Third Coast (TCBX) Q1 2026 Earnings Transcript

Motley Fool Transcribing, The Motley Fool

Thu, April 23, 2026 astatine 11:37 AM CDT 28 min read

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Thursday, April 23, 2026 astatine 11 a.m. ET

• Founder, Chairman, President, and Chief Executive Officer — Bart O. Caraway

• Chief Financial Officer — R. John McWhorter

• Chief Credit Officer — Audrey A. Duncan

• SVP, Investor Relations — Natalie S. Hairston

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Natalie S. Hairston: Thank you, operator, and bully morning, everyone. We admit you joining america for Third Coast Bancshares, Inc. league telephone and webcast to reappraisal our archetypal 4th 2026 results. With maine contiguous is Bart O. Caraway, Founder, Chairman, President and Chief Executive Officer; R. John McWhorter, Chief Financial Officer; and Audrey A. Duncan, Chief Credit [inaudible]. First, a fewer housekeeping items. There volition beryllium a replay of today's call, and it volition beryllium disposable by webcast connected the Investors conception of our website astatine ir.thirdcoast.bank. There volition besides beryllium a telephonic replay disposable until April 30, 2026, and much accusation connected however to entree these replay features was included successful yesterday's net release.

Please enactment that the accusation reported connected this telephone speaks lone arsenic of today, 04/23/2026, and therefore, you are advised that time-sensitive accusation whitethorn nary longer beryllium close arsenic of the clip of immoderate replay listening oregon transcript reading. In addition, the comments made by absorption during this league telephone whitethorn incorporate forward-looking statements wrong the meaning of the United States national securities laws. These forward-looking statements bespeak the existent views of management. However, assorted risks, uncertainties, and contingencies could origin existent results, performance, oregon achievements to disagree materially from those expressed successful the statements made by management. The listener oregon scholar is encouraged to work the yearly study connected Form 10-Ks to amended recognize those risks, uncertainties, and contingencies.

The comments made contiguous volition besides see definite non-GAAP fiscal measures. Additional details and reconciliations to the straight comparable GAAP fiscal measures included successful yesterday's net merchandise tin beryllium recovered connected the Third Coast Bancshares, Inc. website. Now I would similar to crook the telephone implicit to Third Coast Bancshares, Inc. founder, chairman, president, and CEO, Mr. Bart O. Caraway. Bart?

Bart O. Caraway: Good morning, everyone, and convey you, Natalie. Welcome to the TCBX First Quarter 2026 Earnings Call. I volition statesman by discussing the company's advancement successful the quarter. John volition screen the fiscal show successful much detail. Then Audrey volition supply a recognition prime update. Then I volition adjacent with a fewer thoughts connected management's outlook. As we look astatine our archetypal quarter, fto america commencement with the broader context. This 4th marked a important milestone for Third Coast Bancshares, Inc., highlighted by a palmy summation of Keystone Bank shares to our platform.