---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-161692"
form_type: "8-K/A"
ticker: "TCBX"
cik: "0001781730"
company_name: "Third Coast Bancshares, Inc."
filed_at: "2026-04-17T23:59:59+00:00"
generated_at: "2026-05-15T05:34:04.450731+00:00"
event_type: "m_and_a"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-26-161692
- form_type: 8-K/A
- ticker: TCBX
- cik: 0001781730
- company_name: Third Coast Bancshares, Inc.
- filed_at: 2026-04-17T23:59:59+00:00
- event_type: m_and_a
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1781730/000119312526161692/0001193125-26-161692-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1781730/000119312526161692/d306467d8ka.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-161692
- JSON: https://secwatch.observer/filing/0001193125-26-161692.json
- Plain text: https://secwatch.observer/filing/0001193125-26-161692.txt

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