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Third Coast Bancshares Releases 2025 Financial Results

HOUSTON, January 21, 2026 - Third Coast Bancshares, Inc. (NYSE: TCBX), the parent company of Third Coast Bank, has shared its fourth quarter and full-year financial results for 2025, highlighting the company's outstanding earnings and robust operational metrics.

Key Financial Achievements

For the fiscal year ending December 31, 2025, Third Coast reported:

• - Net Income: $66.3 million, translating to $4.45 and $3.79 per basic and diluted share, respectively, a significant increase compared to $47.7 million or $3.14 and $2.78 per share in 2024.
• - Total Assets: Reached $5.34 billion, a rise of $398.3 million, representing an 8.1% increase from $4.94 billion in 2024.
• - Gross Loans: Expanded to $4.39 billion, up $428.3 million from 2024, showcasing a 10.8% growth.
• - Deposits: Increased by $316.4 million for an overall total of $4.63 billion, marking a 7.3% growth compared to the previous year.

For the fourth quarter of 2025 alone:

• - Net Income: Registered at $17.9 million, with earnings per share calculated at $1.21 and $1.02 for basic and diluted shares, respectively.
• - Return on Average Assets: Maintained at 1.36% annualized, illustrating stable performance.
• - Net Interest Margin: Consistent at 4.10% from the previous quarter, a rise from 3.71% in the same quarter of the previous year.

Performance Metrics

This performance is reflective of Third Coast Bancshares' strategic focus on growth and stability. Bart Caraway, Founder, Chairman, and CEO, stated, "We are extremely proud of our achievements in 2025, particularly in loan growth and maintained net interest margins, indicating our successful execution of the business strategy."

• - Efficiency Ratio: Recorded at 57.90% for the fourth quarter, indicating effective management of operating costs.
• - Noninterest Income: Increased to $4.3 million, primarily due to higher non-margin loan fees.

The comprehensive strategic plan of Third Coast has been affirmed through tangible growth metrics, demonstrating resilience in competitive banking environments.

Asset Quality

As of December 31, 2025, the bank maintained a strong focus on asset quality, with nonperforming loans reducing to 0.49% of total loans, down from 0.70% in the previous year. The allowance for credit losses was $43.9 million, representing 1.00% of loans outstanding. This strategic management of asset quality highlights Third Coast's capability to navigate economic uncertainties.

Looking Ahead

With an eye on future expansion, Third Coast Bancshares has transferred its common stock listing to the larger New York Stock Exchange and NYSE Texas. As they look toward 2026, the bank aims to capitalize on its expanded presence and bolster operational efficiencies within key Texas metropolitan markets.

The company will hold a conference call to discuss these results further on January 22, 2026, at 11:00 AM ET, where Bart Caraway and other executives will elaborate on strategies and future expectations.

About Third Coast Bancshares, Inc.

Founded in 2008, Third Coast Bancshares, Inc. operates primarily within the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio areas, providing a full range of banking services through its subsidiary, Third Coast Bank. With a focus on community banking, the institution maintains a dedication to creating value for its customers and stakeholders.

For further information, access the official website at Third Coast Bank.