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Third Coast Bancshares, Inc. 8-K Filings

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Every 8-K that Third Coast Bancshares, Inc. (TCBX) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.

A 8-K covers material events a company has to report between its quarterly reports, 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.

Rhea-AI Summary

Third Coast Bancshares, Inc. (TCBX) reports that director Jeffrey A. Wilkinson resigned from its Board of Directors effective September 17, 2026. The company states that Mr. Wilkinson’s decision to resign did not arise or result from any disagreement regarding operations, policies, or practices.

Rhea-AI Summary

Third Coast Bancshares, Inc. (TCBX) announced that its Board of Directors declared a quarterly cash dividend of $17.25 per share on its 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend is payable on October 15, 2026 to holders of record at the close of business on September 30, 2026.

The company is a commercially focused, Texas-based bank holding company operating through Third Coast Bank, with branches in the Austin, Dallas-Fort Worth, Greater Houston, and San Antonio markets.

Rhea-AI Summary

Third Coast Bancshares, Inc. reported strong results for the quarter ended June 30, 2026, highlighted by record diluted earnings per share and higher profitability. Net income was $22.0 million, with basic and diluted EPS of $1.25 and $1.08, up from $1.03 and $0.88 in the prior quarter. Return on average assets improved to 1.34% annualized from 1.08%. Net interest margin rose sequentially to 3.83%, while net interest income grew to $60.3 million, a 12.4% increase from the first quarter and 22.1% above a year earlier.

Credit metrics remained controlled: nonperforming loans were $30.0 million, or 0.55% of total loans, with net recoveries of $150,000 and an allowance for credit losses of $53.6 million (0.99% of loans). The balance sheet expanded, with gross loans reaching $5.44 billion and deposits $5.86 billion, both showing double-digit year-over-year growth. Book value per common share rose to $36.34 and tangible book value per share to $33.08. The company also sold substantially all assets of Third Coast Commercial Capital, Inc., recognizing a $3.5 million gain and entering a revenue-sharing arrangement, and will discuss results on a July 23, 2026 investor call.

Rhea-AI Summary

Third Coast Bancshares, Inc., parent of Third Coast Bank, closed the sale of substantially all assets of its factoring subsidiary, Third Coast Commercial Capital, Inc. to Gulf Coast Bank & Trust Company, effective June 25, 2026. The transaction provides total consideration of approximately $27.5 million at closing and a recorded gain of $3.5 million, plus a structured ongoing revenue share.

Third Coast plans to continue offering factoring solutions through a strategic partnership with Gulf Coast, which operates a large accounts receivable platform. Management describes the move as part of the evolution of its balance sheet strategy, citing immediate capital benefits while refocusing on core commercial banking, asset-based lending and specialty lending platforms.

Rhea-AI Summary

Third Coast Bancshares, Inc. announced that its Board of Directors approved the continuation of a share repurchase program allowing the company to buy up to $30 million of its common stock through June 30, 2027. Management has notified the Federal Reserve Bank of Dallas about this program.

The company may repurchase shares periodically through open market purchases, privately negotiated transactions, block trades or other methods permitted under federal securities laws. The plan is fully discretionary, can be changed or suspended at any time, and does not require the company to buy any specific amount of stock.

Rhea-AI Summary

Third Coast Bancshares, Inc. announced that its Board of Directors declared a quarterly cash dividend of $17.0625 per share on its 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend will be paid on July 15, 2026 to holders of record as of June 30, 2026.

The company is a commercially focused, Texas-based bank holding company operating through Third Coast Bank, which was founded in 2008 and now has 21 branches across the Austin, Dallas-Fort Worth, Greater Houston, and San Antonio markets.

Rhea-AI Summary

Third Coast Bancshares, Inc. reported results of its annual shareholder meeting, including approval of an amended and restated 2019 Omnibus Incentive Plan. The updated plan adds a reserve of 375,000 common shares for equity awards and introduces minimum vesting, anti-repricing rules, and other administrative changes.

Shareholders elected Class A and Class C directors to new terms, with individual nominees receiving between 6.6 million and 10.1 million votes in favor. They also approved the Restated Plan with 9,639,839 votes for and ratified Whitley Penn LLP as independent auditor for the year ending December 31, 2026.

Rhea-AI Summary

Third Coast Bancshares, Inc. entered into a Renewal, Extension and Modification of Loan agreement with American National Bank & Trust effective March 10, 2026. This amends its existing March 10, 2021 loan agreement.

As of March 10, 2026, the company had $54,875,000 outstanding under the loan and had pledged all issued and outstanding capital stock of Third Coast Bank as collateral. The amendment extends the loan’s maturity date from March 10, 2026 to March 10, 2028 and increases the maximum commitment from $55,000,000 to $70,000,000, giving the company a larger committed borrowing capacity over an additional two-year term.

Rhea-AI Summary

Third Coast Bancshares, Inc. reported first quarter 2026 results and completed its merger with Keystone Bancshares on February 1, 2026. The merger added approximately $1.0 billion in assets, $812.0 million in loans and $844.2 million in deposits.

Net income for the quarter was $16.4 million, or $1.03 basic and $0.88 diluted earnings per share, including about $3.3 million in pre-tax merger-related expenses. Return on average assets was 1.08% annualized and net interest margin was 3.67%.

Gross loans reached $5.25 billion and deposits $5.72 billion at March 31, 2026. The efficiency ratio rose to 66.06% amid higher merger and compensation costs. Asset quality remained controlled, with nonperforming loans of $35.6 million, or 0.68% of total loans, and an allowance for credit losses of $51.5 million, or 0.98% of gross loans.

Rhea-AI Summary

Third Coast Bancshares, Inc. filed an amended current report to add detailed financial information for its completed merger with Keystone Bancshares, Inc., effective February 1, 2026. The filing includes Keystone’s audited 2025 and 2024 financial statements and unaudited pro forma combined statements as of and for the year ended December 31, 2025.

Keystone reported total assets of $1.02 billion and total deposits of $864.4 million at year-end 2025. Net income for 2025 was $6.25 million, with total stockholders’ equity of $104.3 million. The filing also details loan portfolio quality, credit loss allowances, liquidity, capital ratios, and stock-based compensation programs that now underlie the combined bank’s financial profile.

Rhea-AI Summary

Third Coast Bancshares, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $16.875 per share on its 6.75% Series A Convertible Non‑Cumulative Preferred Stock. The dividend will be paid on April 15, 2026 to holders of record at the close of business on March 31, 2026.

The company is a commercially focused, Texas-based bank holding company operating through Third Coast Bank, which has 21 branches across the Austin, Dallas-Fort Worth, Greater Houston, and San Antonio markets.

Rhea-AI Summary

Third Coast Bancshares, Inc. completed its merger with Keystone Bancshares, Inc., paying approximately 2.6 million shares of Third Coast common stock and $20 million in cash. Keystone first merged into a merger subsidiary, then into Third Coast, and Keystone Bank was combined with Third Coast Bank.

Keystone shareholders received either a mix of approximately $12.60 in cash plus 0.13540 Third Coast shares per Cash Election Share, or 0.45925 Third Coast shares per share otherwise, with cash paid instead of fractional shares based on a $38.90 VWAP. Keystone stock options were converted into Third Coast options, while Keystone RSUs and restricted stock became the stock consideration.

The board size at both the holding company and bank increased to 16 directors, with Jeffrey A. Wilkinson and Clint Greenleaf joining. Wilkinson entered a two-year employment agreement with a base salary of $481,500, a $1,400,000 retention bonus, potential bonuses and equity awards, and a 10,000-share time-based restricted stock grant. Required financial and pro forma information for the acquisition will be filed by amendment within 71 days.

Rhea-AI Summary

Third Coast Bancshares, Inc. reported that its shareholders approved the issuance of additional common shares needed to complete its planned merger with Keystone Bancshares, Inc.. At the special meeting held on January 23, 2026, shareholders voted on a proposal to authorize issuing new Third Coast common stock in connection with the merger, including for compliance with NYSE Listing Rule 312.03, which applies when more than 20% of currently outstanding shares will be issued.

As of the December 18, 2025 record date, 13,895,078 shares were outstanding, and holders of 8,578,742 shares were present or represented, providing a quorum. The share issuance proposal received 8,153,269 votes for, 424,652 against and 821 abstentions, with no broker non-votes, so it passed by the required margin. The adjournment proposal was not needed, and completion of the Keystone merger still depends on satisfying or waiving the closing conditions in the merger agreement.

Rhea-AI Summary

Third Coast Bancshares, Inc. reported that it has released its financial results for the quarter and year ended December 31, 2025 through a press release dated January 21, 2026. The detailed results are provided in that press release.

The company also plans to host an investor call and webcast to discuss these results on January 22, 2026 at 10:00 a.m. Central Time. An investor presentation with additional information is being made available to analysts and investors alongside the call.

Rhea-AI Summary

Third Coast Bancshares, Inc. filed an update related to its pending merger with Keystone Bancshares, Inc., providing extra details in response to four shareholder demand letters claiming the joint proxy statement/prospectus lacked material information. Third Coast and Keystone deny the allegations but are issuing these supplemental disclosures without changing the merger consideration or the timing of either company’s special shareholder meeting.

The company adds specifics on Raymond James’ fairness opinion, including use of a 10.6x terminal price-to-earnings multiple, 2030 adjusted net income assumptions of $79.3 million for Third Coast and $13.3 million for Keystone, and terminal value ranges for both banks. Pro forma analysis shows the merger is estimated to be 1.9% dilutive to tangible book value per share at March 31, 2026, but 5.2% and 5.3% accretive to Third Coast’s projected 2027 and 2028 EPS. The update also discloses Raymond James’ compensation and provides detailed standalone and synergy-adjusted financial projections for both banks through 2030 and 2031.

Rhea-AI Summary

Third Coast Bancshares, Inc. reported that its Board of Directors has declared a quarterly cash dividend of $17.25 per share on its 6.75% Series A Convertible Non-Cumulative Preferred Stock. This reflects a scheduled cash payment to holders of that preferred series.

The dividend is payable on January 15, 2026 to shareholders of record at the close of business on December 31, 2025, so ownership of the preferred shares on that record date determines who receives the distribution. The company provided additional details and forward-looking statement cautions in a press release that is attached as an exhibit.

Rhea-AI Summary

Third Coast Bancshares, Inc. reported that Vicki Alexander, Executive Vice President and Chief Risk and Operations Officer, will retire and resign as Principal Operating Officer of Third Coast Bank effective December 31, 2025.

In connection with her retirement, she and the bank entered into a Separation Agreement and Release dated December 1, 2025. She is eligible to receive $211,562.96 in cash, described as approximately six months of base salary, plus an additional payment equal to six months of the cost of continuation health coverage under COBRA.

The company has begun searching for a new Chief Operations Officer and Chief Risk Officer. Until successors are in place, her responsibilities will be divided among the bank’s management team.

Rhea-AI Summary

Third Coast Bancshares (TCBX) agreed to acquire Keystone Bancshares via a two‑step merger. Keystone shareholders will receive 0.45925 shares of TCBX common stock per Keystone share, with an option to elect cash equal to the stock value, capped in the aggregate at $20,000,000 for all cash elections.

The exchange ratio may be reduced if Keystone delivers less than $94,576,000 of capital, surplus and retained earnings net of intangibles at the calculation date. Conditions include shareholder approvals (including TCBX share issuance), required regulatory consents, NYSE listing of the new TCBX shares, an effective Form S‑4, and tax treatment as a Section 368(a) reorganization. Boards of the Company and Third Coast Bank will each add two directors, including Jeffrey A. Wilkinson. The outside date is September 30, 2026, and Keystone may owe a termination fee of $4,820,128 in specified circumstances. A voting agreement covers approximately 12% of Keystone shares, and certain Keystone directors signed a support agreement.

Rhea-AI Summary

Third Coast Bancshares (TCBX) filed an amended Form 8‑K to furnish its Q3 2025 investor presentation and add Item 7.01 Regulation FD disclosure; Item 9.01 was updated to reference Exhibit 99.2.

The company will hold an investor call and webcast on Thursday, October 23, 2025, at 10:00 a.m. Central Time. The October 22, 2025 press release announcing quarterly results remains available as Exhibit 99.1.

Rhea-AI Summary

Third Coast Bancshares (TCBX) announced it entered into an Agreement and Plan of Reorganization with Keystone Bancshares. The structure includes three steps: Merger Sub will merge into Keystone, Keystone will then merge into Third Coast, and Keystone Bank, SSB will subsequently merge into Third Coast Bank, with Third Coast and Third Coast Bank surviving each step.

The companies furnished a joint press release and an investor presentation, along with employee and shareholder communications. The transaction is subject to conditions, including required regulatory and shareholder approvals. Third Coast plans to file a Form S-4 that will include a joint proxy statement/prospectus for both companies’ shareholders.

Rhea-AI Summary

Third Coast Bancshares, Inc. (TCBX) furnished an update on operations by announcing it issued a press release with financial results for the quarter ended September 30, 2025. The press release is included as Exhibit 99.1.

The information was furnished under Item 2.02 on October 22, 2025 and, under General Instruction B.2, is not deemed “filed” and is not subject to Section 18 liability. It will only be incorporated by reference into other filings if expressly stated.

Rhea-AI Summary

Third Coast Bancshares, Inc. is voluntarily moving the stock-market listing of its common shares from Nasdaq to the New York Stock Exchange and NYSE Texas. The company notified Nasdaq on September 22, 2025 that it plans this transfer.

The last trading day for the common stock on Nasdaq is expected to be October 3, 2025, with trading beginning on the NYSE and NYSE Texas on October 6, 2025. The shares have been authorized for dual listing on NYSE and NYSE Texas and will continue to trade under the symbol “TCBX.”

Rhea-AI Summary

Third Coast Bancshares, Inc. announced that its Board of Directors declared a quarterly cash dividend of $17.25 per share on its 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend will be paid on October 15, 2025 to holders of record as of the close of business on September 30, 2025.

The company disclosed this action in a current report and attached the related press release as an exhibit, which also includes cautionary language regarding forward-looking statements.

Rhea-AI Summary

Third Coast Bancshares (NASDAQ:TCBX) filed a Form 8-K announcing its Board declared the regular quarterly cash dividend of $17.0625 per share on the 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend is payable on July 15, 2025 to holders of record at the close of business on June 30, 2025. No other operational or financial changes were disclosed.