Brian Hagler's questions to Third Coast Bancshares Inc (TCBX) leadership • Q4 2024
Question
Brian Hagler noted the consistent quarterly earnings growth and asked if management expects this trend to continue in 2025, particularly given potential Q1 deposit seasonality.
Answer
Executive John McWhorter expressed strong confidence that earnings growth will continue, stating they 'don't see that stopping anytime soon.' He anticipates future quarters will be better than Q4, supported by a stable margin, controlled expense growth of ~4%, 8% loan growth, and rising fee income. Executive Bart Caraway added that the company's momentum is like a 'flywheel,' with strategic initiatives continuing to pay off. John McWhorter also highlighted optimism around credit quality, expecting charge-offs to remain low.