The earnings call highlighted strong financial performance and strategic growth through successful securitization deals and impressive loan and revenue growth. However, there were some concerns regarding increased nonperforming loans and net charge-offs.

Company Guidance

During the Third Coast Bancshares Second Quarter Earnings Conference Call, the company provided a robust set of metrics highlighting its financial success and growth prospects. The net income for the second quarter of 2025 was reported at $15.6 million, marking a 25% increase from the first quarter, with a return on assets of 1.38% and a return on equity of 14.7%. The net interest income rose by 15.4% to $6.6 million, partly due to two securitization transactions contributing approximately $2 million in fee income. Loan growth was strong, with an increase of $91.7 million, and the bank maintained a loan-to-deposit ratio of 95%. Additionally, the company's efficiency ratio improved significantly to 55.45% from 61.39% a year ago. The tangible book value per share increased by $8.75 over the past 3.5 years, reaching $29.69 as of June 30, 2025. The bank's strategic focus on enhancing operational efficiency, strong loan growth, and maintaining superior credit quality positions it well for ongoing success and value creation.

Successful Securitization Deals

Closed the second of two securitization deals this quarter, which reduces risk-weighted assets and lowers 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.

Impressive Financial Growth

Net interest income grew at a compound annual rate of 21.7% while noninterest expenses increased at a lower rate of 10.7%. Tangible book value per share increased by $8.75 over the past 3.5 years, reaching $29.69 by June 30.

Record Loan Growth

Second quarter loans grew by $91.7 million, with a compound annual growth of 21.1% since public debut, expanding from $2.07 billion in December 2021 to $4.08 billion in June 2025.

Strong Return Metrics

Return on average assets improved to 1.38% in Q2 2025, up from 55 basis points in 2021. Return on equity was 14.7%.

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

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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 (TCBX) report earnings?

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

What is Third Coast Bancshares (TCBX) earnings time?

Third Coast Bancshares (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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