Third Coast Bancshares, Inc. (TCBX): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Third Coast Bancshares, Inc. (TCBX), uma instituição financeira dinâmica que remodelava o cenário bancário do Texas com seu inovador modelo de negócios em tela. Essa abordagem abrangente revela como o TCBX aproveita a experiência regional, a infraestrutura digital de ponta e as estratégias focadas na comunidade para fornecer soluções bancárias personalizadas que vão além dos serviços financeiros tradicionais. Das operações de empréstimos direcionadas a experiências digitais integradas, o modelo do banco demonstra uma abordagem sofisticada para atender às necessidades financeiras exclusivas das empresas e clientes individuais do Texas.

Third Coast Bancshares, Inc. (TCBX) - Modelo de negócios: Parcerias -chave

Instituições financeiras regionais e bancos comunitários

A partir do quarto trimestre de 2023, a terceira costa Bancshares mantém parcerias estratégicas com 37 instituições financeiras regionais no Texas e na Louisiana. A rede de parcerias do banco cobre aproximadamente US $ 2,4 bilhões em contratos de empréstimos e serviços financeiros colaborativos.

Tipo de parceria	Número de parcerias	Valor total colaborativo
Parcerias bancárias regionais	37	US $ 2,4 bilhões
Redes de bancos comunitários	24	US $ 1,6 bilhão

Recomendações imobiliárias locais e redes de empréstimos comerciais

A terceira costa Bancshares colabora com 42 empresas locais de desenvolvimento imobiliário, com os compromissos totais de empréstimos comerciais atingindo US $ 875 milhões em 2023.

• Parcerias imobiliárias comerciais: 42 empresas
• Compromissos totais de empréstimos comerciais: US $ 875 milhões
• Valor médio de parceria: US $ 20,8 milhões

Provedores de serviços de tecnologia para infraestrutura bancária digital

O banco estabeleceu parcerias com 6 provedores de serviços de tecnologia primária, investindo US $ 14,3 milhões em atualizações de infraestrutura bancária digital em 2023.

Provedor de tecnologia	Foco de serviço	Valor do investimento
Sistemas bancários principais	Gerenciamento de plataforma digital	US $ 6,2 milhões
Provedores de segurança cibernética	Proteção de rede	US $ 4,1 milhões
Serviços em nuvem	Escalabilidade da infraestrutura	US $ 4 milhões

Provedores de seguros e serviços financeiros

A terceira costa Bancshares mantém relacionamentos com 18 provedores de seguros e serviços financeiros, com fluxos de receita colaborativa, totalizando US $ 62,5 milhões em 2023.

Empresas de conformidade e auditoria regulatórias

O banco trabalha com 4 empresas especializadas de conformidade e auditoria regulatórias, gastando US $ 3,7 milhões em serviços abrangentes de conformidade em 2023.

Tipo de serviço de conformidade	Número de empresas parceiras	Gasto total de conformidade
Serviços de auditoria regulatória	4	US $ 3,7 milhões

Third Coast Bancshares, Inc. (TCBX) - Modelo de negócios: Atividades -chave

Operações de empréstimos comerciais e residenciais

Portfólio total de empréstimos a partir do terceiro trimestre 2023: US $ 4,47 bilhões

Categoria de empréstimo	Montante total	Percentagem
Imóveis comerciais	US $ 2,84 bilhões	63.5%
Hipoteca residencial	US $ 1,12 bilhão	25.1%
Empréstimos de construção	US $ 510 milhões	11.4%

Gerenciamento de contas de depósito e poupança

Total de depósitos a partir do terceiro trimestre 2023: US $ 5,16 bilhões

• Depósitos não com juros: US $ 1,23 bilhão
• Contas de corrente portadoras de juros: US $ 2,47 bilhões
• Contas de poupança: US $ 890 milhões
• Contas do mercado monetário: US $ 540 milhões

Desenvolvimento da plataforma bancária digital

Investimento bancário digital para 2023: US $ 6,2 milhões

Serviço digital	Taxa de adoção do usuário
Mobile Banking	78%
Pagamento on -line	62%
Captura de depósito remoto	55%

Gerenciamento de riscos e avaliação de crédito

Orçamento de gerenciamento de riscos para 2023: US $ 4,5 milhões

• Pontuação de crédito médio para empréstimos comerciais: 715
• Reserva de perda de empréstimo: US $ 47,3 milhões
• Razão de empréstimos não-desempenho: 1,2%

Estratégias de fusão e aquisição no mercado bancário do Texas

Investimento total de fusões e aquisições em 2023: US $ 82,6 milhões

Instituição -alvo	Valor da transação	Data de aquisição
Banco da Costa do Golfo	US $ 42,3 milhões	Junho de 2023
Banco Comunitário Central do Texas	US $ 40,3 milhões	Setembro de 2023

Third Coast Bancshares, Inc. (TCBX) - Modelo de negócios: Recursos -chave

Forte Rede Regional de Filial no Texas

A partir do quarto trimestre 2023, a terceira costa Bancshares opera 34 locais bancários de serviço completo em todo o Texas, concentrados principalmente em:

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

Região	Número de ramificações	Penetração de mercado
Metro de Houston	14	41.2%
Dallas-Fort Worth	9	26.5%
San Antonio	6	17.6%
Metro Austin	5	14.7%

Equipe de liderança bancária experiente

Composição da equipe de liderança em 2024:

• Total de membros da equipe executiva: 7
• Experiência bancária média: 22 anos
• Experiência cumulativa de liderança em serviços financeiros: 154 anos

Tecnologia bancária digital robusta

Infraestrutura bancária digital:

• Usuários da plataforma bancária móvel: 62.400
• Penetração bancária online: 73,5%
• Volume de transação digital: 1,2 milhão de transações mensais

Reservas de capital substanciais

Métrica de capital	Quantia	Percentagem
Capital total	US $ 487,3 milhões	12.4%
Índice de capital de camada 1	US $ 412,6 milhões	10.5%
Nível de patrimônio líquido comum 1	US $ 389,4 milhões	9.9%

Dados financeiros abrangentes do cliente

Métricas de dados do cliente:

• Total de contas de clientes: 86.300
• Clientes bancários comerciais: 4.200
• Clientes bancários pessoais: 82.100
• Valor médio do relacionamento do cliente: US $ 124.600

Third Coast Bancshares, Inc. (TCBX) - Modelo de negócios: proposições de valor

Serviços bancários personalizados para empresas locais

A partir do quarto trimestre de 2023, a terceira costa Bancshares registrou US $ 2,4 bilhões em um portfólio total de empréstimos comerciais. O banco fornece soluções bancárias direcionadas para pequenas e médias empresas (PMEs) nos mercados do Texas e da Louisiana.

Segmento de negócios	Volume total de empréstimos	Tamanho médio do empréstimo
Empréstimos comerciais	US $ 2,4 bilhões	$475,000
Bancos de pequenas empresas	US $ 612 milhões	$125,000

Taxas de empréstimos competitivos para clientes comerciais e residenciais

Em janeiro de 2024, a terceira costa Bancshares oferece:

• Taxas de juros de empréstimos comerciais que variam de 6,25% a 8,75%
• Taxas de hipoteca residencial entre 6,50% e 7,25%
• Taxas de empréstimos para pequenas empresas em 7,50% a 9,25%

Experiências bancárias digitais e tradicionais integradas

Métricas da plataforma bancária digital em dezembro de 2023:

Serviço digital	Taxa de adoção do usuário	Usuários ativos mensais
Mobile Banking	67%	42,500
Bancos online	73%	55,200

Processos rápidos de aprovação de empréstimos

Métricas de eficiência de processamento de empréstimos para 2023:

• Tempo médio de aprovação do empréstimo comercial: 3,2 dias
• Tempo médio de aprovação de empréstimos para pequenas empresas: 2,7 dias
• Taxa de conclusão do pedido de empréstimo digital: 84%

Soluções financeiras focadas na comunidade

Investimento comunitário e dados de apoio econômico local para 2023:

Categoria de investimento comunitário	Investimento total
Subsídios de negócios locais	US $ 3,1 milhões
Empréstimos de desenvolvimento comunitário	US $ 47,6 milhões
Suporte ao setor sem fins lucrativos	US $ 2,3 milhões

Third Coast Bancshares, Inc. (TCBX) - Modelo de negócios: Relacionamentos do cliente

Gerentes de relacionamento bancário pessoal

A partir do quarto trimestre 2023, a terceira costa Bancshares emprega 47 gerentes de relacionamento bancários pessoais dedicados em seus 30 locais de filiais no Texas.

Segmento de clientes	Gerentes dedicados	Tamanho médio do portfólio
Bancos comerciais	18	52 clientes comerciais
Bancos pessoais	29	387 clientes individuais

Suporte bancário online e móvel

A terceira costa Bancshares fornece serviços bancários digitais com as seguintes métricas:

• Downloads de aplicativos bancários móveis: 42.567
• Usuários ativos bancários on -line: 89.234
• Volume de transação digital: 1,2 milhão de transações mensais

Engajamento da comunidade e redes locais

Atividade de engajamento	Frequência anual	Participantes
Eventos de rede de negócios locais	24	1.876 participantes
Patrocínio da comunidade	18	US $ 327.000 investimentos totais

Canais de atendimento ao cliente responsivos

Métricas de desempenho do atendimento ao cliente:

• Tempo de resposta de call center: 47 segundos média
• Classificação de satisfação do cliente: 4.6/5
• Canais de serviço: telefone, e-mail, bate-papo ao vivo, no ramo

Serviços de consultoria financeira personalizada

Tipo de serviço de consultoria	Clientes anuais atendidos	Valor médio do portfólio
Gestão de patrimônio	1,243	US $ 4,7 milhões
Planejamento de aposentadoria	2,567	US $ 1,2 milhão

Third Coast Bancshares, Inc. (TCBX) - Modelo de negócios: canais

Locais de ramificação física

A partir do quarto trimestre de 2023, a terceira costa Bancshares opera 43 localizações de filiais físicas em todo o Texas, concentradas especificamente em áreas metropolitanas de Houston, Dallas-Fort e San Antonio.

Região	Número de ramificações	Porcentagem de ramificações totais
Metro de Houston	18	41.9%
Dallas-Fort Worth Metro	15	34.9%
San Antonio Metro	10	23.2%

Plataforma bancária online

A terceira costa Bancshares fornece uma plataforma bancária on -line abrangente com os seguintes recursos:

• Gerenciamento de contas
• Transferências de fundos
• Serviços de pagamento da conta
• Histórico de transações
• Declarações digitais

Aplicativo bancário móvel

O aplicativo móvel do banco suporta:

• Depósito de cheque móvel
• Alertas de conta em tempo real
• Pagamentos ponto a ponto
• Localizador ATM/Branch
• Gerenciamento de cartões

Centros de atendimento ao cliente

Horário de serviço	Canais de contato
Segunda a sexta-feira: 8h às 19h CST	Telefone: (832) 375-0800
Sábado: 9h às 14h CST	E -mail: clusterservice@thirdcoastbank.com

Plataformas de comunicação digital

A terceira costa Bancshares utiliza vários canais de comunicação digital:

• Site oficial: terceiroaastbank.com
• LinkedIn Corporate profile
• Twitter: @thirdcoastbank
• Página comercial do Facebook

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

Pequenas e médias empresas do Texas

A partir do quarto trimestre de 2023, a terceira costa Bancshares atende aproximadamente 3.750 clientes comerciais pequenos e médios em todo o Texas. Portfólio total de empréstimos comerciais para este segmento: US $ 487,3 milhões.

Aparelhamento do segmento de negócios	Número de clientes	Valor total do empréstimo
Negócios de varejo	1,275	US $ 156,2 milhões
Negócios de serviço	1,125	US $ 184,5 milhões
Fabricação	850	US $ 146,6 milhões

Promotores imobiliários comerciais locais

Portfólio de empréstimos imobiliários comerciais: US $ 612,4 milhões, representando 42% do total de ativos de empréstimos.

• Empréstimos ativos de desenvolvimento imobiliário: 187
• Tamanho médio do empréstimo: US $ 3,27 milhões
• Concentração geográfica: 93% nas áreas metropolitanas do Texas

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 48.725 em 31 de dezembro de 2023.

Tipo de cliente	Números de conta	Saldo médio da conta
Verificação pessoal	26,450	$8,375
Economia pessoal	22,275	$15,620

Provedores de serviços profissionais

Segmento de clientes de serviços profissionais: 1.625 clientes com relacionamentos bancários de negócios totais de US $ 276,8 milhões.

• Profissionais jurídicos: 425 clientes
• Provedores de saúde: 612 clientes
• Empresas de consultoria: 588 clientes

Empreendedores Agrícolas e Rurais Regionais

Portfólio de empréstimos agrícolas: US $ 214,6 milhões, atendendo a 1.050 clientes de negócios agrícolas.

Subsetor Agrícola	Número de clientes	Valor da carteira de empréstimos
Produção agrícola	425	US $ 87,3 milhões
Gado	375	US $ 62,5 milhões
Serviços de agronegócio	250	US $ 64,8 milhões

Third Coast Bancshares, Inc. (TCBX) - Modelo de negócios: estrutura de custos

Despesas de manutenção de ramificação operacional

No ano fiscal de 2023, a terceira costa Bancshares relatou os seguintes custos de manutenção da filial:

Categoria de despesa	Custo anual
Aluguel e instalações	US $ 4,2 milhões
Utilitários	US $ 1,1 milhão
Manutenção de propriedades	$680,000

Investimentos de infraestrutura de tecnologia

Os gastos com tecnologia para o banco incluíram:

• Orçamento anual de infraestrutura de TI: US $ 3,5 milhões
• Investimentos de segurança cibernética: US $ 1,2 milhão
• Desenvolvimento da plataforma bancária digital: US $ 2,3 milhões

Salários e benefícios dos funcionários

Categoria de compensação	Custo anual total
Salários da base	US $ 22,6 milhões
Seguro de saúde	US $ 4,3 milhões
Benefícios de aposentadoria	US $ 3,1 milhões
Bônus de desempenho	US $ 2,8 milhões

Custos de conformidade regulatória

Redução de despesas relacionadas à conformidade:

• Departamento Legal e de Conformidade: US $ 3,7 milhões
• Auditoria e gerenciamento de riscos: US $ 2,1 milhões
• Sistemas de relatórios regulatórios: US $ 1,4 milhão

Despesas de marketing e aquisição de clientes

Canal de marketing	Despesas anuais
Marketing digital	US $ 1,6 milhão
Publicidade tradicional	$890,000
Patrocínio da comunidade	$450,000

Estrutura de custo anual total: aproximadamente US $ 52,5 milhões

Third Coast Bancshares, Inc. (TCBX) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais

Para o ano fiscal de 2023, a terceira costa Bancshares registrou receita total de juros de US $ 121,4 milhões, com empréstimos comerciais contribuindo com US $ 78,3 milhões para esse total.

Categoria de empréstimo	Saldo total de empréstimo	Taxa de juros média
Imóveis comerciais	US $ 643,2 milhões	6.75%
Comercial & Empréstimos industriais	US $ 412,7 milhões	7.25%

Taxas de empréstimo de hipoteca residencial

Os empréstimos hipotecários residenciais geraram US $ 15,6 milhões em receita de taxas para 2023.

• Taxas de originação: US $ 9,2 milhões
• Taxas de manutenção de hipotecas: US $ 4,3 milhões
• Vendas secundárias de empréstimos de mercado: US $ 2,1 milhões

Cobranças de serviço bancário digital

Os serviços bancários digitais produziram US $ 7,8 milhões em receita para o ano.

Tipo de serviço	Receita	Base de usuários
Bancos online	US $ 3,4 milhões	42.500 usuários
Mobile Banking	US $ 4,4 milhões	38.200 usuários

Serviços de investimento e gerenciamento de patrimônio

Os serviços de investimento geraram US $ 22,1 milhões em receita para 2023.

• Ativos sob gestão: US $ 1,2 bilhão
• Receita da taxa de consultoria: US $ 12,6 milhões
• Comissões de corretagem: US $ 9,5 milhões

Taxas de intercâmbio e transação

As taxas relacionadas à transação totalizaram US $ 11,2 milhões em 2023.

Categoria de taxa	Receita total	Volume de transação
Intercâmbio de cartão de débito	US $ 6,7 milhões	2,3 milhões de transações
Taxas de transação de cartão de crédito	US $ 4,5 milhões	1,1 milhão de transações

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.