Third Coast Bancshares, Inc. has announced its financial results for the second quarter of 2025, reporting a net income of $16.7 million, up from $13.6 million in the first quarter of 2025 and $10.8 million in the second quarter of 2024. The net income available to common shareholders was $15.6 million for this quarter, compared to $12.4 million in the previous quarter. The company achieved a record earnings per share $(EPS)$ of $1.12 and a diluted EPS of $0.96. The bank reported a return on average assets of 1.38% for the second quarter of 2025, compared to 1.17% in the first quarter of 2025 and 0.97% in the second quarter of 2024. The net interest margin improved to 4.22% from 3.80% in the first quarter of 2025 and 3.62% in the same period last year. Total assets have grown significantly, from $2.49 billion in December 2021 to $4.94 billion. Third Coast's efficiency ratio also improved, moving from 74.43% in 2021 to 55.45% this quarter. The company noted a 15.4% increase in net interest income from the first quarter of 2025 and a 27.1% increase from the second quarter of 2024, highlighting its strong financial performance and operational discipline. The results reflect the company's continued growth and profitability trajectory since its IPO in November 2021.