Curated News
By: NewsRamp Editorial Staff
January 23, 2026
Third Coast Bancshares Shows Strong 4Q25 Results Despite Merger Costs
TLDR
- Third Coast Bancshares maintained a steady 4.10% net interest margin in Q4 2025, offering investors a stable financial performance advantage despite merger expenses.
- Third Coast Bancshares reported Q4 2025 net income of $17.9M with EPS of $1.21, driven by higher net interest income and non-margin loan fees offsetting merger costs.
- Third Coast Bancshares' focus on operational efficiency and deposit growth supports financial stability that benefits customers and communities through reliable banking services.
- Stonegate Capital Partners updated coverage on Third Coast Bancshares, noting the Keystone merger integration is progressing while maintaining steady financial metrics.
Impact - Why it Matters
This financial update matters because Third Coast Bancshares represents a significant regional banking player whose performance indicators provide insights into broader economic trends, particularly in the Texas banking sector where the company operates. For investors, the steady 4.10% net interest margin and improved year-over-year earnings demonstrate resilience in a challenging interest rate environment, while the ongoing Keystone merger integration signals potential future growth opportunities. Banking industry observers should note how merger-related expenses are being managed alongside core profitability metrics, as this reflects strategic execution capabilities that could influence competitive positioning in the regional banking landscape. The analysis from Stonegate Capital Partners offers valuable third-party perspective on a publicly traded financial institution navigating post-merger integration while maintaining fundamental financial strength.
Summary
Stonegate Capital Partners has updated its coverage on Third Coast Bancshares, Inc. (NYSE:TCBX), providing analysis of the company's fourth-quarter 2025 financial performance. Third Coast reported net income of $17.9 million for 4Q25, showing a slight sequential decline from $18.1 million in the previous quarter but a significant year-over-year improvement from $13.7 million in 4Q24. The company achieved basic earnings per share of $1.21 and diluted EPS of $1.02, with the modest quarter-over-quarter decrease primarily attributed to merger-related legal and professional expenses along with higher salaries and benefits. These costs were partially offset by stronger net interest income and increased non-margin loan fees, demonstrating the company's underlying operational strength despite integration challenges.
The financial update reveals several key positive indicators for Third Coast Bancshares, including a steady net interest margin of 4.10% and an increased lower end of the deposit growth range. Stonegate Capital Partners notes that the company's merger with Keystone remains on track, though near-term expense levels may continue to show volatility during the early stages of integration. The capital markets advisory firm anticipates Third Coast will maintain its focus on operational efficiency as it navigates this transitional period. For those seeking comprehensive details, including downloadable images and additional resources, interested parties can click here to access the full announcement through Stonegate's reporting platform.
Stonegate Capital Partners, the firm providing this updated coverage, is a leading capital markets advisory firm offering investor relations, equity research, and institutional investor outreach services for public companies. Their affiliate, Stonegate Capital Markets, provides a complete spectrum of investment banking services including equity research and capital raising for both public and private entities. The announcement was distributed through Reportable, Inc., with contact information provided for Stonegate Capital Partners at (214) 987-4121 or info@stonegateinc.com for further inquiries about their analysis of Third Coast Bancshares' financial performance and strategic direction.
Source Statement
This curated news summary relied on content disributed by Reportable. Read the original source here, Third Coast Bancshares Shows Strong 4Q25 Results Despite Merger Costs
