Third Coast Bancshares Inc reported net income of USD 17.9 million for the fourth quarter (Q4) of 2025. Basic earnings per share $(EPS)$ for the period stood at USD 1.21, while diluted EPS was USD 1.02. The company’s net interest margin $(NIM)$ remained steady at 4.10% during Q4 2025. Management noted that the merger process remains on track and that the low end of the deposit growth range has been increased. The quarter’s expense levels were impacted by merger-related legal and professional expenses as well as higher salaries and benefits, partially offset by higher net interest income and an increase in non-margin loan fees.

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