| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 48,393 | 30,336 |
| Provision for credit losses | 5,343 | 2,580 |
| Changes in deferred tax, net | 2,764 | 1,189 |
| Share-based compensation | 1,158 | 738 |
| Loss on sale of other real estate owned | - | -3 |
| Loss on sale of investment securities available-for-sale | -338 | -338 |
| Gain on sale of sba loans | 74 | 74 |
| Write-up of other real estate owned | -213 | -184 |
| Write-down of fixed assets | 9 | 9 |
| Accretion of premium on securities, net | 1,538 | 332 |
| Accretion of gain on terminated cash flow hedges | 2,415 | 1,597 |
| Accretion of loan fees | 9,527 | 7,136 |
| Amortization of subordinated debt origination costs | 154 | 103 |
| Depreciation and amortization | 3,559 | 2,373 |
| Earnings on bank-owned life insurance | 2,206 | 1,420 |
| Net change in operating leases | 21 | 29 |
| Net change in derivative assets and liabilities | 699 | 700 |
| Accrued interest receivable and other assets | 10,196 | 4,640 |
| Accrued interest payable and other liabilities | 8,830 | 1,339 |
| Net cash provided by operating activities | 45,099 | 24,354 |
| Net increase (decrease) in interest bearing deposits in other banks | 91 | 94 |
| Net purchase of non-marketable equity securities | -10,177 | -2,781 |
| Purchases | 5,155,118 | 50,700 |
| Sales | 53,407 | 53,407 |
| Maturities, calls and principal paydowns | 5,117,060 | 31,166 |
| Purchases of investment securities held-to-maturity | 206,074 | 206,074 |
| Proceeds from termination of derivative instruments | 1,506 | 1,506 |
| Net originations on loans held for investment | 199,496 | 116,230 |
| Net additions to bank premises and equipment | 1,580 | 748 |
| Proceeds from sales of foreclosed assets | 655 | 137 |
| Purchase of bank owned life insurance | 5,000 | 5,000 |
| Net cash used in investing activities | -404,726 | -295,223 |
| Net increase in deposits | -62,243 | 29,629 |
| Net advance (repayment) of line of credit - senior debt | 2,000 | 0 |
| Forfeiture of restricted stock grants withheld to satisfy tax obligations | 32 | 27 |
| Proceeds from stock options exercised | 779 | 647 |
| Dividends paid on series a preferred stock | 3,553 | 2,368 |
| Net cash (used in) provided by financing activities | 61,437 | -31,377 |
| Change in cash and cash equivalents | -298,190 | -302,246 |
| Cash and cash equivalents at beginning of period | 421,202 | - |
| Cash and cash equivalents at end of period | 123,012 | - |
Third Coast Bancshares, Inc. (TCBX)
Third Coast Bancshares, Inc. (TCBX)