---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-086069"
form_type: "8-K"
ticker: "TCBX"
cik: "0001781730"
company_name: "Third Coast Bancshares, Inc."
filed_at: "2024-07-24T23:59:59+00:00"
generated_at: "2026-05-31T17:03:58.869033+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Third Coast Bancshares reports record EPS $0.70; Q2 net income $10.8M

## Summary
- Net income $10.8M vs $10.4M in Q1; basic EPS $0.70 (record) and diluted $0.63.
- Efficiency ratio improved to 61.39% from 64.11% in Q1.
- Gross loans grew $12M to $3.76B; noninterest-bearing deposits up $40.5M (9.5%).
- Book value per share $26.99, tangible book value $25.60; both up from Q1.
- Opened two de novo branches in Austin and The Woodlands, Texas.

## SEC filing metadata
- accession: 0000950170-24-086069
- form_type: 8-K
- ticker: TCBX
- cik: 0001781730
- company_name: Third Coast Bancshares, Inc.
- filed_at: 2024-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1781730/000095017024086069/0000950170-24-086069-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1781730/000095017024086069/tcbx-20240724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-086069
- JSON: https://secwatch.observer/filing/0000950170-24-086069.json
- Plain text: https://secwatch.observer/filing/0000950170-24-086069.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.