Third Coast Bancshares net income rises 33.7% to $20.8M on Keystone merger

Filed August 4, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 5, 2025 · ~1 min read

Key Changes

• high

  Net income increased 33.7% to $20.8M, driven by the February 2026 Keystone merger that lifted total assets to $6.74B and loans to $5.44B.

  MD&A: Keystone merger verify on EDGAR →
• high

  Net interest margin compressed to 3.75% from 4.02% as loan yields fell 67 basis points to 7.03%, partially offset by lower deposit costs.

  MD&A: Net interest margin verify on EDGAR →
• medium

  Borrowing capacity expanded: FHLB availability up to $870.3M and senior debt line increased to $70.0M, with $60.4M outstanding.

  MD&A: Liquidity verify on EDGAR →