Tercera Costa Bancshares, Inc. (TCBX): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Third Coast Bancshares, Inc. (TCBX), una institución financiera dinámica que reestera el panorama bancario de Texas con su innovador lienzo de modelo de negocio. Este enfoque integral revela cómo TCBX aprovecha la experiencia regional, la infraestructura digital de vanguardia y las estrategias centradas en la comunidad para ofrecer soluciones bancarias personalizadas que van más allá de los servicios financieros tradicionales. Desde operaciones de préstamos específicos hasta experiencias digitales integradas, el modelo del banco demuestra un enfoque sofisticado para satisfacer las necesidades financieras únicas de las empresas de Texas y los clientes individuales.

Third Coast Bancshares, Inc. (TCBX) - Modelo de negocios: asociaciones clave

Instituciones financieras regionales y bancos comunitarios

A partir del cuarto trimestre de 2023, Third Coast Bancshares mantiene asociaciones estratégicas con 37 instituciones financieras regionales en Texas y Louisiana. La red de asociación del banco cubre aproximadamente $ 2.4 mil millones en préstamos colaborativos y acuerdos de servicio financiero.

Tipo de asociación	Número de asociaciones	Valor de colaboración total
Asociaciones bancarias regionales	37	$ 2.4 mil millones
Redes bancarias comunitarias	24	$ 1.6 mil millones

Desarrolladores inmobiliarios locales y redes de préstamos comerciales

Third Coast Bancshares colabora con 42 empresas locales de desarrollo inmobiliario, con compromisos de préstamos comerciales totales que alcanzan $ 875 millones en 2023.

• Asociaciones de bienes raíces comerciales: 42 empresas
• Compromisos de préstamos comerciales totales: $ 875 millones
• Valor de asociación promedio: $ 20.8 millones

Proveedores de servicios de tecnología para infraestructura bancaria digital

El banco ha establecido asociaciones con 6 proveedores de servicios de tecnología primaria, invirtiendo $ 14.3 millones en actualizaciones de infraestructura bancaria digital en 2023.

Proveedor de tecnología	Enfoque de servicio	Monto de la inversión
Sistemas bancarios centrales	Administración de plataforma digital	$ 6.2 millones
Proveedores de ciberseguridad	Protección de red	$ 4.1 millones
Servicios en la nube	Escalabilidad de infraestructura	$ 4 millones

Proveedores de seguros y servicios financieros

Third Coast Bancshares mantiene relaciones con 18 proveedores de servicios financieros y de seguros, con flujos de ingresos colaborativos por un total de $ 62.5 millones en 2023.

Empresas de cumplimiento y auditoría regulatoria

El banco trabaja con 4 firmas de cumplimiento y auditoría regulatorios especializados, gastando $ 3.7 millones en servicios integrales de cumplimiento en 2023.

Tipo de servicio de cumplimiento	Número de empresas asociadas	Gasto total de cumplimiento
Servicios de auditoría regulatoria	4	$ 3.7 millones

Third Coast Bancshares, Inc. (TCBX) - Modelo de negocio: actividades clave

Operaciones de préstamos comerciales y residenciales

Cartera de préstamos totales a partir del tercer trimestre de 2023: $ 4.47 mil millones

Categoría de préstamo	Cantidad total	Porcentaje
Inmobiliario comercial	$ 2.84 mil millones	63.5%
Hipoteca residencial	$ 1.12 mil millones	25.1%
Préstamos de construcción	$ 510 millones	11.4%

Gestión de cuentas de depósito y ahorro

Depósitos totales a partir del tercer trimestre 2023: $ 5.16 mil millones

• Depósitos de no interesados: $ 1.23 mil millones
• Cuentas corrientes que ponen intereses: $ 2.47 mil millones
• Cuentas de ahorro: $ 890 millones
• Cuentas del mercado monetario: $ 540 millones

Desarrollo de la plataforma de banca digital

Inversión bancaria digital para 2023: $ 6.2 millones

Servicio digital	Tasa de adopción de usuarios
Banca móvil	78%
Pago de factura en línea	62%
Captura de depósito remoto	55%

Gestión de riesgos y evaluación de crédito

Presupuesto de gestión de riesgos para 2023: $ 4.5 millones

• Puntuación de crédito promedio para préstamos comerciales: 715
• Reserva de pérdida de préstamos: $ 47.3 millones
• Relación de préstamos sin rendimiento: 1.2%

Estrategias de fusión y adquisición en el mercado bancario de Texas

Inversión total de M&A en 2023: $ 82.6 millones

Institución objetivo	Valor de transacción	Fecha de adquisición
Banco de la Costa del Golfo	$ 42.3 millones	Junio ​​de 2023
Banco de la Comunidad Central de Texas	$ 40.3 millones	Septiembre de 2023

Third Coast Bancshares, Inc. (TCBX) - Modelo de negocios: recursos clave

Red de sucursales regionales sólidas en Texas

A partir del cuarto trimestre de 2023, Third Coast Bancshares opera 34 ubicaciones de banca de servicio completo en Texas, principalmente concentrado en:

• Área metropolitana de Houston
• Región de Dallas-Fort Worth
• Mercado de San Antonio
• Área metropolitana de Austin

Región	Número de ramas	Penetración del mercado
Metro de Houston	14	41.2%
Dallas-Fort Worth	9	26.5%
San Antonio	6	17.6%
Metro de Austin	5	14.7%

Equipo de liderazgo bancario experimentado

Composición del equipo de liderazgo a partir de 2024:

• Miembros del equipo ejecutivo total: 7
• Experiencia bancaria promedio: 22 años
• Experiencia de liderazgo acumulativo en servicios financieros: 154 años

Tecnología de banca digital robusta

Infraestructura bancaria digital:

• Usuarios de la plataforma de banca móvil: 62,400
• Penetración bancaria en línea: 73.5%
• Volumen de transacciones digitales: 1.2 millones de transacciones mensuales

Reservas de capital sustanciales

Métrico de capital	Cantidad	Porcentaje
Capital total	$ 487.3 millones	12.4%
Relación de capital de nivel 1	$ 412.6 millones	10.5%
Equidad común de nivel 1	$ 389.4 millones	9.9%

Datos financieros integrales del cliente

Métricas de datos del cliente:

• Cuentas totales de clientes: 86,300
• Clientes de banca comercial: 4.200
• Clientes de banca personal: 82,100
• Valor promedio de la relación con el cliente: $ 124,600

Third Coast Bancshares, Inc. (TCBX) - Modelo de negocio: propuestas de valor

Servicios bancarios personalizados para empresas locales

A partir del cuarto trimestre de 2023, Third Coast Bancshares reportó $ 2.4 mil millones en cartera total de préstamos comerciales. El banco ofrece soluciones bancarias específicas para pequeñas y medianas empresas (PYME) en los mercados de Texas y Louisiana.

Segmento de negocios	Volumen total del préstamo	Tamaño promedio del préstamo
Préstamo comercial	$ 2.4 mil millones	$475,000
Banca de pequeñas empresas	$ 612 millones	$125,000

Tasas de préstamo competitivos para clientes comerciales y residenciales

A partir de enero de 2024, Third Coast Bancshares ofrece:

• Tasas de interés de préstamos comerciales que van desde 6.25% a 8.75%
• Tasas de hipoteca residencial entre 6.50% y 7.25%
• Tasas de préstamos para pequeñas empresas a 7.50% a 9.25%

Experiencias bancarias digitales y tradicionales integradas

Métricas de plataforma de banca digital a diciembre de 2023:

Servicio digital	Tasa de adopción de usuarios	Usuarios activos mensuales
Banca móvil	67%	42,500
Banca en línea	73%	55,200

Procesos de aprobación de préstamos rápidos

Métricas de eficiencia de procesamiento de préstamos para 2023:

• Tiempo promedio de aprobación de préstamos comerciales: 3.2 días
• Tiempo promedio de aprobación de préstamos para pequeñas empresas: 2.7 días
• Tasa de finalización de la solicitud de préstamo digital: 84%

Soluciones financieras centradas en la comunidad

Inversión comunitaria y datos de apoyo económico local para 2023:

Categoría de inversión comunitaria	Inversión total
Subvenciones de negocios locales	$ 3.1 millones
Préstamos de desarrollo comunitario	$ 47.6 millones
Soporte del sector sin fines de lucro	$ 2.3 millones

Third Coast Bancshares, Inc. (TCBX) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones bancarias personales

A partir del cuarto trimestre de 2023, Third Coast Bancshares emplea a 47 gerentes de relaciones bancarias personales dedicadas en sus 30 sucursales en Texas.

Segmento de clientes	Gerentes dedicados	Tamaño promedio de la cartera
Banca comercial	18	52 clientes comerciales
Banca personal	29	387 clientes individuales

Soporte bancario en línea y móvil

Third Coast Bancshares ofrece servicios de banca digital las siguientes métricas:

• Descargas de aplicaciones de banca móvil: 42,567
• Usuarios activos de banca en línea: 89,234
• Volumen de transacciones digitales: 1.2 millones de transacciones mensuales

Compromiso comunitario y redes locales

Actividad de compromiso	Frecuencia anual	Participantes
Eventos locales de redes comerciales	24	1.876 participantes
Patrocinios comunitarios	18	$ 327,000 de inversión total

Canales de servicio al cliente receptivos

Métricas de rendimiento del servicio al cliente:

• Tiempo de respuesta del centro de llamadas: promedio de 47 segundos
• Calificación de satisfacción del cliente: 4.6/5
• Canales de servicio: teléfono, correo electrónico, chat en vivo, en rama

Servicios de asesoramiento financiero a medida

Tipo de servicio de asesoramiento	Clientes anuales atendidos	Valor de cartera promedio
Gestión de patrimonio	1,243	$ 4.7 millones
Planificación de jubilación	2,567	$ 1.2 millones

Third Coast Bancshares, Inc. (TCBX) - Modelo de negocios: canales

Ubicaciones de ramas físicas

A partir del cuarto trimestre de 2023, Third Coast Bancshares opera 43 ubicaciones de ramas físicas en Texas, específicamente concentradas en Houston, Dallas-Fort Worth y las áreas metropolitanas de San Antonio.

Región	Número de ramas	Porcentaje de ramas totales
Metro de Houston	18	41.9%
Dallas-Fort Worth Metro	15	34.9%
Metro de San Antonio	10	23.2%

Plataforma bancaria en línea

Third Coast Bancshares ofrece una plataforma de banca en línea integral con las siguientes características:

• Gestión de cuentas
• Transferencias de fondos
• Servicios de pago de facturas
• Historial de transacciones
• Declaraciones digitales

Aplicación de banca móvil

La aplicación móvil del banco admite:

• Depósito de cheque móvil
• Alertas de cuenta en tiempo real
• Pagos de pares
• Localizador de ramas de cajero automático
• Gestión de tarjetas

Centros de llamadas de servicio al cliente

Horas de servicio	Canales de contacto
De lunes a viernes: 8 am-7pm CST	Teléfono: (832) 375-0800
Sábado: 9 am-2pm CST	Correo electrónico: clientservice@thirdcoastbank.com

Plataformas de comunicación digital

Third Coast Bancshares utiliza múltiples canales de comunicación digital:

• Sitio web oficial: tercercoastbank.com
• LinkedIn corporativo profile
• Twitter: @thirdcoastbank
• Página de negocios de Facebook

Third Coast Bancshares, Inc. (TCBX) - Modelo de negocio: segmentos de clientes

Empresas de Texas de tamaño pequeño a mediano

A partir del cuarto trimestre de 2023, Third Coast Bancshares atiende a aproximadamente 3.750 clientes comerciales pequeños a medianos en todo Texas. Cartera total de préstamos comerciales para este segmento: $ 487.3 millones.

Desglose del segmento de negocios	Número de clientes	Valor total del préstamo
Negocios minoristas	1,275	$ 156.2 millones
Empresas de servicios	1,125	$ 184.5 millones
Fabricación	850	$ 146.6 millones

Desarrolladores de bienes raíces comerciales locales

Portafolio de préstamos inmobiliarios comerciales: $ 612.4 millones, que representa el 42% del total de activos de préstamos.

• Préstamos de desarrollo inmobiliario activo: 187
• Tamaño promedio del préstamo: $ 3.27 millones
• Concentración geográfica: 93% en áreas metropolitanas de Texas

Clientes de banca minorista individual

Total de clientes de banca minorista: 48,725 al 31 de diciembre de 2023.

Tipo de cliente	Números de cuenta	Saldo de cuenta promedio
Comprobación personal	26,450	$8,375
Ahorros personales	22,275	$15,620

Proveedores de servicios profesionales

Segmento de clientes de servicios profesionales: 1,625 clientes con relaciones de banca comercial total de $ 276.8 millones.

• Profesionales legales: 425 clientes
• Proveedores de atención médica: 612 clientes
• Empresas de consultoría: 588 clientes

Empresarios agrícolas y rurales regionales

Portafolio de préstamos agrícolas: $ 214.6 millones, que atiende a 1,050 clientes comerciales agrícolas.

Subsector agrícola	Número de clientes	Valor de la cartera de préstamos
Producción de cultivos	425	$ 87.3 millones
Ganado	375	$ 62.5 millones
Servicios de agronegocios	250	$ 64.8 millones

Third Coast Bancshares, Inc. (TCBX) - Modelo de negocio: Estructura de costos

Gastos de mantenimiento de ramas operativas

A partir del año fiscal 2023, Third Coast Bancshares informó los siguientes costos de mantenimiento de la sucursal:

Categoría de gastos	Costo anual
Alquiler e instalaciones	$ 4.2 millones
Utilidades	$ 1.1 millones
Mantenimiento de la propiedad	$680,000

Inversiones de infraestructura tecnológica

El gasto tecnológico para el banco incluyó:

• Presupuesto anual de infraestructura de TI: $ 3.5 millones
• Inversiones de ciberseguridad: $ 1.2 millones
• Desarrollo de la plataforma de banca digital: $ 2.3 millones

Salarios y beneficios de los empleados

Categoría de compensación	Costo anual total
Salarios base	$ 22.6 millones
Seguro médico	$ 4.3 millones
Beneficios de jubilación	$ 3.1 millones
Bonos de rendimiento	$ 2.8 millones

Costos de cumplimiento regulatorio

Desglose de gastos relacionados con el cumplimiento:

• Departamento legal y de cumplimiento: $ 3.7 millones
• Auditoría y gestión de riesgos: $ 2.1 millones
• Sistemas de informes regulatorios: $ 1.4 millones

Gastos de marketing y adquisición de clientes

Canal de marketing	Gasto anual
Marketing digital	$ 1.6 millones
Publicidad tradicional	$890,000
Patrocinios comunitarios	$450,000

Estructura de costos anuales totales: aproximadamente $ 52.5 millones

Third Coast Bancshares, Inc. (TCBX) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos comerciales

Para el año fiscal 2023, Third Coast Bancshares reportó ingresos por intereses totales de $ 121.4 millones, con préstamos comerciales que contribuyen con $ 78.3 millones a este total.

Categoría de préstamo	Saldo total del préstamo	Tasa de interés promedio
Inmobiliario comercial	$ 643.2 millones	6.75%
Comercial & Préstamos industriales	$ 412.7 millones	7.25%

Tarifas de préstamos de hipotecas residenciales

Los préstamos hipotecarios residenciales generaron $ 15.6 millones en ingresos por tarifas para 2023.

• Tarifas de origen: $ 9.2 millones
• Tarifas de servicios hipotecarios: $ 4.3 millones
• Ventas de préstamos de mercado secundario: $ 2.1 millones

Cargos de servicio bancario digital

Los servicios de banca digital produjeron $ 7.8 millones en ingresos para el año.

Tipo de servicio	Ganancia	Base de usuarios
Banca en línea	$ 3.4 millones	42,500 usuarios
Banca móvil	$ 4.4 millones	38,200 usuarios

Servicios de inversión y gestión de patrimonio

Los servicios de inversión generaron $ 22.1 millones en ingresos para 2023.

• Activos bajo administración: $ 1.2 mil millones
• Ingresos de tarifa de asesoramiento: $ 12.6 millones
• Comisiones de corretaje: $ 9.5 millones

Tarifas de intercambio y transacción

Las tarifas relacionadas con la transacción totalizaron $ 11.2 millones en 2023.

Categoría de tarifa	Ingresos totales	Volumen de transacción
Intercambio de tarjetas de débito	$ 6.7 millones	2.3 millones de transacciones
Tarifas de transacción con tarjeta de crédito	$ 4.5 millones	1.1 millones de transacciones

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.