Third Coast Bancshares, Inc. Wins SCI Transaction of the Year
Third Coast Bancshares (NYSE: TCBX) was named 2025 North American Transaction of the Year by Structured Credit Investor for a landmark synthetic risk transfer (SRT) securitization.
In April 2025 Third Coast completed a $100 million SRT with EJF Capital, the first such deal by a U.S. bank with $5 billion in assets. The transaction reduced commercial real estate concentration risk, improved capital ratios, and generated meaningful non-interest income. Third Coast completed a second securitization in Q2 2025, signaling an expanded balance-sheet optimization strategy for regional and community banking.
Third Coast Bancshares (NYSE: TCBX) è stata nominata Transazione Nord-Americana dell'Anno 2025 da Structured Credit Investor per una cartolarizzazione di trasferimento di rischio sintetico (SRT) all'avanguardia.
Nell'aprile 2025, Third Coast ha completato una SRT da 100 milioni di dollari con EJF Capital, la prima operazione di questo tipo da parte di una banca statunitense con attivi pari a 5 miliardi di dollari. La transazione ha ridotto il rischio di concentrazione nel settore immobiliare commerciale, migliorato i rapporti patrimoniali e generato un significativo reddito non da interessi. Third Coast ha completato una seconda cartolarizzazione nel Q2 2025, indicando una strategia di ottimizzazione del bilancio ampliata per la banca regionale e comunitaria.
Third Coast Bancshares (NYSE: TCBX) fue nombrada Transacción norteamericana del año 2025 por Structured Credit Investor por una securitización de transferencia de riesgo sintético (SRT) emblemática.
En abril de 2025, Third Coast completó una SRT de 100 millones de dólares con EJF Capital, la primera operación de este tipo de un banco estadounidense con activos de 5 mil millones de dólares. La transacción redujo el riesgo de concentración en bienes raíces comerciales, mejoró los coeficientes de capital y generó un significativo ingreso no proveniente de intereses. Third Coast completó una segunda titulización en Q2 2025, señalando una estrategia ampliada de optimización de balance para la banca regional y comunitaria.
Third Coast Bancshares (NYSE: TCBX) 는 Structured Credit Investor 에 의해 2025년 북미 거래상으로 선정되었으며, 상징적인 합성 위험이전(SRT) 유동화에 수여되었습니다.
2025년 4월에 Third Coast 는 EJF Capital 과 함께 1억 달러 규모의 SRT를 완료했으며, 자산이 50억 달러인 미국 은행으로서는 최초의 dergelijke 거래입니다. 이 거래는 상업용 부동산 집중 위험을 감소시키고 자본 비율을 개선했으며 의미 있는 비금리 수익을 창출했습니다. Third Coast 는 2025년 2분기에 두 번째 유채권화를 완료했으며, 지역 및 커뮤니티 뱅킹을 위한 대차대조표 최적화 전략의 확장을 시사했습니다.
Third Coast Bancshares (NYSE: TCBX) a été nommée Transaction nord-américaine de l'année 2025 par Structured Credit Investor pour une titrisation de transfert de risque synthétique (SRT) emblématique.
En avril 2025, Third Coast a mené à bien une SRT d'une valeur de 100 millions de dollars avec EJF Capital, la première opération de ce type pour une banque américaine disposant d'actifs de 5 milliards de dollars. La transaction a réduit le risque de concentration dans l'immobilier commercial, amélioré les ratios de capital et généré un revenu non lié aux intérêts significatif. Third Coast a réalisé une seconde titrisation au 2e trimestre 2025, signe d'une stratégie d'optimisation du bilan élargie pour la banque régionale et communautaire.
Third Coast Bancshares (NYSE: TCBX) wurde von Structured Credit Investor zur Transaktion des Jahres 2025 in Nordamerika benannt für eine bahnbrechende Securitization zum synthetischen Risikotransfer (SRT).
Im April 2025 schloss Third Coast eine SRT über 100 Millionen Dollar mit EJF Capital ab, die erste dieser Art von einer US-Bank mit Vermögenswerten von 5 Milliarden Dollar. Die Transaktion reduzierte das Konzentrationsrisiko im gewerblichen Immobilienbereich, verbesserte die Kapitalquoten und generierte erhebliches Einnahmenvolumen außerhalb der Zinsen. Third Coast absolvierte im 2. Quartal 2025 eine zweite Verbriefung und signalisierte eine erweiterte Bilanzoptimierungsstrategie für regionale und gemeinschaftsorientierte Banken.
Third Coast Bancshares (NYSE: TCBX) تم اختيارها كـ أفضل صفقة في أمريكا الشمالية لعام 2025 من قبل Structured Credit Investor بسبب إصدار ترحيل مخاطر اصطناعية (SRT) رائد.
في أبريل 2025 أكملت Third Coast صفقة SRT بقيمة 100 مليون دولار مع EJF Capital، وهي أول صفقة من نوعها لبنك أميركي يملك أصولاً تبلغ 5 مليارات دولار. خفضت الصفقة مخاطر تركيز العقارات التجارية، حسنّت نسب رأس المال، وخلقت دخلاً غير فaatي كبير. أكملت Third Coast صفقة securitization ثانية في الربع الثاني من 2025، مما يشير إلى استراتيجية توسيع تحسين الميزانية للبنوك الإقليمية والمجتمعية.
Third Coast Bancshares (NYSE: TCBX) 因一项里程碑式的综合风险转移（SRT）证券化被 Structured Credit Investor 评为2025 年北美年度交易。
在 2025 年 4 月，Third Coast 与 EJF Capital 完成了一笔 1 亿美元 的 SRT，这是资产规模达到 50 亿美元 的美国银行所完成的首笔此类交易。该交易降低了商业房地产的集中风险，改善了资本比率，并产生了显著的非利息收入。Third Coast 于 2025 年第二季度 完成了第二笔证券化，标志着面向区域与社区银行的资产负债表优化策略的扩张。
- $100 million synthetic risk transfer completed April 2025
- First SRT by a U.S. bank with $5 billion in assets
- Transaction reduced commercial real estate concentration risk
- Deal improved Third Coast's capital ratios
- Generated meaningful non-interest income
- Completed a second securitization in Q2 2025
- None.
Insights
Recognition reflects a material, positive capital-management milestone for a regional bank using SRT to de-risk and diversify earnings.
Third Coasts award highlights a completed $100
Key dependencies and risks remain clear and limited in the disclosure: the benefits depend on the terms and durability of the risk transfer, ongoing investor demand for such securitizations, and consistent asset performance underwritten in the deal. Monitor the announced follow-up securitization completed in
Award honors Third Coast's innovative synthetic risk transfer deal executed in partnership with EJF Capital
"We're incredibly proud of our team's creativity and the collaboration with our partners at EJF Capital — this is our Bannister moment," said Bart Caraway, Founder, Chairman, President, and Chief Executive Officer of Third Coast, referencing the Oxford runner Roger Bannister, who became the first to run a four-minute mile. "Just as Bannister broke a barrier once thought impossible, our team has proven that innovation in capital markets is achievable for community and regional banks. By using real estate development loans as collateral, we have opened new doors. This is more than an achievement for Third Coast, it's a milestone for the entire sector, illustrating the resilience and innovation driving the next generation of community banking."
In April 2025, Third Coast, in partnership with EJF Capital, LLC, completed a landmark
Third Coast continues to expand its balance-sheet optimization strategy, completing a second securitization in Q2 2025.
About Third Coast Bancshares, Inc.
Third Coast Bancshares, Inc. is a commercially focused,
Forward Looking Statements
This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are subject to risks and uncertainties and are made pursuant to the safe harbor provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as "may," "should," "could," "predict," "potential," "believe," "looking ahead," "will likely result," "expect," "continue," "will," "anticipate," "seek," "estimate," "intend," "plan," "projection," "would" and "outlook," or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management's beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following: the risks associated with the continued listing of our common stock on the NYSE and NYSE Texas, including potential costs, compliance obligations, or impacts on trading liquidity and investor perception; interest rate risk and fluctuations in interest rates; market conditions and economic trends generally and in the banking industry; our ability to maintain important deposit relationships; our ability to grow or maintain our deposit base; our ability to implement our expansion strategy; our ability to pay dividends on our Series A Preferred Stock; credit risk associated with our business; changes in accounting standards or tax laws; evolving regulatory requirements; cybersecurity threats and risks to information technology infrastructure; competitive pressures including new market entrants; potential impacts related to geopolitical events or global health concerns; and changes in key management personnel. For a discussion of additional factors that could cause our actual results to differ materially from those described in the forward-looking statements, please see the risk factors discussed in our Annual Report on Form 10-K for the year ended December 31, 2024 filed with the
The foregoing factors should not be construed as exhaustive and should be read together with the other cautionary statements included in this press release. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. Accordingly, you should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. New factors emerge from time to time, and it is not possible for us to predict which will arise. In addition, we cannot assess the impact of each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements.
Contact:
Ken Dennard / Natalie Hairston
Dennard Lascar Investor Relations
(713) 529-6600
TCBX@dennardlascar.com
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SOURCE Third Coast Bancshares
FAQ
What did Third Coast (TCBX) win on October 15, 2025?
How large was the synthetic risk transfer Third Coast (TCBX) completed in April 2025?
Why is the April 2025 securitization notable for Third Coast (TCBX)?
How did the $100M SRT affect Third Coast's balance sheet and income (TCBX)?
When did Third Coast complete a follow-on securitization for TCBX?
Who partnered with Third Coast on the $100M securitization for TCBX?
