TCBX · THIRD COAST BANC Q2 FY2026 earnings call record财报电话会记录

“The listener or reader is encouraged to read the annual report on Form 10-K to better understand those risks, uncertainties, and contingencies.”

“We delivered a new record for EPS performance, continued to generate disciplined loan and deposit growth as projected, improved core profitability, and maintained solid credit performance.”

“Namely, we generated strong loan growth while maintaining disciplined underwriting and risk-appropriate loan pricing standards and continue to project a robust and steady loan pipeline.”

“We've reduced meaningful operating leverage, with operating income growing faster than expenses, a consistent theme that has proven out the durability of our core earnings, and we maintain strong credit performance while continuing to grow the balance sheet.”

“Net interest margin expanded to 3.83%, exceeding the 3.75% target that we set following the Keystone merger, reflecting the strength of our balance sheet, disciplined loan and deposit pricing, improving funding trends, and successful execution of our Keystone integration strategy.”

“The transaction generated total consideration of approximately $27.5 million and a gain of $3.5 million at closing and includes a structured ongoing revenue share that will allow us to continue participating in the performance of the portfolio going forward.”

“We are benefiting from strong customer activity, healthy loan pipelines, improving funding trends, and a resilient Texas economy.”

“What I would note is we've just been able to find great customers that are moving over more for relationship, more than anything.”

“Over the last year, if it's up 50%, that's great for the margin.”

“When you look back at last year when our margin was 4%+, it's when we were doing the securitizations, and I don't know.”

“I think we've chosen well on the customers, and we have a very diversified portfolio as well, both geography and with the customer base, and with several verticals we have.”

“If it was roughly $4.2 million this quarter, I think it'll be the same, maybe marginally higher next quarter, kind of between the four and four and a half.”