Third Coast Sets Late‑January Results Release and Live Q&A — What Investors Need to Hear

Release timing and live call details

Third Coast Bancshares (TCBX) will issue its fourth‑quarter and full‑year 2025 financial results after the market close on Wednesday, Jan. 21, 2026. Management has scheduled a live conference call and webcast for Thursday, Jan. 22 at 10:00 a.m. Central time (11:00 a.m. Eastern) to discuss the results and take questions from analysts and investors.

How to join the live call and get the replay

The easiest way to listen is the live webcast, which will stream from the company’s investor relations page on the corporate website. Phone participation typically requires registration in advance; once registered, callers receive local and toll‑free dial‑in numbers plus an entry passcode. If you prefer to listen by phone, use the registration link on Third Coast’s investor relations page to secure a dial‑in and passcode.

An audio replay of the call will be posted on the investor relations page shortly after the event and generally remains available for at least 30 to 90 days. If you plan to listen live by phone, register early — slots for operator‑assisted Q&A and available lines can fill up quickly on busy earnings days.

What financials and commentary will move the stock

Investors should focus on a handful of items that matter most for a regional bank like Third Coast (TCBX). First, revenue trends and net interest margin. With rates having moved around over the past year, the stretch between what banks earn on loans and pay on deposits is key. A steady or rising margin will be read as good news; a surprise compression will make the stock vulnerable.

Second, credit quality. Expect management to disclose loan‑loss provisioning, nonperforming loans, and any changes in charge‑off trends. If provisions jump or delinquencies rise, that will be interpreted as higher credit risk and could pressure the share price. Conversely, a stable or improving credit picture would be supportive.

Third, deposit trends and funding costs. Investors want to know whether core deposits held up during the quarter, how much outflow there was, and how expensive short‑term funding or brokered deposits have become. Shrinking low‑cost deposits or a heavier reliance on wholesale funding can squeeze margins and raise concerns about funding stability.

Fourth, capital and capital‑return plans. Shareholders will listen for any commentary on dividends, buybacks, or capital raises. A cautious tone or plans to conserve capital will likely be read as risk‑off; re‑upped dividends or a commitment to repurchases would be favorable for income‑oriented investors.

Finally, guidance and forward commentary. Many small and regional banks avoid explicit full‑year guidance, but management color on loan pipeline, deposit outlook, and steps to manage margin will matter. Useful questions to expect from analysts include: How is loan demand by sector trending? What is the outlook for deposit cost in the next two quarters? Are reserve levels adequate for the current economic outlook?

Sector backdrop and near‑term catalysts

The regional banking group has faced pressure in recent years from rate swings, rising funding costs, and a cautious investor mood toward smaller banks. That context makes each set of quarterly results more likely to move the stock than usual. Peer earnings over the same week could magnify moves: if larger regional banks report improving margins or tame credit costs, Third Coast’s results may be judged more harshly or more favorably in comparison.

Near‑term catalysts around the release include any late‑breaking regulatory items, merger or acquisition updates, and commentary on dividends or capital actions. Broader market drivers — notably the Federal Reserve’s tone on rates and macroeconomic data on loan demand — will also shape how investors price the print.

Third Coast Bancshares at a glance and investor relations

Third Coast Bancshares is a regional bank holding company that provides commercial and consumer banking services through its local franchise. The firm operates a network of branches serving its core markets and offers standard deposit, lending and treasury services for small and mid‑sized businesses and individuals.

For official filings, the live webcast, the dial‑in registration link, and any investor contact details, visit Third Coast’s investor relations page on the company website. The investor relations page also archives past earnings webcasts and SEC filings for reference.

Sources

• prnewswire.com