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Third Coast Bancshares' Impressive Q3 2025 Performance

Third Coast Bancshares, Inc. (NYSE: TCBX), the holding firm for Third Coast Bank, has announced its outstanding financial results for the third quarter of 2025, culminating in a record earnings per share (EPS) of $1.22. This aligns with the company's dedication to enhancing its financial standing and market visibility following its recent transition to the New York Stock Exchange and NYSE Texas.

Financial Highlights

The key financial metrics for the third quarter of 2025 reveal a striking growth trajectory:

• - Net Income: The company reported net income of $18.1 million, equating to $1.22 per basic and $1.03 per diluted share. This marks a significant increase from $16.7 million in Q2 2025 and $12.8 million in Q3 2024.
• - Return on Assets (ROA): Average ROA stands at 1.41% for Q3 2025, up from 1.38% in the previous quarter, emphasizing robust asset management.
• - Net Interest Margin: Third Coast reported a net interest margin of 4.10%, indicating a small decline from 4.22% in Q2 2025 but an improvement over last year’s figure of 3.73%.
• - Efficiency Ratio: The efficiency ratio also showcased progress, dropping to 53.03% this quarter compared to 55.45% the previous quarter, indicating improved operational efficiency.

Growth in Loans and Deposits

The company's loan portfolio experienced significant growth, reaching $4.17 billion by September 30, 2025, a notable increase from $4.08 billion in June 2025. The growth is primarily attributed to rising commercial and industrial loans, alongside real estate loans. Furthermore, total deposits surged to $4.37 billion, reflecting a 2.1% increase from Q2 2025 and a robust 9.5% from Q3 2024.

Statements from Leadership

Bart Caraway, founder and CEO, articulated his satisfaction with the quarterly results, noting, "This quarter signifies an extraordinary achievement for TCBX, demonstrating our consistent focus on value creation for our shareholders. Our ongoing strategy prioritizes relationship banking, which underpins our asset growth and effective cost management."

The transfer to the NYSE is viewed as a strategic enhancement aimed at boosting market visibility and facilitating an increase in liquidity for shareholders. Caraway emphasized the positive momentum generated by this transition, stating, "The operational performance this quarter reflects our team’s hard work and commitment."

Forward-Looking Statements

While the current figures paint a positive picture, Third Coast Bancshares acknowledges inherent risks involving market conditions and economic trends that could affect future performance. Investors are encouraged to heed forward-looking statements that discuss potential challenges and uncertainties moving forward.

Conclusion

Third Coast Bancshares, Inc. is effectively positioned to continue its growth trajectory, underpinned by a strong financial performance and strategic initiatives aimed at enhancing shareholder value. As investors and stakeholders assess these results, the company's commitment to transparent operations and performance optimization remains a top priority. As always, further updates and commentary on the company's performance will be discussed in their upcoming conference call.

For further details on the financial results and future market strategies, visit Third Coast's Investor Relations page.