Third Coast Bancshares, Inc. (TCBX)

Third Coast Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	195.22	160.76	139.53	116.45	90.55
Net Interest Income Growth	21.44%	15.22%	19.81%	28.60%	33.40%
Non-Interest Income	13.65	10.62	8.21	7.22	4.88
Non-Interest Income Growth	28.55%	29.45%	13.59%	48.07%	81.88%
Revenues Before Loan Losses	208.87	171.38	147.73	123.68	95.43
Provision for Credit Losses	7.59	5.7	6.32	12.2	9.92
Revenue	201.28	165.68	141.41	111.48	85.51
Revenue Growth (YoY)	21.49%	17.16%	26.85%	30.37%	35.70%
Compensation Expenses	77.19	65.12	62.22	56.51	48.64
Selling, General & Admin	30.62	29.15	29.32	22.88	17.06
Other Non-Interest Expenses	10.73	10.06	8.27	8.92	5.33
Total Non-Interest Expense	118.54	104.33	99.8	88.31	71.03
Pretax Income	82.75	61.35	41.61	23.17	14.48
Provision for Income Taxes	16.45	13.68	8.21	4.51	3.06
Net Income	61.54	42.92	28.67	17.24	11.42
Net Income Attributable to Preferred Dividends	4.75	4.75	4.74	1.42	-
Net Income to Common	61.54	42.92	28.67	17.24	11.42
Net Income Growth	43.38%	49.74%	66.26%	50.92%	-5.70%
Shares Outstanding (Basic)	14	14	14	13	8
Shares Outstanding (Diluted)	17	17	17	14	8
Shares Change (YoY)	2.00%	1.52%	22.71%	69.00%	28.58%
EPS (Basic)	4.45	3.14	2.11	1.28	1.45
EPS (Diluted)	3.79	2.78	1.98	1.25	1.40
EPS Growth	36.33%	40.40%	58.40%	-10.71%	-26.70%
Free Cash Flow	48.16	33.37	35.64	9.6	-1.04
Free Cash Flow Growth	44.31%	-6.36%	271.15%	-	-
Free Cash Flow Per Share	2.76	1.95	2.11	0.70	-0.13
Profit Margin	32.93%	28.77%	23.62%	16.74%	13.36%
FCF Margin	23.92%	20.14%	25.20%	8.61%	-1.21%
EBITDA	4.75	4.62	3.95	2.56	-0.27
EBITDA Margin	2.36%	2.79%	2.79%	2.29%	-0.32%
Effective Tax Rate	19.89%	22.30%	19.73%	19.46%	21.12%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q