Dallas, Texas--(Newsfile Corp. - July 25, 2025) - Third Coast Bancshares, Inc. (Nasdaq: TCBX): Stonegate Capital Partners updates their coverage on Third Coast Bancshares, Inc. For 2Q25, Third Coast reported net income of $16.8M, which is up from $13.6M in 1Q25. This was equal to a basic and diluted EPS of $1.12 and $0.96, respectively. The Q/Q increase was primarily attributed to higher net interest income, driven by opportunistic securitization of the portfolio and stability in expenses related to salaries, employee benefits, and seasonal expenses. However, this increase was partially offset by a higher provision for credit losses and expenses related to the above-mentioned securitization. We anticipate that the Company will continue prioritizing operational efficiency by sustaining its 1% improvement initiative with our forecast that non-interest expenses will remain stable. This strategy is expected to support Third Coast in the current macroeconomic landscape.

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Key Takeaways:

• Net interest margin expanded to 4.22% in Q2 2025, up from 3.80% in Q1 2025 and 3.62% y/y.
• Net income rose to $16.7 million in Q2 2025, with ROAA improving to 1.38% from 1.17% sequentially.
• Gross loans reached $4.08 billion as of June 30, 2025, while the efficiency ratio improved to 55.45% from 61.23%.

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About Stonegate 

Stonegate Capital Partners is a leading capital markets advisory firm providing investor relations, equity research, and institutional investor outreach services for public companies. Our affiliate, Stonegate Capital Markets (member FINRA) provides a full spectrum of investment banking, equity research and capital raising for public and private companies.

Source: Stonegate, Inc.

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