Third Coast Bancshares closes Keystone merger; Keystone has $1.02B assets, $6.25M net income

Third Coast Bancshares, Inc.

Merger effective Feb 1, 2026; Keystone reported $1.02B assets, $807M loans at Dec 31, 2025.
Keystone net income $6.25M in 2025, down from $6.90M in 2024; provision for credit losses surged to $5.57M from $0.88M.
Keystone net interest income $35.3M (+23.6% YoY) on loan growth; deposits rose $70M to $864M.
Third Coast filed pro forma combined financials; merger announced Oct 22, 2025.
Keystone stockholders' equity $104.3M, up from $95.6M; AOCI deficit narrowed.

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