Third Coast Bancshares: 3 Key Takeaways for Long-Term Investors

On its third-quarter 2026 earnings call, held on Oct. 22, 2026, Third Coast Bancshares (NYSE:TCBX) reported adjusted net income, which excludes one-time merger expenses, of $21.6 million. The bank continues to shift toward low-cost core deposits. It is expanding into new regional markets to build long-term earning power. Three things management said stand out for long-term investors. Noninterest-bearing demand deposits, which are customer checking accounts that pay no interest, grew sharply over the past year and ended the quarter at $721 million. Building low-cost core funding improves net interest margins and reduces reliance on expensive wholesale deposits.

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