{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-170491","form_type":"8-K","ticker":"TCBX","cik":"0001781730","company_name":"Third Coast Bancshares, Inc.","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.893166+00:00","generated_at":"2026-05-15T04:54:54.157558+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Third Coast Bancshares Q1 net income $16.4M; completes Keystone merger adding $1B assets","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-170491","json":"https://secwatch.observer/filing/0001193125-26-170491.json","markdown":"https://secwatch.observer/filing/0001193125-26-170491.md","text":"https://secwatch.observer/filing/0001193125-26-170491.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1781730/000119312526170491/0001193125-26-170491-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1781730/000119312526170491/tcbx-20260422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:54:54.157558+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"1907a3dd72795b0b95eedd23310752562d7c2aef","claim":"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.","evidence_excerpt":"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","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1781730/000119312526170491/0001193125-26-170491-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$16.4 million"},{"label":"EPS","value":"$1.03 and $0.88 per basic and diluted share, respectively"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}