Core Insights - Third Coast Bancshares, Inc. reported a net income of $13.6 million for Q1 2025, nearly unchanged from $13.7 million in Q4 2024, resulting in basic and diluted EPS of $0.90 and $0.78 respectively [1][7] - The stability in net income was primarily due to higher net interest income, supported by steady loan growth and strong asset quality, although this was partially offset by increased provisions for credit losses and rising operational expenses [1][7] - The company is expected to continue focusing on operational efficiency through a 1% improvement initiative, despite anticipated impacts from securitization [1] Financial Metrics - The net interest margin for Q1 2025 was reported at 3.80%, an increase from 3.71% in Q4 2024 [7] - Gross loans reached $3.99 billion as of March 31, 2025 [7] - The efficiency ratio for the quarter was 61.23%, up from 58.80% in the previous quarter [7]

Third Coast Bancshares, Inc. (NASDAQ:TCBX) Q1 2025 Results Conference Call April 24, 2025 11:00 AM ET Company Participants Natalie Hairston - IR Bart Caraway - Chairman, President & Chief Executive Officer John McWhorter - Chief Financial Officer Audrey Duncan - Chief Credit Officer Conference Call Participants Woody Lay - KBW Bernard Von Gizycki - Deutsche Bank Michael Rose - Raymond James Matt Olney - Stephens Dave Storms - Stonegate Operator Greetings, and welcome to the Third Coast Bancshares First Quar ...

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 TCBX@dennardlascar.com FOR IMMEDIATE RELEASE Third Coast Bancshares, Inc. Reports 2025 First Quarter Financial Results Year-over-Year Net Income Improved 31% and Diluted EPS increased 28% Net Interest Margin Expands to 3.80% and Book Value Per Share Increases HOUSTON – April 23, 2025 – Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the "Company," "Third Coast," "we," "us," or "our"), the bank hol ...

Year-over-Year Net Income Improved 31% and Diluted EPS increased 28% Net Interest Margin Expands to 3.80% and Book Value Per Share IncreasesHOUSTON, April 23, 2025 /PRNewswire/ -- Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the "Company," "Third Coast," "we," "us," or "our"), the bank holding company for Third Coast Bank (the "Bank"), today reported its 2025 first quarter financial results.Year to Date Financial Highlights Return on average assets of 1.17% annualized for the first quarter of 2025 compared ...

Core Viewpoint - Third Coast Bank has successfully originated a $200 million revolving commercial real estate loan, marking a significant achievement for the organization and enhancing its financial position through improved risk management and capital efficiency [1][7]. Group 1: Loan Details - The $200 million mortgage loan is secured by a portfolio of eleven Residential Master Planned Communities under development in the Houston, Dallas, and Austin metropolitan areas of Texas [2]. - EJF Capital LLC, a global alternative asset management firm with approximately $5.4 billion in assets under management as of December 31, 2024, arranged the securitization transaction related to the mortgage loan [2][10]. Group 2: Securitization Process - Following the loan origination, Third Coast Bank created participation interests in the mortgage loan, selling one to EJF CRT 2025-1 Depositor LLC, which then sold it to EJF CRT 2025-1 LLC [3]. - The Issuer pledged its participation interests to U.S. Bank Trust Company, National Association, and issued Asset-Backed Notes, including Class A-1 and Class M-1 Notes, with the Class A-1 Notes sold to the Bank [4]. Group 3: Financial Impact - The transactions are expected to reduce the Bank's risk-weighted assets and the ratio of loans for construction and land development to total capital, which is a measure used by regulators to assess loan concentration risk [6]. - The Company believes these transactions will enhance the diversity of the Bank's on-balance sheet loan portfolio [6]. Group 4: Leadership Commentary - Bart Caraway, President & CEO of Third Coast Bank, expressed pride in the team's efforts to complete the first securitization, highlighting its importance in strengthening the Bank's financial position and opening new opportunities for customer service [7].

Regulatory and Compliance Risks - The company anticipates increased regulatory scrutiny and new regulations, which may increase costs and reduce profitability [211]. - Changes in accounting standards or regulatory interpretations could materially impact the company's financial statements and disclosures [200]. - The company is subject to extensive regulations that govern operations, including minimum capital requirements and limitations on business activities, which could adversely affect results of operations [236]. - The ongoing implementation of the Dodd-Frank Act may impact the profitability of business activities and require significant management resources to comply with new regulatory requirements [237]. - The Company must receive federal and state regulatory approvals for strategic acquisitions and expansion plans, which may not be granted on acceptable terms [243]. - The Bank Secrecy Act and anti-money laundering regulations require the Company to maintain effective compliance programs, with potential penalties for deficiencies [247]. - The Company faces risks related to consumer protection laws, including the Community Reinvestment Act, which could lead to sanctions if not complied with [249]. - The conversion to a Texas banking association subjects the Bank to new examination and reporting requirements, potentially increasing operational costs [242]. - The company is subject to complex laws regarding privacy and data protection, and any violations could damage its reputation and financial condition [244]. - The company services most of its own loans, which are subject to increasing regulatory scrutiny, potentially leading to higher compliance costs and risks of noncompliance [253]. - The Federal Reserve may require the company to commit capital resources to support its subsidiary bank, which could adversely impact financial condition and operational results [255]. - The company is subject to extensive regulations, including the Foreign Corrupt Practices Act (FCPA), which could lead to serious legal and reputational consequences if not complied with [251]. - The company faces uncertainties and risks associated with its operations, as detailed in the risk factors section of its filings [275]. Economic and Market Conditions - Inflationary pressures have risen in 2022 and continued into 2023 and 2024, potentially increasing credit risk for the company [212]. - Economic conditions in primary markets, such as Greater Houston and Dallas-Fort Worth, significantly impact the company's operations and financial results [216]. - A significant portion of the company's business is generated from the Greater Houston market, which is vulnerable to natural disasters like hurricanes, potentially leading to decreased revenue and increased loan losses [217]. - Market conditions, such as uncertain regulatory environments and changing interest rates, could negatively impact the banking industry and the company's operations [222]. - The ability to assess customer creditworthiness is complicated by economic conditions, potentially leading to increased loan delinquencies and nonperforming assets [223]. - Climate change may result in more frequent extreme weather events, adversely affecting the operations and creditworthiness of customers, which could decrease revenues and increase credit risk [218]. - Legislative initiatives aimed at mitigating climate change may impose additional costs and operational changes on the company, impacting its financial condition [219]. Operational and Technological Risks - The company maintains internal controls to mitigate operational risks, but failures could adversely affect business and financial results [203]. - Cybersecurity risks are heightened due to reliance on third-party systems, which could disrupt operations and adversely affect financial condition if breaches occur [226]. - The company faces challenges in keeping pace with technological changes, which are essential for competitiveness in the financial services industry [232]. - Larger competitors may have greater resources for technological improvements, potentially putting the company at a competitive disadvantage [233]. - The development and use of artificial intelligence (AI) presents risks that may adversely impact the Company's business, including legal and regulatory uncertainties [234]. Environmental and Social Governance (ESG) Concerns - Increasing scrutiny regarding environmental, social, and governance (ESG) practices may lead to higher compliance costs and affect the company's reputation and stock price [220]. - The company may face significant environmental liabilities related to real estate properties acquired or foreclosed upon [205]. Financial Position and Capital Structure - The company had $80.8 million in subordinated debentures and $30.9 million in outstanding senior debt as of December 31, 2024, indicating significant leverage [266]. - As of December 31, 2024, the company's directors and executive officers owned approximately 10.24% of common stock, potentially influencing corporate governance and decision-making [265]. - The company has the authority to issue up to 1,000,000 shares of preferred stock, which could affect common stockholders' rights and market price [267]. - The company's ability to pay dividends is dependent on the Bank's cash flow, which is restricted by federal regulations requiring certain capital levels [268]. - The market price of the company's common stock may be subject to substantial fluctuations due to various factors, including economic conditions and regulatory changes [259]. - The company may issue additional common stock or securities in the future, which could dilute existing shareholders' ownership and affect market prices [261]. - The company has provisions in Texas law that may delay or prevent acquisitions or changes in control due to restrictions on business combinations [270]. - The bylaws require that any shareholder claims must be brought in Harris County, Texas, which may increase litigation costs for shareholders not residing nearby [273]. - The company’s common stock is not insured or guaranteed by the FDIC, posing a risk of total investment loss for shareholders [276]. - The return on investment in the company's common stock is uncertain, with potential for substantial loss [275]. - The company has exclusive federal jurisdiction over suits related to the Exchange Act, which may affect the enforcement of its exclusive forum provision [272]. - The bylaws empower the board of directors to issue preferred stock without shareholder approval, potentially impacting shareholder rights [273]. - The company’s bylaws eliminate cumulative voting in director elections, which may limit shareholder influence [273]. - The company is subject to ongoing regulatory requirements for any party seeking to acquire control, which could delay acquisitions [270]. - The company’s bylaws require a 50% shareholder request to call special meetings, potentially limiting shareholder engagement [273].

Group 1 - The banking sector has faced significant challenges due to turbulent economic conditions, including inflation and interest rate hikes, leading to events such as the SVB collapse and a banking crisis in H123 [1] - Borrowing issues and deposit runs peaked during this period, indicating a severe impact on the banking industry [1] Group 2 - The logistics sector has been a focus for investment, with a particular interest in banks, telecommunications, and hotels, reflecting a diversified investment strategy [1] - The analyst has experience in both the ASEAN and US markets, indicating a broad geographical investment approach [1]

Group 1 - The article highlights Third Coast Bancshares (NASDAQ: TCBX) as an attractive investment opportunity within the financial sector [1] - Crude Value Insights focuses on cash flow and companies in the oil and natural gas industry, emphasizing value and growth prospects [1] - The service offers subscribers access to a 50+ stock model account and in-depth cash flow analyses of exploration and production firms [2]

Stonegate Updates Coverage on Third Coast Bancshares, Inc. (TCBX) Q4 2024January 27, 2025 9:44 AM EST | Source: Reportable, Inc. Dallas, Texas--(Newsfile Corp. - January 27, 2025) - Third Coast Bancshares, Inc. (NASDAQ: TCBX): Stonegate Capital Partners updates their coverage on Third Coast Bancshares, Inc. For 4Q24, Third Coast reported net income of $13.7M, up from $12.8M in 3Q24. This was equal to a basic and diluted EPS of $0.92 and $0.79, respectively. The Q/Q growth was primarily attribu ...

Third Coast Bancshares, Inc. (NASDAQ:TCBX) Q4 2024 Earnings Conference Call January 23, 2025 11:00 AM ET Company Participants Natalie Hairston - IR Bart Caraway - Chairman, President & CEO John McWhorter - CFO Audrey Duncan - CCO Conference Call Participants Woody Lay - KBW Bernard Von Gizycki - Deutsche Bank Tim Mitchell - Raymond James Jordan Ghent - Stephens Inc Dave Storms - Stonegate Capital Partners Brian Hagler - Kennedy Capital Management Operator Greetings and welcome to the Third Coast Bank Fourth ...