Third Coast Bancshares, Inc.

Third Coast Bancshares, Inc. reported net income of $66.3 million for fiscal year 2025, with net income available to common shareholders of $61.5 million. The company generated total interest income of $354.0 million, primarily from loans including fees ($316.2 million), and total interest expense of $158.8 million, resulting in net interest income of $195.2 million. After a provision for credit losses of $7.6 million and noninterest income of $13.7 million, the company incurred noninterest expenses of $118.5 million, leading to net income before taxes of $82.7 million. The balance sheet shows total assets of $5.34 billion, with loans net of allowance for credit losses of $4.35 billion and total deposits of $4.63 billion. Cash flow from operations was $50.8 million, while investing activities used $610.2 million primarily for loan originations and securities purchases, and financing activities provided $319.4 million. The company's performance reflects strong loan growth and disciplined expense management.

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