10-Q quarterly report · filed Nov 4, 2025

Third Coast Bancshares, Inc. (TCBX) Q3 2025 10-Q Quarterly Report

Short answer

Third Coast Bancshares, Inc. (TCBX) filed its Q3 2025 10-Q quarterly report on Nov 4, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $93M (up 11.8% year over year) with net income of $18M.

Q3 2025 key financials · XBRL

Revenue
$93M
+11.8% YoY · +4.3% QoQ
Net income
$18M
+41.3% YoY · +7.8% QoQ
EPS (diluted)
$1.03
+39.2% YoY · +7.3% QoQ

Source: XBRL data from the Third Coast Bancshares, Inc. (TCBX) Q3 2025 10-Q on SEC EDGAR. USD.

Third Coast Bancshares, Inc. Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Risk Factors

  • Newly triggered merger risk from October 22, 2025 Keystone agreement, requiring regulatory and shareholder approvals before expected first-quarter 2026 closing
  • Credit concentration risk from commercial and industrial loans reaching $1.77 billion, or 42.6% of total loans
  • Regulatory risk from Texas Department of Banking becoming the Bank’s primary state regulator following its 2024 conversion
  • Interest-rate risk from deposits averaging $3.89 billion with rates paid declining to 3.98% in the third quarter
  • Liquidity risk from loans equaling 95.3% of deposits as of September 30, 2025

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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