions to small and medium-sized businesses and professionals with operations in its markets. The bank operates twenty branches in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets, one branch in Ballinger, Texas, and one branch in Detroit, Texas. The company operates through one segment, community banking, It generates the majority of its revenue from interest on loans, customer service, and loan fees.

34GF Score

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€35.60

Price

€31.33

GF Value

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