Financial Performance - Record net income for 3Q25 reached $368 million[9] - Diluted quarterly earnings per share hit a record of $2.65[9] - Record revenue of $778 million was achieved[12] - Net Interest Income (NII) reached a record of $678 million[12] - Fee income also hit a record at $92 million[12] Balance Sheet Strength - Total customer deposits increased by over $1.5 billion quarter-over-quarter[11] - Total loans increased by over $800 million quarter-over-quarter[11] - The company optimized funding by paying down $500 million of Federal Home Loan Bank (FHLB) advances[11] Asset Quality - Annualized quarterly Net Charge-Offs (NCOs) were at 13bps[11] - Nonperforming assets were at 25bps[11] - The company bolstered its Allowance for Loan Losses (ALLL) to 1.42%[11] Capital Position - Record reported total capital of $8.6 billion was achieved[12] - Common Equity Tier 1 (CET 1) ratio stood at 14.8%[12] - Tangible Common Equity (TCE) ratio was at 10.2%[12]

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].