---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-057422"
form_type: "8-K"
ticker: "TCBX"
cik: "0001781730"
company_name: "Third Coast Bancshares, Inc."
filed_at: "2025-04-23T23:59:59+00:00"
generated_at: "2026-05-23T08:19:52.729647+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Third Coast Q1 net income rises 31% YoY to $13.6M; diluted EPS $0.78

## Summary
- Net income $13.6M ($0.78 diluted EPS) vs $10.4M ($0.61) in Q1 2024, up 31% and 28% respectively.
- Net interest margin expanded to 3.80% from 3.60% YoY; ROAA 1.17% vs 0.95%.
- Gross loans $3.99B, up from $3.97B at year-end; book value per share rose to $29.92.
- Bank completed $200M CRE loan securitization on Apr 1, reducing risk-weighted assets and improving capital ratios.

## SEC filing metadata
- accession: 0000950170-25-057422
- form_type: 8-K
- ticker: TCBX
- cik: 0001781730
- company_name: Third Coast Bancshares, Inc.
- filed_at: 2025-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1781730/000095017025057422/0000950170-25-057422-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1781730/000095017025057422/tcbx-20250423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-057422
- JSON: https://secwatch.observer/filing/0000950170-25-057422.json
- Plain text: https://secwatch.observer/filing/0000950170-25-057422.txt

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