---
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"
generated_at: "2026-05-15T04:54:54.157558+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-170491
- JSON: https://secwatch.observer/filing/0001193125-26-170491.json
- Plain text: https://secwatch.observer/filing/0001193125-26-170491.txt

## Key facts
- Earnings Releases
  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
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1781730/000119312526170491/0001193125-26-170491-index.htm

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