| Metric | Value ($ M) | Q2 FY25 | Q3 FY24 |
|---|---|---|---|
| Revenue | 54.48 | 4.7% | 27.0% |
| Total Income | 54.48 | 4.7% | 27.0% |
| Expenditure | 31.66 | 2.2% | 18.8% |
| PBT | 22.83 | 8.5% | 40.4% |
| Net Profit | 18.06 | 7.8% | 41.3% |
| OPM | 41.90% | 1.44pp | 4.00pp |
| NPM | 33.14% | 0.95pp | 3.36pp |
| EPS | 1.22 | 8.9% | 43.5% |
Third Coast Bancshares Reports Q3 2025 EPS $1.22
04 May 2026 · 4 May, 8:57 am
Summary
Third Coast Bancshares, Inc. reported its 2025 third quarter financial results, featuring a record EPS of $1.22. Net income for the third quarter of 2025 totaled $18.1 million, compared to $16.7 million for the second quarter of 2025 and $12.8 million for the third quarter of 2024. The net interest margin for the third quarter of 2025 was 4.10%, compared to 4.22% for the second quarter of 2025 and 3.73% for the third quarter of 2024. Gross loans increased to $4.17 billion as of September 30, 2025, from $4.08 billion reported as of June 30, 2025.
Key Highlights
- 1
Third Coast Bancshares reported a record EPS of $1.22 and diluted EPS of $1.03 for the third quarter of 2025.
- 2
The company's return on average assets was 1.41% annualized for the third quarter of 2025.
- 3
Net interest margin was 4.10% for the third quarter of 2025, compared to 3.73% for the third quarter of 2024.
- 4
Net income for the third quarter of 2025 totaled $18.1 million, compared to $12.8 million for the third quarter of 2024.
- 5
Gross loans grew to $4.17 billion as of September 30, 2025, from $4.08 billion as of June 30, 2025.
- 6
Book value per share increased to $32.25 as of September 30, 2025, compared to $28.13 as of September 30, 2024.
- 7
Deposits totaled $4.37 billion as of September 30, 2025, an increase of 9.5% from $3.99 billion as of September 30, 2024.
Management Comments
Bart Caraway
This was a defining quarter for TCBX, showcasing our team's relentless focus through the Company's outstanding achievements and financial performance. The recent transfer of our stock to both the New York Stock Exchange and NYSE Texas signifies a strategic transition designed to boost market visibility and offer shareholders increased liquidity. Our total assets, loans, and deposits grew steadily, a true testament to our relationship-banking strategy. By optimizing operating leverage, we not only increased interest and non-interest income but also maintained stable expenses. Our unwavering commitment to delivering exceptional value is highlighted by our record-breaking earnings per share and enhanced returns on average assets. The results of this quarter vibrantly demonstrate the long-standing commitment and passion of the entire TCBX team.”
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