Earnings summaries and quarterly performance for Third Coast Bancshares.
Executive leadership at Third Coast Bancshares.
Bart Caraway
Detailed
Chairman, President and Chief Executive Officer
CEO
AD
Audrey Duncan
Detailed
Senior Executive Vice President and Chief Credit Officer
BB
Bill Bobbora
Detailed
Executive Vice President and Chief Banking Officer
CP
Christopher Peacock
Detailed
Executive Vice President and Chief Retail Officer
LE
Liz Eber
Detailed
Executive Vice President and Chief Legal Officer
RJ
R. John McWhorter
Detailed
Senior Executive Vice President and Chief Financial Officer
VA
Vicki Alexander
Detailed
Executive Vice President and Chief Risk and Operations Officer
Board of directors at Third Coast Bancshares.
CB
Carolyn Bailey
Detailed
Director
DP
David Phelps
Detailed
Director
DB
Dennis Bonnen
Detailed
Director
DB
Donald Brunson
Detailed
Director
GB
Greg Bonnen
Detailed
Director
JS
Joseph Stunja
Detailed
Director
LE
Lynn Eisenhart
Detailed
Director
MB
Martin Basaldua
Detailed
Lead Independent Director
MS
Mary Stich
Detailed
Director
RS
Reagan Swinbank
Detailed
Director
SM
Shelton McDonald
Detailed
Director
TS
Tony Scavuzzo
Detailed
Director
TG
Troy Glander
Detailed
Director
Research analysts who have asked questions during Third Coast Bancshares earnings calls.
Bernard Von Gizycki
Deutsche Bank
8 questions for TCBX
Also covers: CMA, EWBC, FCNCA +8 more
David Storms
Stonegate Capital Partners
6 questions for TCBX
Also covers: ACOG, AMTX, ARLP +19 more
MO
Matt Olney
Stephens Inc.
6 questions for TCBX
Also covers: BFST, BOKF, BSVN +20 more
MR
Michael Rose
Raymond James Financial, Inc.
6 questions for TCBX
Also covers: AMTB, BFST, BKU +25 more
WL
Woody Lay
Keefe, Bruyette & Woods (KBW)
6 questions for TCBX
Also covers: AMTB, BKU, BMRC +13 more
DS
Dave Storms
Stonegate
2 questions for TCBX
Also covers: HOFT
WL
Wood Lay
Keefe, Bruyette & Woods
2 questions for TCBX
Also covers: AMTB, BKU, BMRC +14 more
BH
Brian Hagler
Kennedy Capital Management
1 question for TCBX
JG
Jordan Gendt
Stephens Inc.
1 question for TCBX
Jordan Ghent
Stephens Inc.
1 question for TCBX
Also covers: BSVN, HTH, OZK +2 more
Tim Mitchell
Raymond James Financial
1 question for TCBX
Also covers: HTH, OZK, PNFP +1 more
Timothy Mitchell
Raymond James
1 question for TCBX
Also covers: AMTB, BOKF, FSUN +6 more
Recent press releases and 8-K filings for TCBX.
Third Coast Bancshares Shareholders Approve Merger-Related Share Issuance
TCBX
M&A
Proxy Vote Outcomes
- Third Coast Bancshares, Inc. held a special meeting of shareholders on January 23, 2026, to consider proposals related to its Merger Agreement with Keystone Bancshares, Inc..
- Shareholders approved the issuance of Third Coast common stock in connection with the merger, with 8,153,269 votes for, 424,652 votes against, and 821 abstentions.
- This approval, known as the Third Coast Share Issuance Proposal, was required because the issuance of shares exceeds 20% of the currently outstanding shares.
- The completion of the Merger remains subject to the satisfaction or waiver of closing conditions outlined in the Merger Agreement.
3 days ago
Third Coast Bancshares Reports Record Full Year 2025 Results and Provides 2026 Outlook
TCBX
Earnings
Guidance Update
M&A
- Third Coast Bancshares (TCBX) reported record total annual net income of $66.3 million and diluted EPS of $3.79 for the full year 2025, representing a 39% and 36% increase year-over-year, respectively.
- The company achieved significant balance sheet growth in Q4 2025, with gross loans increasing by $230 million (5.5%) to $4.39 billion and total deposits growing by $254 million to $4.6 billion.
- Management provided 2026 guidance, targeting quarterly loan growth of $75-$100 million for an approximate 8% annualized growth rate, and anticipates a $4 million run rate for non-interest income.
- Credit quality improved, with non-accrual loans decreasing by $603,000 in Q4 and $16.7 million for the full year, and the non-performing loans to total loans ratio improving by 3 basis points from the prior quarter.
5 days ago
Third Coast Bancshares Reports Strong Q4 and Full Year 2025 Results, Provides 2026 Outlook
TCBX
Earnings
Guidance Update
M&A
- Third Coast Bancshares (TCBX) reported strong Q4 and full year 2025 financial results, with net income of $17.9 million for Q4 and a record $66.3 million for the full year, marking a 39% increase year-over-year.
- Diluted earnings per share (EPS) reached $1.02 for Q4 and a record $3.79 for the full year, representing a 36% increase from the prior year.
- The company achieved significant balance sheet growth, with gross loans increasing by $230 million (5.5%) in Q4 to $4.39 billion and total deposits growing by $254 million to $4.6 billion.
- Net interest margin (NIM) was 4.10% for Q4 2025, but is projected to be around 3.90% in Q1 2026 due to an anticipated reduction in one-time loan fees.
- The merger with Keystone Bankshares, Inc. is proceeding as planned and is expected to close by the end of Q1 2026, forming a combined $6 billion entity. For 2026, TCBX targets quarterly loan growth of $75-$100 million, aiming for an 8% annualized growth rate.
5 days ago
Third Coast Bancshares Reports Record Q4 and Full-Year 2025 Results, Provides 2026 Outlook
TCBX
Earnings
Guidance Update
M&A
- Third Coast Bancshares reported a record total annual net income of $66.3 million and $3.79 diluted EPS for the full year 2025, representing a 39% and 36% increase year-over-year, respectively.
- The company achieved significant balance sheet growth in Q4 2025, with gross loans increasing to $4.39 billion (up 10.8% year-over-year), total assets reaching $5.34 billion (up 8.1% year-over-year), and total deposits growing to $4.6 billion (up 7.3% year-over-year).
- Credit quality remained strong, with non-accrual loans decreasing by $603,000 in Q4 and $16.7 million for the full year 2025, and the ratio of non-performing loans to total loans improving by 21 basis points year-over-year.
- Net interest margin (NIM) remained consistent at 4.10% for Q4 2025, although the core NIM was 3.90%, with non-interest income seeing a 24% increase over Q3 and a 55% year-over-year rise.
- Management provided a 2026 outlook, targeting quarterly loan growth of $75 million-$100 million and an annualized growth rate of approximately 8%, while progressing with the integration of the Keystone Bancshares merger, expected to close by the end of Q1 2026.
5 days ago
Third Coast Bancshares, Inc. Reports Record 2025 Full Year Financial Results
TCBX
Earnings
Revenue Acceleration/Inflection
- Third Coast Bancshares, Inc. reported record annual net income of $66.3 million and record annual diluted earnings per share of $3.79 for the year ended December 31, 2025.
- For the fourth quarter of 2025, net income totaled $17.9 million and diluted earnings per share were $1.02.
- The company achieved significant balance sheet growth as of December 31, 2025, with total assets increasing 8.1% to $5.34 billion, gross loans growing 10.8% to $4.39 billion, and deposits increasing 7.3% to $4.63 billion compared to December 31, 2024.
- Key financial metrics for the fourth quarter of 2025 included a net interest margin of 4.10% and an efficiency ratio of 57.90%.
5 days ago
Third Coast Bancshares Reports Record 2025 Annual Financial Results
TCBX
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Third Coast Bancshares achieved record annual net income of $66.3 million and record annual diluted earnings per share of $3.79 for the year ended December 31, 2025.
- For the fourth quarter of 2025, the company reported net income of $17.9 million and diluted earnings per share of $1.02.
- As of December 31, 2025, gross loans grew by 10.8% to $4.39 billion and deposits increased by 7.3% to $4.63 billion year-over-year.
- Book value per share grew 16.8% and tangible book value per share grew 17.7% year-over-year as of December 31, 2025.
5 days ago
Third Coast Bancshares, Inc. Announces Acquisition of Keystone Bancshares, Inc.
TCBX
M&A
- Third Coast Bancshares, Inc. (TCBX) entered into an Agreement and Plan of Reorganization on October 22, 2025, to acquire Keystone Bancshares, Inc..
- The acquisition will involve a multi-step merger process, with Keystone ultimately becoming a wholly owned subsidiary of TCBX and Keystone Bank merging into Third Coast Bank.
- Keystone shareholders will receive 0.45925 shares of TCBX Common Stock for each share of Keystone Stock, with a limited cash election option where the aggregate cash consideration is capped at $20,000,000.
- The Exchange Ratio is subject to reduction if Keystone does not deliver a minimum of $94,576,000 in capital, surplus, and retained earnings less intangible assets.
- The agreement includes a termination date of September 30, 2026, which can be extended by mutual agreement, and can also be terminated due to regulatory disapproval or a material adverse change.
Oct 27, 2025, 8:30 PM
Third Coast Bancshares Reports Strong Q3 2025 Results and Announces Merger Agreement
TCBX
Earnings
M&A
Guidance Update
- Third Coast Bancshares reported Q3 2025 net income of $16.9 million, an 8.3% increase quarter-over-quarter, achieving a return on average assets (ROA) of 1.41% and a 15.1% return on equity (ROE). The company also surpassed $5 billion in total assets for the first time.
- The company's efficiency ratio improved to 53.05% for the third quarter , while the net interest margin declined to 4.10%, with a forecast of 3.90% to 3.95% for Q4 2025.
- Third Coast Bancshares entered a definitive merger agreement with Keystone Bancshares Inc., expected to close in Q1 2026, which will result in a combined entity with pro forma total assets exceeding $6 billion.
- Management expects loan growth targets of $50 million-$100 million in Q4 2025 and is looking at a third securitization transaction, likely in Q1 2026.
Oct 23, 2025, 3:00 PM
TCBX Reports Strong Q3 2025 Results and Announces Merger with Keystone Bancshares
TCBX
Earnings
M&A
Guidance Update
- Third Coast Bancshares reported net income of $16.9 million for Q3 2025, an 8.3% increase from the previous quarter, achieving an annualized Return on Average Assets (ROAA) of 1.41%.
- The company announced a definitive merger agreement with Keystone Bancshares Inc., anticipated to close in Q1 2026, which is expected to create a combined entity with pro forma total assets exceeding $6 billion.
- For Q3 2025, total assets surpassed $5 billion for the first time, and the efficiency ratio improved to 53.05%.
- Management forecasts a Q4 2025 net interest margin between 3.90% and 3.95% and targets loan growth of $50 million to $100 million for the quarter.
Oct 23, 2025, 3:00 PM
Third Coast Bancshares, Inc. Reports Record Q3 2025 Earnings
TCBX
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Third Coast Bancshares, Inc. reported record basic earnings per share of $1.22 and diluted earnings per share of $1.03 for the third quarter of 2025, with net income totaling $18.1 million.
- The company achieved an improved efficiency ratio of 53.03% and an increased return on average assets of 1.41% annualized for the third quarter of 2025.
- Gross loans grew to $4.17 billion and deposits totaled $4.37 billion as of September 30, 2025, reflecting quarter-over-quarter growth.
- Book value per share increased to $32.25 and tangible book value per share to $30.91 as of September 30, 2025.
- The company also transferred its common stock listing to the New York Stock Exchange and NYSE Texas.
Oct 22, 2025, 8:15 PM
Quarterly earnings call transcripts for Third Coast Bancshares.
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