Third Coast Bancshares Q1 net income $16.4M; completes Keystone merger adding $1B assets

Third Coast Bancshares, Inc.

2026-Q1 EPS reported $0.88

Net income of $16.4M ($0.88 diluted EPS) vs. $13.6M ($0.78) in Q1 2025; merger-related costs cut $3.3M pre-tax.
Completed Keystone merger on Feb 1, 2026, adding ~$812M loans, $1B assets, and $844M deposits.
Gross loans grew to $5.25B at March 31, 2026 from $4.39B at Dec 31, 2025.
Net interest margin of 3.67% vs. 4.10% in Q4 2025; efficiency ratio 66.06% vs. 57.90% in Q4 2025.

item 2.02 item 7.01 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.9

Third Coast Bancshares, Inc. reported the quarter ended March 31, 2026 results: net income $16.4 million, EPS $1.03 and $0.88 per basic and diluted share, respectively.

Period: the quarter ended March 31, 2026
Net income: $16.4 million
EPS: $1.03 and $0.88 per basic and diluted share, respectively
Result: reported results

Exact text from the filing

3.67% for the first quarter of 2026 compared to 4.10% for the fourth quarter of 2025 and 3.80% for the first quarter of 2025. • Net income for the first quarter of 2026 totaled $16.4 million, or $1.03 and $0.88 per basic and diluted share, respectively, compared to $17.9 million, or $1.21 and $1.02 per basic and diluted share, respectively, for the fourth quarter of

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Source: SEC EDGAR

accession 0001193125-26-170491

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