Dallas, Texas--(Newsfile Corp. - October 24, 2025) - Third Coast Bancshares, Inc. (NYSE: TCBX): Stonegate Capital Partners updates their coverage on Third Coast Bancshares, Inc. For 3Q25, Third Coast reported net income of $18.1M, which is up from $16.7M in 3Q24. This was equal to a basic and diluted EPS of $1.22 and $1.03, respectively. The Q/Q increase was primarily attributed to stronger net interest income and higher non-margin loan fees. However, this increase was partially offset by a higher provision for credit losses. We anticipate that the Company will continue prioritizing operational efficiency by sustaining its 1% improvement initiative with our forecast that non-interest expenses will remain stable. This strategy is expected to support Third Coast in the current macroeconomic landscape.

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Key Takeaways:

• Announced definitive agreement to acquire Keystone Bancshares for ~$123 million; pro forma assets >$6 billion with closing targeted for 1Q26.
• Net income rose to $18.1M in 3Q25, with ROAA improving to 1.41% from 1.38% sequentially.
• Net interest margin was 4.10% in 3Q25, versus 4.22% in 2Q25 and 3.73% y/y.

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About Stonegate

Stonegate Capital Partners is a leading capital markets advisory firm providing investor relations, equity research, and institutional investor outreach services for public companies. Our affiliate, Stonegate Capital Markets (member FINRA) provides a full spectrum of investment banking, equity research and capital raising for public and private companies.

Source: Stonegate, Inc.

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