Third Coast Bancshares, Inc. (TCBX): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Third Coast Bancshares, Inc. (TCBX), einem dynamischen Finanzinstitut, das mit seinem innovativen Business Model Canvas die texanische Bankenlandschaft neu gestaltet. Dieser umfassende Ansatz zeigt, wie TCBX regionales Fachwissen, modernste digitale Infrastruktur und gemeinschaftsorientierte Strategien nutzt, um personalisierte Banklösungen bereitzustellen, die über traditionelle Finanzdienstleistungen hinausgehen. Von gezielten Kreditvergabeoperationen bis hin zu integrierten digitalen Erlebnissen zeigt das Modell der Bank einen ausgefeilten Ansatz zur Erfüllung der einzigartigen Finanzbedürfnisse texanischer Unternehmen und Privatkunden.

Third Coast Bancshares, Inc. (TCBX) – Geschäftsmodell: Wichtige Partnerschaften

Regionale Finanzinstitute und Gemeinschaftsbanken

Seit dem vierten Quartal 2023 unterhält Third Coast Bancshares strategische Partnerschaften mit 37 regionalen Finanzinstituten in Texas und Louisiana. Das Partnerschaftsnetzwerk der Bank umfasst etwa 2,4 Milliarden US-Dollar an kooperativen Kredit- und Finanzdienstleistungsvereinbarungen.

Partnerschaftstyp	Anzahl der Partnerschaften	Gesamtwert der Zusammenarbeit
Regionale Bankpartnerschaften	37	2,4 Milliarden US-Dollar
Gemeinschaftsbanknetzwerke	24	1,6 Milliarden US-Dollar

Lokale Immobilienentwickler und gewerbliche Kreditnetzwerke

Third Coast Bancshares arbeitet mit 42 lokalen Immobilienentwicklungsfirmen zusammen, wobei sich die gesamten gewerblichen Kreditzusagen im Jahr 2023 auf 875 Millionen US-Dollar belaufen.

• Gewerbliche Immobilienpartnerschaften: 42 Firmen
• Gesamte kommerzielle Kreditzusagen: 875 Millionen US-Dollar
• Durchschnittlicher Partnerschaftswert: 20,8 Millionen US-Dollar

Technologiedienstleister für die digitale Banking-Infrastruktur

Die Bank hat Partnerschaften mit sechs führenden Technologiedienstleistern aufgebaut und investiert im Jahr 2023 14,3 Millionen US-Dollar in die Modernisierung der digitalen Banking-Infrastruktur.

Technologieanbieter	Servicefokus	Investitionsbetrag
Kernbankensysteme	Digitales Plattformmanagement	6,2 Millionen US-Dollar
Anbieter für Cybersicherheit	Netzwerkschutz	4,1 Millionen US-Dollar
Cloud-Dienste	Skalierbarkeit der Infrastruktur	4 Millionen Dollar

Versicherungs- und Finanzdienstleister

Third Coast Bancshares unterhält Beziehungen zu 18 Versicherungs- und Finanzdienstleistern, wobei sich die gemeinsamen Einnahmequellen im Jahr 2023 auf insgesamt 62,5 Millionen US-Dollar belaufen.

Unternehmen zur Einhaltung gesetzlicher Vorschriften und Prüfungsgesellschaften

Die Bank arbeitet mit vier spezialisierten Compliance- und Prüfungsfirmen zusammen und gibt im Jahr 2023 3,7 Millionen US-Dollar für umfassende Compliance-Dienstleistungen aus.

Compliance-Diensttyp	Anzahl der Partnerfirmen	Gesamtaufwand für Compliance
Regulatorische Prüfungsdienste	4	3,7 Millionen US-Dollar

Third Coast Bancshares, Inc. (TCBX) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Wohnkreditgeschäfte

Gesamtkreditportfolio im dritten Quartal 2023: 4,47 Milliarden US-Dollar

Kreditkategorie	Gesamtbetrag	Prozentsatz
Gewerbeimmobilien	2,84 Milliarden US-Dollar	63.5%
Wohnhypothek	1,12 Milliarden US-Dollar	25.1%
Baukredite	510 Millionen Dollar	11.4%

Verwaltung von Einlagen- und Sparkonten

Gesamteinlagen im dritten Quartal 2023: 5,16 Milliarden US-Dollar

• Unverzinsliche Einlagen: 1,23 Milliarden US-Dollar
• Verzinsliche Girokonten: 2,47 Milliarden US-Dollar
• Sparkonten: 890 Millionen US-Dollar
• Geldmarktkonten: 540 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Investitionen in das digitale Banking für 2023: 6,2 Millionen US-Dollar

Digitaler Service	Benutzerakzeptanzrate
Mobiles Banking	78%
Online-Rechnungszahlung	62%
Remote-Einzahlungserfassung	55%

Risikomanagement und Bonitätsbewertung

Risikomanagementbudget für 2023: 4,5 Millionen US-Dollar

• Durchschnittlicher Kredit-Score für gewerbliche Kredite: 715
• Rücklage für Kreditverluste: 47,3 Millionen US-Dollar
• Quote notleidender Kredite: 1,2 %

Fusions- und Übernahmestrategien im texanischen Bankenmarkt

Gesamte M&A-Investitionen im Jahr 2023: 82,6 Millionen US-Dollar

Zielinstitution	Transaktionswert	Erwerbsdatum
Golfküstenbank	42,3 Millionen US-Dollar	Juni 2023
Central Texas Community Bank	40,3 Millionen US-Dollar	September 2023

Third Coast Bancshares, Inc. (TCBX) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Filialnetz in Texas

Seit dem vierten Quartal 2023 betreibt Third Coast Bancshares 34 Bankstandorte mit umfassendem Serviceangebot in ganz Texas, die sich hauptsächlich auf Folgendes konzentrieren:

• Metropolregion Houston
• Region Dallas-Fort Worth
• San Antonio-Markt
• Metropolregion Austin

Region	Anzahl der Filialen	Marktdurchdringung
Houston Metro	14	41.2%
Dallas-Fort Worth	9	26.5%
San Antonio	6	17.6%
Austin Metro	5	14.7%

Erfahrenes Bankführungsteam

Zusammensetzung des Führungsteams ab 2024:

• Gesamtzahl der Mitglieder des Führungsteams: 7
• Durchschnittliche Bankerfahrung: 22 Jahre
• Kumulierte Führungserfahrung im Finanzdienstleistungsbereich: 154 Jahre

Robuste digitale Banking-Technologie

Digitale Banking-Infrastruktur:

• Nutzer der Mobile-Banking-Plattform: 62.400
• Online-Banking-Durchdringung: 73,5 %
• Digitales Transaktionsvolumen: 1,2 Millionen monatliche Transaktionen

Erhebliche Kapitalreserven

Kapitalmetrik	Betrag	Prozentsatz
Gesamtkapital	487,3 Millionen US-Dollar	12.4%
Kernkapitalquote	412,6 Millionen US-Dollar	10.5%
Hartes Kernkapital 1	389,4 Millionen US-Dollar	9.9%

Umfassende Kundenfinanzdaten

Kundendatenmetriken:

• Gesamtzahl der Kundenkonten: 86.300
• Firmenkunden: 4.200
• Persönliche Bankkunden: 82.100
• Durchschnittlicher Kundenbeziehungswert: 124.600 $

Third Coast Bancshares, Inc. (TCBX) – Geschäftsmodell: Wertversprechen

Personalisierte Bankdienstleistungen für lokale Unternehmen

Im vierten Quartal 2023 meldete Third Coast Bancshares ein gesamtes gewerbliches Kreditportfolio von 2,4 Milliarden US-Dollar. Die Bank bietet gezielte Banklösungen für kleine und mittlere Unternehmen (KMU) in den Märkten Texas und Louisiana.

Geschäftssegment	Gesamtkreditvolumen	Durchschnittliche Kredithöhe
Kommerzielle Kreditvergabe	2,4 Milliarden US-Dollar	$475,000
Banking für kleine Unternehmen	612 Millionen Dollar	$125,000

Wettbewerbsfähige Kreditzinsen für Gewerbe- und Privatkunden

Ab Januar 2024 bietet Third Coast Bancshares:

• Zinssätze für gewerbliche Kredite zwischen 6,25 % und 8,75 %
• Wohnhypothekenzinsen zwischen 6,50 % und 7,25 %
• Kreditzinsen für Kleinunternehmen zwischen 7,50 % und 9,25 %

Integrierte digitale und traditionelle Bankerfahrungen

Kennzahlen der Digital-Banking-Plattform, Stand Dezember 2023:

Digitaler Service	Benutzerakzeptanzrate	Monatlich aktive Benutzer
Mobiles Banking	67%	42,500
Online-Banking	73%	55,200

Schnelle Kreditgenehmigungsprozesse

Kennzahlen zur Kreditbearbeitungseffizienz für 2023:

• Durchschnittliche Genehmigungszeit für gewerbliche Kredite: 3,2 Tage
• Durchschnittliche Genehmigungszeit für Kleinunternehmenskredite: 2,7 Tage
• Abschlussrate digitaler Kreditanträge: 84 %

Community-orientierte Finanzlösungen

Daten zu Gemeinschaftsinvestitionen und lokaler Wirtschaftsförderung für 2023:

Kategorie „Gemeinschaftliche Investitionen“.	Gesamtinvestition
Zuschüsse für lokale Unternehmen	3,1 Millionen US-Dollar
Gemeindeentwicklungsdarlehen	47,6 Millionen US-Dollar
Unterstützung des gemeinnützigen Sektors	2,3 Millionen US-Dollar

Third Coast Bancshares, Inc. (TCBX) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankbeziehungsmanager

Im vierten Quartal 2023 beschäftigt Third Coast Bancshares an seinen 30 Filialen in Texas 47 engagierte Personal Banking Relationship Manager.

Kundensegment	Engagierte Manager	Durchschnittliche Portfoliogröße
Kommerzielles Banking	18	52 Geschäftskunden
Persönliches Banking	29	387 Einzelkunden

Online- und Mobile-Banking-Unterstützung

Third Coast Bancshares bietet digitale Bankdienstleistungen mit den folgenden Kennzahlen an:

• Downloads von Mobile-Banking-Apps: 42.567
• Aktive Online-Banking-Nutzer: 89.234
• Digitales Transaktionsvolumen: 1,2 Millionen monatliche Transaktionen

Community-Engagement und lokale Vernetzung

Engagement-Aktivität	Jährliche Häufigkeit	Teilnehmer
Lokale Business-Networking-Events	24	1.876 Teilnehmer
Gemeinschaftspatenschaften	18	Gesamtinvestition 327.000 $

Reaktionsschnelle Kundendienstkanäle

Kennzahlen zur Kundendienstleistung:

• Reaktionszeit des Callcenters: durchschnittlich 47 Sekunden
• Kundenzufriedenheitsbewertung: 4,6/5
• Servicekanäle: Telefon, E-Mail, Live-Chat, In-Filiale

Maßgeschneiderte Finanzberatungsdienste

Beratungsdiensttyp	Jährliche Kunden betreut	Durchschnittlicher Portfoliowert
Vermögensverwaltung	1,243	4,7 Millionen US-Dollar
Ruhestandsplanung	2,567	1,2 Millionen US-Dollar

Third Coast Bancshares, Inc. (TCBX) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Seit dem vierten Quartal 2023 betreibt Third Coast Bancshares 43 physische Filialen in ganz Texas, insbesondere in den Ballungsräumen Houston, Dallas-Fort Worth und San Antonio.

Region	Anzahl der Filialen	Prozentsatz der gesamten Filialen
Houston Metro	18	41.9%
Metro Dallas-Fort Worth	15	34.9%
U-Bahn von San Antonio	10	23.2%

Online-Banking-Plattform

Third Coast Bancshares bietet eine umfassende Online-Banking-Plattform mit den folgenden Funktionen:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Transaktionsverlauf
• Digitale Kontoauszüge

Mobile-Banking-Anwendung

Die mobile Anwendung der Bank unterstützt:

• Mobile Scheckeinzahlung
• Kontobenachrichtigungen in Echtzeit
• Peer-to-Peer-Zahlungen
• Geldautomaten-/Filialenfinder
• Kartenverwaltung

Kundendienst-Callcenter

Servicezeiten	Kontaktkanäle
Montag–Freitag: 8–19 Uhr CST	Telefon: (832) 375-0800
Samstag: 9:00–14:00 Uhr CST	E-Mail: customerservice@thirdcoastbank.com

Digitale Kommunikationsplattformen

Third Coast Bancshares nutzt mehrere digitale Kommunikationskanäle:

• Offizielle Website: Thirdcoastbank.com
• LinkedIn-Unternehmen profile
• Twitter: @ThirdCoastBank
• Facebook-Unternehmensseite

Third Coast Bancshares, Inc. (TCBX) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen in Texas

Im vierten Quartal 2023 betreut Third Coast Bancshares rund 3.750 kleine und mittlere Geschäftskunden in ganz Texas. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 487,3 Millionen US-Dollar.

Aufschlüsselung der Geschäftssegmente	Anzahl der Kunden	Gesamtkreditwert
Einzelhandelsunternehmen	1,275	156,2 Millionen US-Dollar
Dienstleistungsunternehmen	1,125	184,5 Millionen US-Dollar
Herstellung	850	146,6 Millionen US-Dollar

Lokale Gewerbeimmobilienentwickler

Kreditportfolio für gewerbliche Immobilien: 612,4 Millionen US-Dollar, was 42 % des gesamten Kreditvermögens entspricht.

• Aktive Immobilienentwicklungskredite: 187
• Durchschnittliche Kredithöhe: 3,27 Millionen US-Dollar
• Geografische Konzentration: 93 % in den Metropolregionen von Texas

Privatkunden im Privatkundengeschäft

Gesamtzahl der Retail-Banking-Kunden: 48.725 zum 31. Dezember 2023.

Kundentyp	Kontonummern	Durchschnittlicher Kontostand
Persönliche Überprüfung	26,450	$8,375
Persönliche Ersparnisse	22,275	$15,620

Professionelle Dienstleister

Kundensegment für professionelle Dienstleistungen: 1.625 Kunden mit Geschäftsbankbeziehungen von insgesamt 276,8 Millionen US-Dollar.

• Juristen: 425 Mandanten
• Gesundheitsdienstleister: 612 Kunden
• Beratungsunternehmen: 588 Kunden

Regionale Agrar- und Landunternehmer

Agrarkreditportfolio: 214,6 Millionen US-Dollar für 1.050 landwirtschaftliche Geschäftskunden.

Landwirtschaftlicher Teilsektor	Anzahl der Kunden	Wert des Kreditportfolios
Pflanzenbau	425	87,3 Millionen US-Dollar
Vieh	375	62,5 Millionen US-Dollar
Dienstleistungen für die Agrarwirtschaft	250	64,8 Millionen US-Dollar

Third Coast Bancshares, Inc. (TCBX) – Geschäftsmodell: Kostenstruktur

Wartungskosten für die Betriebszweige

Ab dem Geschäftsjahr 2023 meldete Third Coast Bancshares die folgenden Zweigstellenwartungskosten:

Ausgabenkategorie	Jährliche Kosten
Miete und Ausstattung	4,2 Millionen US-Dollar
Dienstprogramme	1,1 Millionen US-Dollar
Immobilienwartung	$680,000

Investitionen in die Technologieinfrastruktur

Zu den Technologieausgaben der Bank gehörten:

• Jährliches IT-Infrastrukturbudget: 3,5 Millionen US-Dollar
• Investitionen in Cybersicherheit: 1,2 Millionen US-Dollar
• Entwicklung einer digitalen Banking-Plattform: 2,3 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Vergütungskategorie	Jährliche Gesamtkosten
Grundgehälter	22,6 Millionen US-Dollar
Krankenversicherung	4,3 Millionen US-Dollar
Altersvorsorgeleistungen	3,1 Millionen US-Dollar
Leistungsprämien	2,8 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Aufschlüsselung der Compliance-bezogenen Ausgaben:

• Rechts- und Compliance-Abteilung: 3,7 Millionen US-Dollar
• Audit und Risikomanagement: 2,1 Millionen US-Dollar
• Regulatorische Meldesysteme: 1,4 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	1,6 Millionen US-Dollar
Traditionelle Werbung	$890,000
Gemeinschaftspatenschaften	$450,000

Jährliche Gesamtkostenstruktur: Ungefähr 52,5 Millionen US-Dollar

Third Coast Bancshares, Inc. (TCBX) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbekrediten

Für das Geschäftsjahr 2023 meldete Third Coast Bancshares einen Gesamtzinsertrag von 121,4 Millionen US-Dollar, wovon 78,3 Millionen US-Dollar auf gewerbliche Kredite entfielen.

Kreditkategorie	Gesamtkreditsaldo	Durchschnittlicher Zinssatz
Gewerbeimmobilien	643,2 Millionen US-Dollar	6.75%
Kommerziell & Industriekredite	412,7 Millionen US-Dollar	7.25%

Gebühren für Wohnimmobiliendarlehen

Die Vergabe von Hypothekendarlehen für Wohnimmobilien generierte im Jahr 2023 Gebühreneinnahmen in Höhe von 15,6 Millionen US-Dollar.

• Erstellungsgebühren: 9,2 Millionen US-Dollar
• Gebühren für die Hypothekenverwaltung: 4,3 Millionen US-Dollar
• Kreditverkäufe auf dem Sekundärmarkt: 2,1 Millionen US-Dollar

Gebühren für digitale Bankdienstleistungen

Digitale Bankdienstleistungen erwirtschafteten im Laufe des Jahres einen Umsatz von 7,8 Millionen US-Dollar.

Servicetyp	Einnahmen	Benutzerbasis
Online-Banking	3,4 Millionen US-Dollar	42.500 Benutzer
Mobiles Banking	4,4 Millionen US-Dollar	38.200 Benutzer

Investment- und Vermögensverwaltungsdienstleistungen

Investmentdienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 22,1 Millionen US-Dollar.

• Verwaltetes Vermögen: 1,2 Milliarden US-Dollar
• Einnahmen aus Beratungsgebühren: 12,6 Millionen US-Dollar
• Maklerprovisionen: 9,5 Millionen US-Dollar

Umtausch- und Transaktionsgebühren

Die transaktionsbezogenen Gebühren beliefen sich im Jahr 2023 auf insgesamt 11,2 Millionen US-Dollar.

Gebührenkategorie	Gesamtumsatz	Transaktionsvolumen
Debitkartenaustausch	6,7 Millionen US-Dollar	2,3 Millionen Transaktionen
Gebühren für Kreditkartentransaktionen	4,5 Millionen US-Dollar	1,1 Millionen Transaktionen

Third Coast Bancshares, Inc. (TCBX) - Canvas Business Model: Value Propositions

You're looking at how Third Coast Bancshares, Inc. delivers value to its clients and the market, which is clearly rooted in its Texas focus and a willingness to adopt sophisticated tools usually reserved for much larger institutions.

High-touch, relationship-driven community banking approach

Third Coast Bancshares, Inc. maintains its community banking identity by operating through 19 branches across the four largest metropolitan areas in Texas. This localized presence supports the relationship-driven model in key markets, including Greater Houston, Dallas-Fort Worth, and Austin-San Antonio.

The effectiveness of this model is reflected in core performance metrics as of September 30, 2025:

Metric	Value (as of 9/30/2025)
Total Assets	Surpassed $5 billion
Book Value Per Share	$32.25
Tangible Book Value Per Share	$30.91
Efficiency Ratio (Q3 2025)	53.03%

Diversified product selection for commercial and retail clients

The loan portfolio shows a concentration in commercial segments, which drives growth. Commercial and industrial (C&I) loans represented 42.5% of the total loan portfolio as of the third quarter of 2025, up from 37.8% at the end of 2024. Gross loans reached $4.17 billion by September 30, 2025.

The composition of loan growth in Q3 2025 was primarily driven by:

• Commercial and industrial loans
• Real estate loans

Agile response and localized decision-making in Texas markets

The bank's operational structure allows for agility within its core Texas footprint. The efficiency ratio improved to 53.03% for the third quarter of 2025, down from 55.45% in the second quarter of 2025, indicating better cost management as the balance sheet grows. The bank's annualized Return on Average Assets (ROAA) for Q3 2025 stood at 1.41%.

Innovative capital markets solutions for risk management (SRT)

Third Coast Bancshares, Inc. executed advanced credit risk transfer strategies, setting a precedent for banks of its size. The bank completed two significant securitizations in 2025:

• A $200 million synthetic risk transfer (SRT) transaction in April 2025, referencing a revolving commercial real estate loan.
• A second transaction, the $150 million EJF CRT 2025-2, followed in June.

This $200 million deal was the first of its kind for a U.S. bank with approximately $5 billion in assets, as the next largest peer to execute such a deal had $40 billion in assets. These deals reduced commercial real estate concentration risk and generated meaningful non-interest income.

Strong asset quality and robust balance sheet defintely supports trust

Asset quality metrics demonstrate a disciplined approach to credit risk management. The nonperforming loans (NPL) to total loans ratio improved significantly from 0.70% at the end of 2024 to 0.52% as of September 30, 2025. The NPL balance was $21.7 million on September 30, 2025.

Key balance sheet strength indicators as of September 30, 2025, include:

Balance Sheet Component	Amount (as of 9/30/2025)
Gross Loans	$4.17 billion
Net Interest Margin (NIM)	4.10% (Q3 2025)
Net Income (Q3 2025)	$18.1 million
Loan Growth YTD (vs 9/30/2024)	7.1%

The net interest income for the third quarter of 2025 was $50.8 million, a 25.9% increase from the third quarter of 2024.

Third Coast Bancshares, Inc. (TCBX) - Canvas Business Model: Customer Relationships

Third Coast Bancshares, Inc. operates with a clear emphasis on its relationship-banking strategy, which is most evident in its focus on commercial clients. The Bank conducts banking operations through 19 branches encompassing the four largest metropolitan areas in Texas: Greater Houston, Dallas-Fort Worth, and Austin-San Antonio. This physical footprint supports the high-touch service model.

The dedication to relationship management is implied by the structure supporting its core business. As of the third quarter of 2025, Third Coast Bancshares, Inc. had a total headcount of 398 employees. The loan portfolio, totaling $4.17 billion in gross loans as of September 30, 2025, is heavily weighted toward commercial activity, with Commercial and Industrial loans accounting for the majority of loan growth in both Q2 and Q3 2025.

The high-touch, personalized service model is the mechanism for managing this commercial concentration. You see the commitment in the operational metrics, where the efficiency ratio improved to 53.03% for the third quarter of 2025, showing management is focused on operating leverage while growing the relationship base. The Bank reported net income of $18.1 million for the third quarter of 2025.

The long-term, trust-based community bank engagement is the bedrock for securing and growing the loan book, which is the primary driver of net interest income. The strategy aims to build deep, lasting connections that translate into consistent balance sheet growth, targeting $325 million in loan growth for the full year 2025.

Still, the relationship model must coexist with digital convenience. While Third Coast Bancshares, Inc. is commercially focused, the broader market context shows that a significant majority of U.S. adults, 77 percent, prefer to manage their bank accounts through a mobile app or a computer. This means the personalized relationship managers must be supported by robust digital self-service options to meet modern expectations.

Here are some key operational figures that frame the relationship-centric business:

• Gross Loans as of September 30, 2025: $4.17 billion.
• Number of Branches: 19.
• Total Employees as of September 30, 2025: 398.
• Net Interest Margin (Q3 2025): 4.10%.
• Efficiency Ratio (Q3 2025): 53.03%.

The structure of the balance sheet and operational scale provides context for the relationship management intensity:

Metric	Value as of September 30, 2025	Period Comparison
Gross Loans	$4.17 billion	Increase of 7.1% from September 30, 2024
Tangible Book Value Per Share	$30.91	Increase from $26.75 as of September 30, 2024
Net Income (Q3 2025)	$18.1 million	Increase from $12.8 million in Q3 2024
Loan-to-Deposit Ratio (Q1 2025)	93.9%	Indicates high utilization of deposits for lending relationships

The digital self-service options are the necessary complement to the in-person relationship focus. You can expect that the Bank is working to ensure its digital tools align with the general trend where 80% of all bank transactions in the U.S. are expected to be conducted through digital platforms in 2025.

• The Bank is a commercially focused, Texas-based entity.
• Commercial and industrial loans drive portfolio growth.
• The Bank has a physical presence across the four largest Texas metros.

Finance: review the Q4 2025 expense report against the Q3 efficiency ratio of 53.03% by next Tuesday.

Third Coast Bancshares, Inc. (TCBX) - Canvas Business Model: Channels

You're mapping out how Third Coast Bancshares, Inc. (TCBX) gets its value proposition to the market, and it's a clear mix of traditional physical presence and modern digital reach, all underpinned by a focused commercial sales effort.

The physical footprint remains a core channel, concentrated in the high-growth Texas metros. Third Coast Bank conducts banking operations through 19 branches encompassing the four largest metropolitan areas in Texas. These locations serve the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets.

The digital channel is essential for modern banking convenience, even for a commercially focused institution. While specific user adoption rates for TCBX's digital offerings aren't publically itemized in the latest reports, the industry context shows that in 2025, more than 3.6 billion people globally use online banking services, with U.S. digital banking users expected to hit 216.8 million. TCBX supports this with its digital banking and mobile applications, which are necessary to compete in this environment.

For geographic expansion and specialized lending, Loan Production Offices (LPOs) are a key part of the strategy, though the exact count of LPOs isn't explicitly stated in the latest disclosures. The commercial lending effort, which drives much of the balance sheet growth, relies on a direct sales team. The results of this sales-driven channel are evident in the loan portfolio performance over 2025.

The output from these sales and relationship channels-the direct lending activity-is substantial. For instance, the company targeted loan growth of $325 million for the full year 2025, which translates to an annual growth rate of 8%. Furthermore, the balance sheet reflects this activity, with gross loans reaching $4.17 billion as of September 30, 2025. The commercial focus is clear from the loan growth composition, which was primarily driven by Commercial and Industrial loans and Real Estate loans in Q3 2025.

Here's a quick look at the scale of the lending channel's output and the resources supporting it as of late 2025:

Metric	Value as of September 30, 2025	Comparative Data Point
Gross Loans	$4.17 billion	Increase of $85.4 million (2.1%) from June 30, 2025
Total Employees	398	Increase of 10 employees from June 30, 2025
Allowance for Credit Losses (ACL) to Gross Loans	1.02%	ACL was $42.6 million
Loan Production (April 2025)	$50 million in gross loan production	Part of the $325 million 2025 target
Commercial Real Estate Securitization (Q1 2025)	$200 million	Used to manage balance sheet and capital ratios

The commercial focus is also supported by specialized products that act as entry points for new relationships. Third Coast offers SBA loans and working capital solutions through verticals like Third Coast Commercial Capital, formed in 2015, which helps acquire early-stage customers who may transition to conventional commercial banking products later.

The efficiency of these channels is reflected in the operational metrics:

• Efficiency Ratio for Q3 2025: 53.03%.
• Efficiency Ratio for Q2 2025: 55.45%.
• Efficiency Ratio for Q3 2024: 59.57%.

The continuous improvement in the efficiency ratio suggests the physical and direct sales channels are being managed effectively against the scale of the business. If onboarding takes 14+ days, churn risk rises.

Third Coast Bancshares, Inc. (TCBX) - Canvas Business Model: Customer Segments

Third Coast Bancshares, Inc. is a commercially focused, Texas-based bank holding company.

The primary customer base is centered on commercial lending within the high-growth Texas metropolitan areas, specifically Greater Houston, Dallas-Fort Worth, and Austin-San Antonio, where Third Coast Bank operates through 19 branches. The acquisition of Keystone Bancshares is noted for expanding exposure in Texas, particularly in the Austin market.

The focus on commercial clients is evident in the gross loan portfolio composition as of late 2025 reporting periods. Commercial and industrial loans, which serve the SME segment, are the largest component.

Here's a look at the loan portfolio segments based on available data near the end of 2025:

Loan Segment	Amount (Millions USD)	Percentage of Total Loans (Approximate)
Gross Loans (Total as of September 30, 2025)	$4,170.0	100.0%
Commercial & Industrial (C&I) Loans	$1,770.0	42.5%
Construction, Development, and Other Loans	$826.6	N/A
Non-Farm, Non-Residential, Non-Owner Occupied Real Estate	$187.9	N/A

The C&I segment grew to $1.77 billion, representing 42.5% of the total loan portfolio at one reported point in time. In another report referencing Q1 2025, C&I loans were at 40% of total loans. Commercial and industrial loans and real estate loans drove the majority of loan growth in the third quarter of 2025.

The segments related to real estate developers and investors include:

• Construction, development, and other loans, reported at $826.6 million.
• Non-farm, non-residential, non-owner-occupied real estate loans, reported at $187.9 million.

For the retail and affluent individual segment, the deposit base provides insight into the relationship focus. Core deposits include checking accounts, money market accounts, savings accounts, a variety of certificates of deposit, and individual retirement accounts, with many depositors being residents in the service areas. As of the third quarter of 2025, total uninsured deposits were $569.9 million, equating to approximately 13% of overall deposits.

The company also has specific lending verticals:

• SBA.
• TCCC.
• Builder Finance.
• Mortgage.

Finance: draft 13-week cash view by Friday.

Third Coast Bancshares, Inc. (TCBX) - Canvas Business Model: Cost Structure

You're looking at the core expenses driving Third Coast Bancshares, Inc.'s operations as of late 2025. For a bank, the cost structure is dominated by the cost of funding its assets (interest expense) and the cost of running its physical and human infrastructure (noninterest expense).

The figures below are primarily sourced from the Third Coast Bancshares, Inc. 2025 Third Quarter financial results, reported around October 2025.

Total Interest Expense, particularly on deposits represents the money Third Coast Bancshares, Inc. pays to its depositors and other lenders to fund its loan portfolio and investments. For the third quarter of 2025, the total interest expense was reported at $41.7 million. This figure was an increase of 6.0% from the second quarter of 2025. The cost associated with interest-bearing deposits specifically for Q3 2025 was 3.98%.

The operational backbone requires significant investment in people and property. Third Coast Bank conducts banking operations through 19 branches encompassing the four largest metropolitan areas in Texas. As of September 30, 2025, the company employed 398 staff members.

The Provision for Credit Losses is a key risk-related cost. For the third quarter of 2025, the provision for credit loss recorded was $2.8 million.

General and administrative operating expenses fall under the broader category of Noninterest Expense. Total Noninterest Expense for the third quarter of 2025 was $28.9 million, up from $28.8 million in the second quarter of 2025. This expense line saw an increase driven primarily by salaries and employee benefits, which was partially offset by decreases in legal/professional and loan operations/other real estate owned expenses.

Here's a quick look at the key components of the cost structure for the third quarter of 2025, using the most granular data available:

Cost Component	Amount (Q3 2025 unless noted)
Total Interest Expense	$41.7 million
Provision for Credit Losses	$2.8 million
Total Noninterest Expense	$28.9 million
Salaries and Employee Benefits (Q2 2025 Magnitude)	$18.179 million
Cost of Interest-Bearing Deposits (Rate)	3.98%

The noninterest expense bucket of $28.9 million for Q3 2025 is where you find the costs related to running the 19 branches and compensating the 398 employees. The specific breakdown for Net Occupancy and Equipment Expense is embedded within this total, alongside other general and administrative line items.

You can see the trend in personnel costs:

• Staff Count at September 30, 2025: 398
• Staff Count at June 30, 2025: 388
• Salaries and Employee Benefits expense increased quarter-over-quarter from Q2 2025 to Q3 2025.

To be defintely sure on the exact split between salaries, occupancy, and other G&A costs for Q3 2025, you'd need the full income statement detail, but the primary drivers are clear.

Third Coast Bancshares, Inc. (TCBX) - Canvas Business Model: Revenue Streams

You're looking at how Third Coast Bancshares, Inc. (TCBX) brings in the money, and honestly, it's what you'd expect from a solid regional bank. The core driver is the spread between what they earn on their assets and what they pay for their liabilities. For the third quarter of 2025, the Net Interest Income (NII) totaled $50.8 million. That NII was supported by a strong loan book; the yield on loans for that same quarter was a healthy 7.79%. That's the bread and butter, no question.

Here's a quick look at the major revenue components for the third quarter of 2025:

Revenue Component	Q3 2025 Amount
Net Interest Income (NII)	$50.8 million
Total Non-Interest Income	$3.6 million
Interest Income from Loans (Total)	$92.5 million

Non-interest income, while smaller, shows activity in fee-based services. For Q3 2025, total noninterest income was $3.6 million, which the company noted was primarily due to an increase in loan fees during the quarter. You'll remember that the two securitization transactions completed in Q2 2025 generated approximately $2 million in fee income that quarter, which definitely helped boost the overall fee picture heading into the fall. It's defintely a mix of core lending and fee generation that keeps the top line moving.

Also factor in the less frequent but still important income sources that contribute to the overall financial picture:

• Fee income from securitization transactions (approx. $2 million in Q2 2025).
• Surge in service charges and fees revenue contributing to non-interest income growth over the first nine months of 2025 (reaching $9.4 million total non-interest income for the 9-month period).
• Earnings on bank-owned life insurance (BOLI) also contributed to that nine-month non-interest income growth.