Third Coast Bancshares, Inc.(TCBX)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Third Coast Bancshares, Inc. (TCBX) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores TCBX at 65.9/100 on a 32-signal composite quality model, placing it at rank #455 of 2,960 stocks — the top 25% of the AI-ranked universe. TCBX scores in the top quartile across profitability (90.6), revenue growth (82.0). Areas of concern include earnings quality (18.7) and revenue scale (25.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Third Coast Bancshares, Inc. reports quarterly revenue of $68.0M, net income of $22.0M. Top institutional holders of TCBX by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, ADAGE CAPITAL PARTNERS GP, L.L.C., based on the most recent SEC filings. TCBX trades on the NYSE exchange and files with the SEC under CIK 1781730. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TCBX daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Third Coast Bancshares, Inc. directly from SEC EDGAR.
AI Quality Score
65.9/100
AI Rank
#455
Revenue
$68.0M
Net Income
$22.0M
TCBX key financials by period
Third Coast Bancshares, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$208.9M
$66.3M
39.6%
FY 2024
10-K
$171.4M
$47.7M
35.8%
FY 2023
10-K
$147.7M
$33.4M
28.2%
FY 2022
10-K
$123.7M
$18.7M
18.7%
FY 2020
10-K
$70.6M
$12.1M
22.1%
Institutions holding TCBX
Institutional investors reporting a position in Third Coast Bancshares, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-04 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income rose 31.3% YoY to $22.0M as the Keystone Bancshares merger pushed total assets to $6.74B, but net interest margin compressed to 3.83% from 4.22% and nonperforming assets nearly doubled to $54.4M.
Biggest Revenue Drivers
Net interest income$60.3M+22.1% YoY
Increase driven by growth in loans from the Keystone merger, partially offset by lower loan yields and higher deposit costs
Noninterest income$7.7M+191.2% YoY
Primarily due to the gain on sale of factored receivables and increased service charges and fees
Biggest Revenue Drivers
Total revenue: $68.0M+30.7% YoY
Net interest income$60.3M+22.1% YoY
Increase driven by growth in loans from the Keystone merger, partially offset by lower loan yields and higher deposit costs
Noninterest income$7.7M+191.2% YoY
Primarily due to the gain on sale of factored receivables and increased service charges and fees
Within Noninterest income
Gain on sale of factored receivables$3.5M
Gain from the June 25, 2026 sale of substantially all TCCC assets to Gulf Coast Bank & Trust
Service charges and fees$3.2M+49.4% YoY
Largest Expense Items
Salaries and employee benefits$24.8M+36.4% YoY
Merger-related expenses, increased salary expense from new hires, and increased bonus expense
Occupancy and equipment expenses$3.3M+17.1% YoY
Legal and professional fees$2.3M+17.9% YoY
Increase primarily due to expenses related to the Keystone Merger
Margins: Net interest margin fell to 3.83% from 4.22% YoY and net interest spread fell to 3.25% from 3.52%, as the loan yield dropped to 7.06% from 7.95% faster than the decline in deposit costs (3.41% from 4.00%).
Watch Items from the Filing
Nonperforming assets rose to $54.4M (0.81% of total assets) from $29.9M (0.56%) at year-end 2025, driven by a $17.1M loan transfer to OREO and $10.1M of new nonaccrual relationships.
Allowance for credit losses coverage of nonaccrual loans fell sharply to 248.60% from 434.28% at December 31, 2025, even as the ACL grew to $53.6M.
Commercial & industrial loans grew to 43.6% of the $5.44B total loan portfolio, up from 37.8% at year-end 2025, concentrating credit risk.
TCCC's factoring business was sold to Gulf Coast Bank effective June 25, 2026 for ~$27.5M, producing a one-time $3.5M gain that will not recur in future quarters.
The February 1, 2026 Keystone Bancshares merger added $805.2M in acquired loans and drove $1.39B of asset growth, but generated $4.1M of acquisition-related expenses and diluted net interest margin.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
