Here are the 10-K annual reports from Third Coast Bancshares, Inc. (TCBX) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow TCBX and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full TCBX filings page.
Third Coast Bancshares, Inc., a Texas-based bank holding company, describes a growing commercial banking platform centered on small and mid-sized businesses across the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets. The company operates through Third Coast Bank and commercial finance subsidiary TCCC, offering a full suite of lending, deposit and treasury management services.
As of December 31, 2025, Third Coast reported total assets of $5.34 billion, total loans of $4.39 billion, total deposits of $4.63 billion and shareholders’ equity of $531.0 million. Regulatory capital ratios for both the company and the bank exceeded Basel III minimums, and the bank qualified as well‑capitalized under prompt corrective action rules.
The filing highlights continued expansion, including a completed merger on February 1, 2026 with Keystone Bancshares, Inc. and the earlier 2020 merger with Heritage Bancorp, reinforcing its presence in key Texas metros. The bank maintains a legal lending limit of $153.7 million with its largest relationship at $70.0 million and emphasizes disciplined credit oversight through dedicated underwriting, loan review and special assets functions.
Funding relies primarily on core deposits, supplemented by wholesale and institutional programs and modest borrowings, including $37.9 million drawn on a holding company line of credit and $81.0 million of subordinated notes at year-end 2025. The bank paid $4.2 million in FDIC insurance premiums and holds a satisfactory Community Reinvestment Act rating, while operating under a detailed risk management, cybersecurity and regulatory compliance framework.