Third Coast Bancshares, Inc. (TCBX): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Third Coast Bancshares, Inc. (TCBX), une institution financière dynamique remodelant le paysage bancaire du Texas avec sa toile de modèle commercial innovant. Cette approche complète révèle comment TCBX exploite l'expertise régionale, l'infrastructure numérique de pointe et les stratégies axées sur la communauté pour fournir des solutions bancaires personnalisées qui vont au-delà des services financiers traditionnels. Des opérations de prêt ciblées aux expériences numériques intégrées, le modèle de la banque démontre une approche sophistiquée pour répondre aux besoins financiers uniques des entreprises du Texas et des clients individuels.

Third Coast Bancshares, Inc. (TCBX) - Modèle commercial: partenariats clés

Institutions financières régionales et banques communautaires

Au quatrième trimestre 2023, la troisième côte Bancshares maintient des partenariats stratégiques avec 37 institutions financières régionales à travers le Texas et la Louisiane. Le réseau de partenariat de la banque couvre environ 2,4 milliards de dollars en accords de prêts collaboratifs et de services financiers.

Type de partenariat	Nombre de partenariats	Valeur collaborative totale
Partenariats des banques régionales	37	2,4 milliards de dollars
Réseaux de banques communautaires	24	1,6 milliard de dollars

Promoteurs immobiliers locaux et réseaux de prêt commercial

Third Coast Bancshares collabore avec 42 sociétés de développement immobilier locales, avec des engagements de prêts commerciaux totaux atteignant 875 millions de dollars en 2023.

• Partenariats immobiliers commerciaux: 42 entreprises
• Engagements totaux de prêt commercial: 875 millions de dollars
• Valeur du partenariat moyen: 20,8 millions de dollars

Fournisseurs de services technologiques pour les infrastructures bancaires numériques

La banque a établi des partenariats avec 6 fournisseurs de services technologiques primaires, investissant 14,3 millions de dollars dans les mises à niveau des infrastructures bancaires numériques en 2023.

Fournisseur de technologie	Focus du service	Montant d'investissement
Systèmes bancaires de base	Gestion de la plate-forme numérique	6,2 millions de dollars
Fournisseurs de cybersécurité	Protection des réseaux	4,1 millions de dollars
Services cloud	Évolutivité des infrastructures	4 millions de dollars

Fournisseurs d'assurance et de services financiers

Third Coast Bancshares entretient des relations avec 18 fournisseurs d'assurance et de services financiers, avec des sources de revenus collaboratives totalisant 62,5 millions de dollars en 2023.

Compliance réglementaire et cabinets d'audit

La banque travaille avec 4 cabinets spécialisés de conformité et d'audit réglementaires, dépensant 3,7 millions de dollars en services de conformité complets en 2023.

Type de service de conformité	Nombre d'entreprises partenaires	Dépenses de conformité totale
Services d'audit réglementaire	4	3,7 millions de dollars

Third Coast Bancshares, Inc. (TCBX) - Modèle d'entreprise: Activités clés

Opérations de prêt commercial et résidentiel

Portfolio total des prêts au troisième trimestre 2023: 4,47 milliards de dollars

Catégorie de prêt	Montant total	Pourcentage
Immobilier commercial	2,84 milliards de dollars	63.5%
Hypothèque résidentielle	1,12 milliard de dollars	25.1%
Prêts de construction	510 millions de dollars	11.4%

Gestion des comptes de dépôt et d'épargne

Dépôts totaux au troisième trimestre 2023: 5,16 milliards de dollars

• Dépôts sans intérêt: 1,23 milliard de dollars
• Comptes de chèque d'intérêt: 2,47 milliards de dollars
• Comptes d'épargne: 890 millions de dollars
• Comptes de marché monétaire: 540 millions de dollars

Développement de la plate-forme bancaire numérique

Investissement bancaire numérique pour 2023: 6,2 millions de dollars

Service numérique	Taux d'adoption des utilisateurs
Banque mobile	78%
Payage des factures en ligne	62%
Capture de dépôt à distance	55%

Gestion des risques et évaluation du crédit

Budget de gestion des risques pour 2023: 4,5 millions de dollars

• Score de crédit moyen pour les prêts commerciaux: 715
• Réserve de perte de prêt: 47,3 millions de dollars
• Ratio de prêts non performants: 1,2%

Stratégies de fusion et d'acquisition sur le marché bancaire du Texas

Investissement total de fusions et acquisitions en 2023: 82,6 millions de dollars

Institution cible	Valeur de transaction	Date d'acquisition
Banque côtière du Golfe	42,3 millions de dollars	Juin 2023
Central Texas Community Bank	40,3 millions de dollars	Septembre 2023

Third Coast Bancshares, Inc. (TCBX) - Modèle commercial: Ressources clés

Strong Regional Branch Network au Texas

Au quatrième trimestre 2023, la troisième côte Bancshares exploite 34 emplacements bancaires à service complet à travers le Texas, principalement concentrés dans:

• Région métropolitaine de Houston
• Région de Dallas-Fort Worth
• Marché de San Antonio
• Région métropolitaine d'Austin

Région	Nombre de branches	Pénétration du marché
Metro de Houston	14	41.2%
Dallas-Fort Worth	9	26.5%
San Antonio	6	17.6%
Metro d'Austin	5	14.7%

Équipe de leadership bancaire expérimentée

Composition de l'équipe de leadership à partir de 2024:

• Membres totaux de l'équipe de direction: 7
• Expérience bancaire moyenne: 22 ans
• Expérience en leadership cumulatif dans les services financiers: 154 ans

Technologie bancaire numérique robuste

Infrastructure bancaire numérique:

• Utilisateurs de la plate-forme bancaire mobile: 62 400
• Pénétration des services bancaires en ligne: 73,5%
• Volume de transactions numériques: 1,2 million de transactions mensuelles

Réserves de capital substantielles

Métrique capitale	Montant	Pourcentage
Capital total	487,3 millions de dollars	12.4%
Ratio de capital de niveau 1	412,6 millions de dollars	10.5%
Niveau de capitaux propres commun	389,4 millions de dollars	9.9%

Données financières complètes des clients

Métriques des données clients:

• Comptes clients totaux: 86 300
• Clients bancaires commerciaux: 4 200
• Clients bancaires personnels: 82 100
• Valeur moyenne de la relation client: 124 600 $

Third Coast Bancshares, Inc. (TCBX) - Modèle d'entreprise: propositions de valeur

Services bancaires personnalisés pour les entreprises locales

Au quatrième trimestre 2023, Third Coast Bancshares a déclaré 2,4 milliards de dollars de portefeuille de prêts commerciaux totaux. La banque fournit des solutions bancaires ciblées pour les petites et moyennes entreprises (PME) sur les marchés du Texas et de la Louisiane.

Segment d'entreprise	Volume total des prêts	Taille moyenne du prêt
Prêts commerciaux	2,4 milliards de dollars	$475,000
Banque des petites entreprises	612 millions de dollars	$125,000

Taux de prêt compétitifs pour les clients commerciaux et résidentiels

En janvier 2024, la troisième côte Bancshares propose:

• Des taux d'intérêt de prêt commercial allant de 6,25% à 8,75%
• Taux hypothécaires résidentiels entre 6,50% et 7,25%
• Taux de prêt aux petites entreprises à 7,50% à 9,25%

Expériences bancaires numériques et traditionnelles intégrées

Métriques de la plate-forme bancaire numérique en décembre 2023:

Service numérique	Taux d'adoption des utilisateurs	Utilisateurs actifs mensuels
Banque mobile	67%	42,500
Banque en ligne	73%	55,200

Processus d'approbation des prêts rapides

Mesures d'efficacité de traitement des prêts pour 2023:

• Temps d'approbation du prêt commercial moyen: 3,2 jours
• Temps d'approbation moyen des petites entreprises: 2,7 jours
• Taux d'achèvement de la demande de prêt numérique: 84%

Solutions financières axées sur la communauté

Investissement communautaire et données de soutien économique locales pour 2023:

Catégorie d'investissement communautaire	Investissement total
Subventions commerciales locales	3,1 millions de dollars
Prêts de développement communautaire	47,6 millions de dollars
Support du secteur à but non lucratif	2,3 millions de dollars

Third Coast Bancshares, Inc. (TCBX) - Modèle d'entreprise: relations avec les clients

Gestionnaires de relations bancaires personnelles

Au quatrième trimestre 2023, la troisième côte Bancshares emploie 47 gestionnaires de relations bancaires personnelles dédiés dans ses 30 succursales au Texas.

Segment de clientèle	Managers dévoués	Taille moyenne du portefeuille
Banque commerciale	18	52 clients commerciaux
Banque personnelle	29	387 clients individuels

Assistance bancaire en ligne et mobile

Third Coast Bancshares fournit des services bancaires numériques avec les mesures suivantes:

• Téléchargements d'applications bancaires mobiles: 42 567
• Banque en ligne utilisateurs actifs: 89 234
• Volume de transactions numériques: 1,2 million de transactions mensuelles

Engagement communautaire et réseautage local

Activité d'engagement	Fréquence annuelle	Participants
Événements de réseautage commercial local	24	1 876 participants
Parrainages communautaires	18	327 000 $ Investissement total

Canaux de service à la clientèle réactifs

Métriques de performance du service client:

• Temps de réponse du centre d'appels: 47 secondes moyennes
• Évaluation de satisfaction du client: 4.6 / 5
• Channeaux de service: téléphone, e-mail, chat en direct, branche

Services de conseil financier sur mesure

Type de service consultatif	Les clients annuels ont servi	Valeur de portefeuille moyenne
Gestion de la richesse	1,243	4,7 millions de dollars
Planification de la retraite	2,567	1,2 million de dollars

Third Coast Bancshares, Inc. (TCBX) - Modèle d'entreprise: canaux

Emplacements de branche physiques

Depuis le quatrième trimestre 2023, Third Coast Bancshares exploite 43 succursales physiques à travers le Texas, spécifiquement concentrées dans les régions métropolitaines de Houston, Dallas-Fort et San Antonio.

Région	Nombre de branches	Pourcentage de branches totales
Metro de Houston	18	41.9%
Dallas-Fort Worth Metro	15	34.9%
Métro de San Antonio	10	23.2%

Plateforme bancaire en ligne

Third Coast Bancshares fournit une plate-forme bancaire en ligne complète avec les fonctionnalités suivantes:

• Gestion des comptes
• Transferts de fonds
• Services de paiement de factures
• Historique des transactions
• Déclarations numériques

Application bancaire mobile

L'application mobile de la banque prend en charge:

• Dépôt de chèques mobiles
• Alertes de compte en temps réel
• Paiements de pairs
• ATM / Branch Locator
• Gestion des cartes

Centres d'appels de service client

Heures de service	Canaux de contact
Du lundi au vendredi: 8 h à 19 h CST	Téléphone: (832) 375-0800
Samedi: 9h-14h CST	Courriel: clientService@thirdcoastbank.com

Plateformes de communication numérique

Third Coast Bancshares utilise plusieurs canaux de communication numériques:

• Site officiel: ThirdCoastBank.com
• LinkedIn Corporate profile
• Twitter: @thirdcoastbank
• Page d'activité Facebook

Third Coast Bancshares, Inc. (TCBX) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises du Texas

Au quatrième trimestre 2023, Third Coast Bancshares dessert environ 3 750 clients commerciaux de taille petite et moyenne à travers le Texas. Portfolio total de prêts commerciaux pour ce segment: 487,3 millions de dollars.

Répartition des segments des entreprises	Nombre de clients	Valeur totale du prêt
Commerces de détail	1,275	156,2 millions de dollars
Entreprises de services	1,125	184,5 millions de dollars
Fabrication	850	146,6 millions de dollars

Promoteurs immobiliers commerciaux locaux

Portefeuille de prêts immobiliers commerciaux: 612,4 millions de dollars, ce qui représente 42% du total des actifs de prêt.

• Prêts actifs de développement immobilier: 187
• Taille moyenne du prêt: 3,27 millions de dollars
• Concentration géographique: 93% dans les régions métropolitaines du Texas

Clients bancaires de détail individuels

Total des clients bancaires au détail: 48 725 au 31 décembre 2023.

Type de client	Numéros de compte	Solde moyen du compte
Vérification personnelle	26,450	$8,375
Économies personnelles	22,275	$15,620

Fournisseurs de services professionnels

Segment des clients des services professionnels: 1 625 clients ayant des relations bancaires en affaires totales de 276,8 millions de dollars.

• Professionnels juridiques: 425 clients
• Fournisseurs de soins de santé: 612 clients
• Sociétés de conseil: 588 clients

Entrepreneurs régionaux agricoles et ruraux

Portefeuille de prêts agricoles: 214,6 millions de dollars, desservant 1 050 clients commerciaux agricoles.

Sous-secteur agricole	Nombre de clients	Valeur du portefeuille de prêts
Production agricole	425	87,3 millions de dollars
Bétail	375	62,5 millions de dollars
Services agroalités	250	64,8 millions de dollars

Third Coast Bancshares, Inc. (TCBX) - Modèle d'entreprise: Structure des coûts

Frais de maintenance des succursales opérationnelles

Depuis l'exercice 2023, la troisième côte Bancshares a rapporté les coûts d'entretien des succursales suivantes:

Catégorie de dépenses	Coût annuel
Loyer et installations	4,2 millions de dollars
Services publics	1,1 million de dollars
Maintenance des biens	$680,000

Investissements infrastructures technologiques

Les dépenses technologiques pour la banque comprenaient:

• Budget annuel des infrastructures informatiques: 3,5 millions de dollars
• Investissements en cybersécurité: 1,2 million de dollars
• Développement de la plate-forme bancaire numérique: 2,3 millions de dollars

Salaires et avantages sociaux des employés

Catégorie de compensation	Coût annuel total
Salaires de base	22,6 millions de dollars
Assurance maladie	4,3 millions de dollars
Prestations de retraite	3,1 millions de dollars
Bonus de performance	2,8 millions de dollars

Coûts de conformité réglementaire

Répartition des dépenses liées à la conformité:

• Département juridique et de conformité: 3,7 millions de dollars
• Audit et gestion des risques: 2,1 millions de dollars
• Systèmes de rapports réglementaires: 1,4 million de dollars

Frais de marketing et d'acquisition des clients

Canal de marketing	Dépenses annuelles
Marketing numérique	1,6 million de dollars
Publicité traditionnelle	$890,000
Parrainages communautaires	$450,000

Structure totale des coûts annuels: environ 52,5 millions de dollars

Third Coast Bancshares, Inc. (TCBX) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts commerciaux

Pour l'exercice 2023, la troisième côte Bancshares a déclaré un revenu total d'intérêts de 121,4 millions de dollars, les prêts commerciaux contribuant à 78,3 millions de dollars à ce total.

Catégorie de prêt	Solde total des prêts	Taux d'intérêt moyen
Immobilier commercial	643,2 millions de dollars	6.75%
Commercial & Prêts industriels	412,7 millions de dollars	7.25%

Frais de prêt hypothécaire résidentiel

Les prêts hypothécaires résidentiels ont généré 15,6 millions de dollars de revenus de frais pour 2023.

• Frais d'origine: 9,2 millions de dollars
• Frais de service hypothécaire: 4,3 millions de dollars
• Ventes de prêts sur le marché secondaire: 2,1 millions de dollars

Frais de service bancaire numérique

Les services bancaires numériques ont produit 7,8 millions de dollars de revenus pour l'année.

Type de service	Revenu	Base d'utilisateurs
Banque en ligne	3,4 millions de dollars	42 500 utilisateurs
Banque mobile	4,4 millions de dollars	38 200 utilisateurs

Services d'investissement et de gestion de la patrimoine

Les services d'investissement ont généré 22,1 millions de dollars de revenus pour 2023.

• Actif sous gestion: 1,2 milliard de dollars
• Revenu des frais de conseil: 12,6 millions de dollars
• Commissions de courtage: 9,5 millions de dollars

Échanges et frais de transaction

Les frais liés aux transactions ont totalisé 11,2 millions de dollars en 2023.

Catégorie de frais	Revenus totaux	Volume de transaction
Échange de carte de débit	6,7 millions de dollars	2,3 millions de transactions
Frais de transaction de carte de crédit	4,5 millions de dollars	1,1 million de transactions

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.