8-K current report · filed Apr 22, 2026

Third Coast Bancshares, Inc. (TCBX) 8-K Current Report: April 22, 2026

Item 2.02Item 7.01Item EX-99.1TCBX overview

Short answer

Third Coast Bancshares, Inc. (TCBX) filed an 8-K current report with the SEC on April 22, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.1). Q1 2026 results for quarter ended March 31, 2026.

Third Coast Bancshares, Inc. 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • Q1 2026 results for quarter ended March 31, 2026
  • Press release issued April 22, 2026
  • Detailed financial figures furnished in Exhibit 99.1

Item 7.01 · Regulation FD Disclosure

  • Investor call and webcast scheduled for April 23, 2026, at 10:00 a.m. Central Time
  • Discussion covers financial results for quarter ended March 31, 2026
  • Exhibit 99.2 contains additional financial-results information for analysts and investors

Item EX-99.1 · Exhibit EX-99.1

  • Q1 2026 net income $16.4M, diluted EPS $0.88, down from $1.02 in Q4 despite merger-driven scale expansion
  • Keystone merger added approximately $1B assets, $812M loans, and $844.2M deposits, materially enlarging the franchise
  • Loans grew 19.5% to $5.25B and deposits 23.5% to $5.72B, supporting future revenue but increasing integration demands
  • Net interest margin compressed to 3.67% from 4.10%, while net interest income rose 25.3% year over year to $53.6M
  • Merger costs reduced pre-tax earnings approximately $3.3M; efficiency ratio worsened to 66.06% from 57.90% and nonperforming loans reached 0.68% of loans

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