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Third Coast Bancshares (TCBX) investor relations material
Third Coast Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Total assets surpassed $5 billion, reaching $5.06 billion as of September 30, 2025, with a 19.3% CAGR since IPO in 2021, driven by organic loan growth and investment security purchases.
Net income for Q3 2025 was $18.1 million, up 8.3% sequentially and 42% year-over-year; nine-month net income reached $48.4 million, a 42.6% increase year-over-year.
Achieved record basic and diluted EPS of $1.22 and $1.03 for Q3 2025, up from prior periods.
Announced a definitive merger agreement with Keystone Bancshares, targeting pro forma assets over $6 billion, expected to close in Q1 2026, subject to regulatory and shareholder approvals.
Transferred stock listing to NYSE and NYSE Texas, enhancing market visibility and liquidity.
Financial highlights
Net interest income for Q3 2025 was $50.8 million, up 3% sequentially and 25.9% year-over-year; for the nine months ended September 30, 2025, it increased 21.9% to $143.0 million.
Net interest margin was 4.10% in Q3 2025, up from 3.73% a year ago; nine-month margin improved to 4.05% from 3.65% year-over-year.
Total loans grew to $4.17 billion, up 2.1% sequentially, 7.1% year-over-year, and 5.0% for the nine months.
Deposits increased to $4.37 billion, up 2.1% sequentially, 9.5% year-over-year, and 1.4% for the nine months, with a shift toward interest-bearing accounts.
Efficiency ratio improved to 53.03% in Q3 2025, down from 55.45% in Q2 and 59.57% in Q3 2024.
Outlook and guidance
Management expects Q4 2025 to be consistent with prior quarters, with loan growth targets of $50–$100 million and margin forecasted between 3.90% and 3.95%.
The Keystone Bancshares merger is expected to close in Q1 2026, with anticipated growth opportunities, cost synergies, and straightforward integration.
Management expects to maintain compliance with all regulatory capital standards and to monitor growth to remain well capitalized.
Explain the Q3 NIM decline despite lower deposit costs?
What is the outlook for the 4 NPL borrowers?
How did efficiency improve with rising expenses?
Describe criteria for future M&A opportunities
Elaborate on Q4 NIM forecast drivers
Detail plans for scaling operations towards $10B
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Next Third Coast Bancshares earnings date
Q4 202522 Jan, 2026
Next Third Coast Bancshares earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Third Coast Bancshares, Inc. is a bank holding company that operates through its subsidiary, Third Coast Bank SSB. The bank provides a range of financial services, including commercial and personal banking, loans, and treasury management solutions. It focuses on serving businesses, professionals, and individuals with tailored banking products, primarily in Texas markets. The company is headquartered in Humble, Texas, and its shares are listed on the NASDAQ.
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