Financial insights of TCBX

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	316,215
Investment securities available-for-sale	23,951
Investment securities held-to-maturity	7,170
Federal funds sold and other	6,694
Total interest income	354,030
Deposit accounts	150,321
Fhlb advances and other borrowings	8,492
Total interest expense	158,813
Net interest (expense) income	195,217
Provision for credit losses	7,588
Net interest income after provision for credit losses	187,629
Services charges and fees	10,759
Earnings on bank-owned life insurance	3,017
(loss) gain on sale of investment securities available-for-sale	-610
Gain on sales of sba loans	74
Other	413
Total noninterest income	13,653
Salaries and employee benefits	77,189
Occupancy and equipment expense	11,323
Legal and professional	7,462
Data processing and network expense	4,572
Regulatory assessments	4,833
Advertising and marketing	2,144
Software purchases and maintenance	4,569
Loan operations and other real estate owned expense	1,134
Telephone and communications	550
Other	4,761
Total noninterest expense	118,537
Net income before income tax expense	82,745
Income tax expense	16,454
Net income	66,291
Preferred stock dividends declared	4,750
Net income available to common shareholders	61,541

Basic EPS	4.45
Diluted EPS	3.79
Basic Average Shares	13,841,230
Diluted Average Shares	17,477,207