Business
Third Coast Bancshares, Inc. Reports 2025 Fourth Quarter and Full Year Financial Results
Third Coast Bancshares, Inc. (NYSE & NYSE Texas: TCBX) (the "Company," "Third Coast," "we," "us," or "our"), the bank holding company for Third Coast Bank (the "Bank"), today reported its 2025 fourth quarter and full year financial results.
About this update from Third Coast Bancshares, Inc.
[{"type":"text","content":"Record Annual Net Income of $66.3 million","length":41,"tagName":"p","attribs":{}},{"type":"text","content":"Record Annual Diluted Earnings Per Share of $3.79","length":49,"tagName":"p","attribs":{}},{"type":"text","content":"Year Over Year Book Value grew 16.8% and Tangible Book Value(1) grew 17.7%","length":74,"tagName":"p","attribs":{}},{"type":"text","content":"HOUSTON, Jan. 21, 2026 /PRNewswire/ -- Third Coast Bancshares, Inc. (NYSE & NYSE Texas: TCBX) (the "Company," "Third Coast," "we," "us," or "our"), the bank holding company for Third Coast Bank (the "Bank"), today reported its 2025 fourth quarter and full year financial results.","length":353,"tagName":"p"},{"type":"text","content":"2025 Fourth Quarter Financial Highlights","length":40,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Return on average assets of 1.36% annualized for the fourth quarter of 2025 compared to 1.41% annualized for the third quarter of 2025 and 1.13% annualized for the fourth quarter of 2024.","length":187,"tagName":"p"}]},{"val":[{"type":"text","content":"Net interest margin remained consistent at 4.10% for the fourth quarter of 2025 and the third quarter of 2025, compared to 3.71% for the fourth quarter of 2024.","length":160,"tagName":"p"}]},{"val":[{"type":"text","content":"Net income for the fourth quarter of 2025 totaled $17.9 million, or $1.21 and $1.02 per basic and diluted share, respectively, compared to $18.1 million, or $1.22 and $1.03 per basic and diluted share, respectively, for the third quarter of 2025 and $13.7 million, or $0.92 and $0.79 per basic and diluted share, respectively, for the fourth quarter of 2024.","length":358,"tagName":"p"}]},{"val":[{"type":"text","content":"Efficiency ratio of 57.90% for the fourth quarter of 2025 compared to 53.03% for the third quarter of 2025 and 58.80% for the fourth quarter of 2024.","length":149,"tagName":"p"}]},{"val":[{"type":"text","content":"Gross loans grew to $4.39 billion as of December 31, 2025, from $4.17 billion reported as of September 30, 2025.","length":112,"tagName":"p"}]},{"val":[{"type":"text","content":"Book value per share and tangible book value per share(1) increased to $33.47 and $32.12, respectively, as of December 31, 2025, compared to $32.25 and $30.91, respective...