Third Coast Bancshares reported FY 2025 net income of USD 66.3 million, up 39.1%, on income before taxes of USD 82.7 million (+34.9%) and net interest income of USD 195.2 million (+21.4%). Interest income rose 7.8% to USD 354.0 million, while interest expense fell 5.2% to USD 158.8 million; net interest margin was 4.06% (vs. 3.67%) and net interest spread was 3.36% (vs. 2.81%). Noninterest income was USD 13.7 million (+28.5%), driven mainly by service charges and fees of USD 10.8 million (+55.1%), while noninterest expense increased 13.6% to USD 118.5 million. At Dec. 31, 2025, Third Coast Bancshares had total assets of USD 5.34 billion, loans of USD 4.39 billion (+10.8%) and deposits of USD 4.63 billion (+7.3%), with noninterest-bearing deposits of USD 495.0 million (-17.8%). The allowance for credit losses on loans was USD 43.9 million (1.00% of total loans) and nonperforming assets were USD 29.9 million (0.56% of total assets). The company highlighted two 2025 securitizations totaling USD 250.0 million of revolving commercial real estate loans and said it completed its merger with Keystone Bancshares on Feb. 1, 2026, for approximately 2.6 million shares plus USD 20.0 million in cash.

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