Third Coast Bancshares (TCBS) Reports Q4 Profit Growth

Third Coast Bancshares (TCBS) reports fourth-quarter net income rose to $7.2 million, up 12% year-over-year, driven by higher net interest income and improved loan demand. The Houston-based bank cited strong commercial lending activity and disciplined expense management for the gain. Net interest income climbed to $23.5 million in Q4 2025, a 9% increase from $21.6 million in the same period of 2024. Total loans grew to $1.8 billion, up 7% year-over-year, while nonperforming assets remained low at 0.43% of total assets. The company maintained its quarterly dividend at $0.30 per share. For full-year 2025, Third Coast posted net income of $27.8 million, compared to $25.1 million in 2024. Asset quality metrics remained solid, with a Tier 1 capital ratio of 14.3%, above regulatory requirements. Management noted optimism in regional economic conditions supporting continued lending growth in 2026.