Third Coast Bancshares, Inc. (NYSE: TCBX)

Third Coast Bancshares, Inc. is a bank holding company headquartered in Humble, Texas that provides commercial banking solutions to small and medium sized businesses and professionals through its wholly owned subsidiary bank and the bank’s subsidiary TCCC. The company focuses on relationship based banking, offering products such as commercial loans, real estate financing, and lines of credit tailored to the needs of its clients. It operates a branch network spanning the Greater Houston, Dallas Fort Worth, and Austin San Antonio metropolitan areas, with ten branches in Greater Houston, three in Dallas Fort Worth, and seven in Austin San Antonio, plus one branch each in Ballinger and Detroit, Texas. As of December 31, 2025, the company reported total assets of $5.34 billion, total loans of $4.39 billion, total deposits of $4.63 billion, and shareholders' equity of $531.0 million.

Interest income from our loan portfolio, which includes commercial and industrial loans, real estate secured loans, and consumer loans, forms the largest portion of our revenue. We also earn interest from our investment holdings of U. S. government and agency securities, municipal bonds, mortgage backed securities, and corporate bonds. Deposit service charges on checking, money market, savings, and certificate of deposit accounts contribute additional fee income. Our treasury management solutions, merchant card services, and fees from online and mobile banking platforms generate further non interest revenue. In addition, we generate income by selling participations in larger loans to other financial institutions, which helps us manage credit risk while meeting client borrowing needs.

We compete in a highly competitive banking environment that includes large national banks, regional banks, savings and loan associations, credit unions, finance companies, brokerage firms, insurance companies, and even retail stores that offer their own credit programs. Many of our competitors possess significantly greater financial resources, broader branch networks, and higher name recognition than we do. Despite these challenges, we maintain a strong market position by emphasizing a relationship driven high touch service model that delivers personalized attention to small and medium sized businesses and professionals. Our deep knowledge of the local markets in Greater Houston, Dallas Fort Worth, and Austin San Antonio enables us to tailor credit solutions and deposit products to the specific needs of our clients. Financially, we are well capitalized, with regulatory capital ratios that exceed the Basel III minimums, and we have consistently maintained asset quality metrics reflected in low charge off levels. This combination of local expertise, personalized service, and prudent risk management supports our competitive advantage in the markets we serve.

Our customer base consists primarily of small and medium sized businesses, professionals, and individual consumers who reside in the geographic markets we serve. We also provide banking services to municipal entities, nonprofit organizations, and other community focused institutions that require deposit accounts, lending products, and cash management solutions. These customers span a variety of industries such as healthcare, real estate, construction, professional services, and retail, reflecting the diverse economic base of our regions. By maintaining a relationship oriented approach, we aim to meet the full range of financial needs of our clients, from everyday transactional services to specialized commercial lending and treasury management.