Overall, the earnings call highlighted Third Coast Bancshares' strong financial performance, successful securitization strategy, and robust loan growth, positioning it among the top-performing banks. However, challenges were noted in credit quality with increases in nonperforming loans and net charge-offs. The bank remains optimistic about future growth and maintaining credit discipline.

Company Guidance -

Q3 2025

During the Third Coast Bancshares Second Quarter Earnings Conference Call, management provided detailed updates on the company's performance and future outlook. The bank reported a 25% increase in net income to $15.6 million, resulting in a return on assets (ROA) of 1.38% and a return on equity (ROE) of 14.7%. Net interest income rose by 15.4%, attributed in part to two securitization transactions that generated approximately $2 million in fee income. The bank's loan portfolio grew by $91.7 million in the second quarter, with an annualized growth rate of 21.1% since 2021. The net interest margin improved to 4.22%, with projections for the third and fourth quarters ranging from 3.90% to 3.95%. Despite a slight increase in nonperforming loans, asset quality remained strong, with a decline in nonaccrual loans by $3.7 million. The bank's efficiency ratio improved to 55.45%, down from 61.39% a year ago. Looking ahead, Third Coast plans to maintain robust loan growth, optimize net interest margins, and uphold superior credit quality while strategically navigating the financial services landscape.

Successful Securitization Deals

Closed two securitization deals this quarter, reducing risk-weighted assets and lowering construction concentrations. Nominated for North American Transaction of the Year and North American Issuer of the Year at the 2025 SCI Risk Sharing Award Ceremony.

Strong Financial Performance

Net income of $15.6 million, up 25% from the first quarter of 2025. Return on assets at 1.38% and return on equity at 14.7%.

Improved Net Interest Margin

Net interest income increased by $6.6 million or 15.4% from the first quarter, with a net interest margin improvement to 4.22%.

Robust Loan Growth

Second quarter loans grew by $91.7 million, with a compound annual growth of 21.1% since public debut. Loan demand remains strong, with loans up $50 million in July.

Enhanced Efficiency Ratio

Improved efficiency ratio to 55.45% in the second quarter, down from 61.39% a year ago.

Third Coast Bancshares (TCBX) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

TCBX Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.84 / -	0.74	―	―	―
Jul 23, 2025	2025 (Q2)	0.76 / 0.96	0.63	52.38% (+0.33)	―
Apr 23, 2025	2025 (Q1)	0.71 / 0.78	0.61	27.87% (+0.17)	―
Jan 22, 2025	2024 (Q4)	0.68 / 0.79	0.57	38.60% (+0.22)	―
Oct 23, 2024	2024 (Q3)	0.55 / 0.74	0.32	131.25% (+0.42)	―
Jul 24, 2024	2024 (Q2)	0.56 / 0.63	0.53	18.87% (+0.10)	―
Apr 24, 2024	2024 (Q1)	0.51 / 0.61	0.55	10.91% (+0.06)	―
Jan 25, 2024	2023 (Q4)	0.47 / 0.57	0.44	29.55% (+0.13)	―
Oct 25, 2023	2023 (Q3)	0.49 / 0.32	0.49	-34.69% (-0.17)	―
Jul 26, 2023	2023 (Q2)	0.50 / 0.53	0.16	231.25% (+0.37)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

TCBX Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$36.27	$37.28	+2.78%
Apr 23, 2025	$30.51	$29.08	-4.69%
Jan 22, 2025	$33.36	$35.08	+5.16%
Oct 23, 2024	$27.67	$29.27	+5.78%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Third Coast Bancshares Inc (TCBX) report earnings?

Third Coast Bancshares Inc (TCBX) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Third Coast Bancshares Inc (TCBX) earnings time?

Third Coast Bancshares Inc (TCBX) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is TCBX EPS forecast?

TCBX EPS forecast for the fiscal quarter 2025 (Q3) is 0.84.

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