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Third Coast Bancshares Inc 2025年度报告

2026-04-16 美股财报 任云鹏
报告封面

Good to Great: Building a Legacy Dear Fellow Shareholders, Exceptional Growth & Profitability 2025PDUNHGDGHȴQLQJFKDSWHULQ7KLUG&RDVWȇVMRXUQH\IURPDVWURQJUHJLRQDOEDQNWRDQHPHUJLQJPDUNHWOHDGHU:KLOHRWKHUEDQNVVWUXJJOHGZLWKHFRQRPLFKHDGZLQGVZHDFFHOHUDWHGIRUZDUGUHDFKLQJQHZFRPSDQ\PLOHVWRQHVE\GHOLYHULQJH[FHSWLRQDOUHVXOWVWKDWH[FHHGHGH[SHFWDWLRQVDQGVHWQHZEHQFKPDUNVIRURXUIXWXUH2XUSHUIRUPDQFHGHPRQVWUDWHVDSRZHUIXOVWRU\RIPRPHQWXPDQGGLVFLSOLQHGH[HFXWLRQRQRXUVWUDWHJLFSODQWKDWUHSUHVHQWVWKHKXQGUHGVRIEXVLQHVVHVIXQGHGIDPLOLHVVHUYHGDQGFRPPXQLWLHVVWUHQJWKHQHG .H\*URZWK3URȴWDELOLW\+LJKOLJKWVLQ •6KDUHKROGHU5HWXUQVVHWQHZUHFRUGVZLWK\HDURYHU\HDULQFUHDVHVLQERRNYDOXHRIDQGWDQJLEOHERRNYDOXHRI•7RWDO/RDQVJUHZE\PLOOLRQ WRWDOLQJELOOLRQUHȵHFWLQJVWURQJPDUNHWGHPDQG•7RWDO'HSRVLWVLQFUHDVHGE\PLOOLRQ WRWDOLQJELOOLRQGHPRQVWUDWLQJFXVWRPHUWUXVW•7RWDO$VVHWVURVHE\PLOOLRQ VXUSDVVLQJELOOLRQFURVVLQJDPDMRUPLOHVWRQH•1HWΖQFRPHKLWDQHZUHFRUGKLJKDWPLOOLRQLQDQQXDOHDUQLQJV Advancing Capital Efficiency Through Securitization 7KLUG&RDVWȇVGLVFLSOLQHGEDODQFHVKHHWRSWLPL]DWLRQVWUDWHJ\DGYDQFHGPHDQLQJIXOO\LQDVZHH[HFXWHGDVHULHVRILQQRYDWLYHFRPPHUFLDOUHDOHVWDWHORDQVHFXULWL]DWLRQVWKDWUHGXFHGULVNZHLJKWHGDVVHWVGLYHUVLȴHGRXUORDQSRUWIROLRDQGHQKDQFHGUHJXODWRU\FDSLWDOVWUHQJWK'XULQJWKH\HDUZHFRPSOHWHGDODQGPDUNV\QWKHWLFULVNWUDQVIHUVWUXFWXUHDQGVXEVHTXHQWVHFXULWL]DWLRQWUDQVDFWLRQVEDFNHGE\KLJKTXDOLW\7H[DVFRPPHUFLDOUHDOHVWDWHORDQVHQDEOLQJXVWRSUXGHQWO\PDQDJHFRQFHQWUDWLRQULVNZKLOHFRQWLQXLQJWRVXSSRUWFOLHQWVȇJURZWKDQGGHYHORSPHQWQHHGVLQRXUPDUNHWV7KHVHVHFXULWL]DWLRQVDOVRJHQHUDWHGDWWUDFWLYHQRQLQWHUHVWLQFRPHDQGFRQWULEXWHGWRDQLPSURYHGQHWLQWHUHVWPDUJLQUHLQIRUFLQJRXUDELOLW\WRJURZWKHIUDQFKLVHLQYHVWLQWDOHQWDQGWHFKQRORJ\DQGFUHDWHVXVWDLQDEOHORQJWHUPYDOXHIRURXUVKDUHKROGHUV Strategic Expansion ΖQWKHIDOORIZHDQQRXQFHGRXUPHUJHUZLWK.H\VWRQH%DQFVKDUHVΖQFZKLFKDOLJQVSHUIHFWO\ZLWKRXUSKLORVRSK\RIGHOLEHUDWHJURZWKDLPHGDWFUHDWLQJH[SRQHQWLDOYDOXHIRURXUVWDNHKROGHUV7KLVVWUDWHJLFFRPELQDWLRQEURDGHQVRXUJHRJUDSKLFSUHVHQFHVSHFLȴFDOO\LQWRKLJKJURZWKPDUNHWVLQ$XVWLQDQGWKHVXUURXQGLQJFRPPXQLWLHVDQGIRVWHUVVLJQLȴFDQWV\QHUJLHVDQGUHYHQXHRSSRUWXQLWLHVIRU7KLUG&RDVW:HDUHH[FLWHGWRZHOFRPHRXUQHZ.H\VWRQHHPSOR\HHVWRWKH7KLUG&RDVWWHDPDQGZHDUHDOUHDG\VHHLQJWKHEHQHȴWVRIFRPELQLQJRXUFRPSOHPHQWDU\FXOWXUHVORFDOPDUNHWH[SHUWLVHDQGGHHSFOLHQWUHODWLRQVKLSVDVRQHXQLȴHGRUJDQL]DWLRQIRFXVHGRQVHUYLQJ7H[DVȇPRVWG\QDPLFFRPPXQLWLHV Operational Excellence GreatFRPSDQLHVGRQȇWMXVWJURZȃWKH\EHFRPHPRUHHɝFLHQWDVWKH\VFDOHΖQZHSURYHGWKLVSULQFLSOH7KHVHRSHUDWLRQDOHQKDQFHPHQWVDUHQȇWRQHWLPHZLQVȂWKH\ȇUHFRPSRXQGLQJDGYDQWDJHVWKDWZLOOIXHORXUSHUIRUPDQFHIRU\HDUVWRFRPH (ɝFLHQF\*DLQVLQ •ΖPSURYHG(ɝFLHQF\5DWLRWR DEDVLVSRLQWLPSURYHPHQWRYHUSULRU\HDU•Enhanced5HWXUQRQ$YHUDJH$VVHWVWR DEDVLVSRLQWLPSURYHPHQWRYHUSUHYLRXV\HDU •Successfully completedFRUHFRQYHUVLRQPRGHUQL]LQJRXUHQWLUHLQIUDVWUXFWXUH Service Excellence AtWKHKHDUWRIRXUFXOWXUHLVRXUSURPLVHWRVHUYLFHH[FHOOHQFH2XUEDQNHUVGRQȇWMXVWprocess transactions—they build partnerships, solve problems, and help dreamsEHFRPHUHDOLW\7KLVFRPPLWPHQWWRVHUYLFHH[FHOOHQFHLVZK\FXVWRPHUVFKRRVH7KLUG&RDVWDQGPRUHLPSRUWDQWO\ZK\WKH\VWD\ :HȇUHQRWVDWLVȴHGZLWKEHLQJJRRG:HȇUHQRWHYHQVDWLVȴHGZLWKEHLQJJUHDW:HȇUHEXLOGLQJVRPHWKLQJH[FHSWLRQDOȃDEDQNWKDWGHOLYHUVUREXVWSHUIRUPDQFHZKLOHPDNLQJDPHDQLQJIXOGL΍HUHQFHLQWKHFRPPXQLWLHVZHVHUYH Our Commitment to You 7RRXUVKDUHKROGHUV7KDQN\RXIRU\RXUFRQȴGHQFHDQGSDUWQHUVKLS