Third Coast Q3 earnings fall to $19M from $22M

Loan balances and noninterest-bearing deposits rose year over year, while net interest margin and return on average assets declined.

Rhea-AI Filing Summary

Third Coast Bancshares, Inc. (TCBX) reported third-quarter 2026 net income of $19.0 million, compared with $22.0 million in the second quarter and $18.1 million a year earlier. Diluted earnings per share were $0.93, versus $1.08 and $1.03, respectively. Excluding $3.2 million of acquisition-related expenses, adjusted net income (non-GAAP) was $21.6 million, with adjusted diluted earnings per share of $1.06.

Net interest income was $59.5 million, up 17.1% year over year, while net interest margin was 3.70% versus 4.10%. Gross loans were $5.49 billion and deposits were $5.92 billion as of September 30, 2026. Nonperforming loans were $29.0 million, or 0.53% of total loans; the allowance for credit losses was $54.4 million, or 0.99% of gross loans.

Third Coast announced a definitive agreement to acquire Great Plains Bancshares in an all-stock transaction valued at approximately $239.6 million, based on Third Coast’s closing stock price on October 6, 2026. The transaction is expected to close in the first quarter of 2027.

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Positive

• Moderate pointYear-over-year net income increased to $19.0 million from $18.1 million.

Negative

• Moderate pointQuarterly net income fell to $19.0 million from $22.0 million.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Net income: $19.0 million Diluted earnings per share: $0.93 Net interest income: $59.5 million +5 more

8 metrics

Net income $19.0 million Third quarter of 2026

Diluted earnings per share $0.93 Third quarter of 2026

Net interest income $59.5 million Third quarter of 2026

Net interest margin 3.70% Third quarter of 2026

Gross loans $5.49 billion As of September 30, 2026

Total deposits $5.92 billion As of September 30, 2026

Nonperforming loans $29.0 million As of September 30, 2026

Great Plains transaction value Approximately $239.6 million All-stock transaction; value based on Third Coast’s closing stock price on October 6, 2026

Key Terms

Net interest margin, Nonperforming loans, Allowance for credit losses, Securitization, +1 more

5 terms

Net interest margin financial

"The net interest margin for the third quarter of 2026 was 3.70%"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

Nonperforming loans financial

"Nonperforming loans at September 30, 2026 were $29.0 million"

Nonperforming loans are loans on which borrowers have stopped making the scheduled interest or principal payments for an extended period (commonly 90 days or more) or are otherwise in serious danger of default. Think of them as IOUs that aren’t being repaid: they tie up a lender’s money, reduce future interest income, and force the lender to hold extra reserves or take losses. For investors, a rising share of nonperforming loans signals weakening credit quality, higher potential losses, and greater risk to a bank’s profitability and capital.

Allowance for credit losses financial

"the allowance for credit losses of $54.4 million"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

Securitization financial

"completed a securitization of $87.5 million of commercial real estate loans"

Securitization is when a bank or company takes a bunch of loans or assets, like mortgages or car loans, and bundles them together into a single package. They then sell pieces of this package to investors, who receive regular payments from the borrowers. This process helps the original lender get money quickly and spreads the risk among many investors.

Non-GAAP financial measure financial

"This press release contains certain non-GAAP financial measures"

A non-GAAP financial measure is a way companies present their financial results that excludes certain expenses or income to show how they believe their core business is performing. It matters because it can give a clearer picture of how the company is really doing, but it can also be used to make results look better than they actually are.

Earnings Snapshot

Net income: $19.0 million

Third quarter of 2026

Net income $19.0 million Compared with $18.1 million in the third quarter of 2025 and $22.0 million in the second quarter of 2026

Diluted earnings per share $0.93 Compared with $1.03 in the third quarter of 2025 and $1.08 in the second quarter of 2026

Net interest income $59.5 million Up 17.1% year over year and down 1.2% from the second quarter of 2026

Net interest margin 3.70% Compared with 4.10% in the third quarter of 2025

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much did TCBX earn in the third quarter of 2026?

TCBX reported $19.0 million in net income for the third quarter of 2026. Net income was $22.0 million in the second quarter of 2026 and $18.1 million in the third quarter of 2025; diluted earnings per share were $0.93.

What are the terms of TCBX’s Great Plains Bancshares acquisition?

Third Coast agreed to acquire Great Plains Bancshares in an all-stock transaction valued at approximately $239.6 million, based on Third Coast’s closing stock price on October 6, 2026. The transaction is expected to close in the first quarter of 2027.

What were TCBX’s nonperforming loans at September 30, 2026?

Nonperforming loans were $29.0 million at September 30, 2026, compared with $27.1 million at June 30, 2026 and $21.7 million at September 30, 2025. The increase during the quarter was primarily due to $2.3 million in SBA loans placed on nonaccrual.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/21/2026 - 04:32 PM EDT Accepted by SEC EDGAR 10/21/2026 - 04:30 PM EDT Learn about SEC filing dates

0001781730false00017817302026-10-212026-10-21

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 21, 2026

THIRD COAST BANCSHARES, INC.

(Exact name of Registrant as Specified in Its Charter)

Texas			001-41028	46-2135597
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
20202 Highway 59 North Suite 190
Humble, Texas				77338
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 281 446-7000

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☒	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common stock, par value $1.00 per share		TCBX		New York Stock Exchange NYSE Texas

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On October 21, 2026, Third Coast Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended September 30, 2026. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

In accordance with General Instruction B.2 of Form 8-K, the information in Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section. The information in Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1, shall not be incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by specific reference in such filing or document.

Item 7.01 Regulation FD Disclosure.

The Company intends to hold an investor call and webcast to discuss its financial results for the quarter ended September 30, 2026, on Thursday, October 22, 2026, at 10:00 a.m. Central Time. The Company’s presentation to analysts and investors contains additional information about the Company’s financial results for the quarter ended September 30, 2026, and is furnished as Exhibit 99.2 to this Current Report on Form 8-K.

In accordance with General Instruction B.2 of Form 8-K, the information in Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.2, shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section. The information in Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.2, shall not be incorporated by reference into any filing or other document pursuant to the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such filing or document.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number		Description of Exhibit
99.1		Press Release dated October 21, 2026
99.2		Investor Presentation
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			THIRD COAST BANCSHARES, INC.
Date:	October 21, 2026	By:	/s/ R. John McWhorter
			R. John McWhorter Chief Financial Officer

Exhibit 99.1

	News Release
	Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 TCBX@dennardlascar.com

FOR IMMEDIATE RELEASE

Third Coast Bancshares, Inc. Reports

2026 Third Quarter Financial Results

Solid 2026 Third Quarter Results While Advancing Long-Term Growth Strategy

HOUSTON, October 21, 2026 – Third Coast Bancshares, Inc. (NYSE and NYSE Texas: TCBX) (the “Company,” “Third Coast,” “we,” “us,” or “our”), the bank holding company for Third Coast Bank (the “Bank”), today reported its 2026 third quarter financial results.

2026 Third Quarter Financial and Operational Highlights

•Return on average assets of 1.13% annualized for the third quarter of 2026 compared to 1.34% annualized for the second quarter of 2026 and 1.41% annualized for the third quarter of 2025. Return on average assets as adjusted (non-GAAP)(1) annualized for the third quarter of 2026 was 1.29%.

•Net interest margin of 3.70% for the third quarter of 2026 compared to 3.83% for the second quarter of 2026 and 4.10% for the third quarter of 2025.

•Net income for the third quarter of 2026 totaled $19.0 million, or $1.07 and $0.93 per basic and diluted share, respectively, compared to $22.0 million, or $1.25 and $1.08 per basic and diluted share, respectively, for the second quarter of 2026 and $18.1 million, or $1.22 and $1.03 per basic and diluted share, respectively, for the third quarter of 2025. Excluding $3.2 million of acquisition-related expenses in the third quarter of 2026, the net income as adjusted (non-GAAP)(1) for the third quarter of 2026 was $21.6 million, or $1.06 per diluted share as adjusted (non-GAAP)(1).

•Efficiency ratio of 63.10% for the third quarter of 2026 compared to 56.51% for the second quarter of 2026 and 53.03% for the third quarter of 2025.

•Gross loans grew to $5.49 billion as of September 30, 2026, from $5.44 billion reported as of June 30, 2026.

•Book value per common share and tangible book value per common share(1) increased to $36.53 and $33.31, respectively, as of September 30, 2026, compared to $36.34 and $33.08, respectively, as of June 30, 2026 and $32.25 and $30.91, respectively, as of September 30, 2025.

•Noninterest bearing demand deposits increased $78.4 million to $721.2 million, or 12.2% of total deposits as of September 30, 2026, compared to 11.0% of total deposits as of June 30, 2026.

•On October 7, 2026, the Company announced a definitive merger agreement to acquire Great Plains Bancshares, Inc. (“Great Plains”), the parent company of Great Plains National Bank, in an all-stock transaction valued at approximately $239.6 million based on the Company's closing stock price as of October 6, 2026. The transaction is expected to close in the first quarter of 2027.

____________________________

(1) Non-GAAP financial measure. Please refer to the table titled “GAAP Reconciliation and Management's Explanation of Non-GAAP Financial Measures” at the end of this news release for a reconciliation of these non-GAAP financial measures.

“The third quarter reflects the underlying strength of our franchise and our continued focus on disciplined, relationship-driven growth,” said Bart Caraway, Founder, Chairman, President, and Chief Executive Officer of Third Coast. “We saw healthy loan activity, continued progress in our funding base, stable credit performance, and another high in tangible book value per share. Additionally, our agreement to merge with Great Plains builds on the progress of our strategy and brings together two organizations with complementary strengths and shared values. We believe the transaction positions us to build an even stronger franchise capable of producing durable earnings and long-term stakeholder value.”

Operating Results

Net Income and Earnings Per Common Share

Net income totaled $19.0 million for the third quarter of 2026, compared to $22.0 million for the second quarter of 2026 and $18.1 million for the third quarter of 2025. Net income available to common shareholders totaled $17.8 million for the third quarter of 2026, compared to $20.8 million for the second quarter of 2026 and $16.9 million for the third quarter of 2025. The quarter-over-quarter decrease from the second quarter of 2026 was primarily due to the reduction of gain on sale of factored receivables from the second quarter of 2026 and an increase in merger and acquisition-related expenses during the third quarter of 2026. Dividends on our Series A Convertible Non-Cumulative Preferred Stock (“Series A Preferred Stock”) totaled $1.2 million for each of the quarters ended September 30, 2026, June 30, 2026 and September 30, 2025.

Basic and diluted earnings per common share were $1.07 per share and $0.93 per share, respectively, in the third quarter of 2026, compared to $1.25 per share and $1.08 per share, respectively, in the second quarter of 2026 and $1.22 per share and $1.03 per share, respectively, in the third quarter of 2025. In the third quarter of 2026, diluted earnings per common share as adjusted (non-GAAP)(1) was $1.06, compared to $0.98 diluted earnings per common share as adjusted (non-GAAP)(1) in the second quarter of 2026.

Net Interest Margin and Net Interest Income

The net interest margin for the third quarter of 2026 was 3.70%, compared to 3.83% for the second quarter of 2026 and 4.10% for the third quarter of 2025. The yield on loans for the third quarter of 2026 was 6.95%, compared to 7.06% for the second quarter of 2026 and 7.79% for the third quarter of 2025. The cost of interest-bearing deposits for the third quarter of 2026 was 3.49%, compared to 3.41% for the second quarter of 2026 and 3.98% for the third quarter of 2025.

Net interest income totaled $59.5 million for the third quarter of 2026, a decrease of 1.2% from $60.3 million for the second quarter of 2026 and an increase of 17.1% from $50.8 million for the third quarter of 2025. Interest income totaled $106.7 million for the third quarter of 2026, an increase of 0.7% from $106.0 million for the second quarter of 2026 and an increase of 15.4% from $92.5 million for the third quarter of 2025. Interest expense was $47.2 million for the third quarter of 2026, an increase of $1.5 million, or 3.2%, from $45.7 million for the second quarter of 2026, and an increase of $5.5 million, or 13.3%, from $41.7 million for the third quarter of 2025.

Noninterest Income and Noninterest Expense

Noninterest income totaled $6.3 million for the third quarter of 2026, compared to $7.7 million for the second quarter of 2026 and $3.6 million for the third quarter of 2025. The quarter-over-quarter decrease from the second quarter of 2026 was primarily due to the reduction of gain on sale of factored receivables from the second quarter of 2026 partially offset by increased service charges and fees during the third quarter of 2026.

____________________________

(1) Non-GAAP financial measure. Please refer to the table titled “GAAP Reconciliation and Management's Explanation of Non-GAAP Financial Measures” at the end of this news release for a reconciliation of these non-GAAP financial measures.

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Noninterest expense increased to $41.6 million for the third quarter of 2026, compared to $38.4 million for the second quarter of 2026 and $28.9 million for the third quarter of 2025. The quarter-over-quarter increase from the second quarter of 2026 was primarily due to merger and acquisition-related costs of $3.2 million. At September 30, 2026, the number of employees decreased to 499, compared to 504 at June 30, 2026.

The efficiency ratio was 63.10% for the third quarter of 2026, compared to 56.51% for the second quarter of 2026 and 53.03% for the third quarter of 2025.

Balance Sheet Highlights

Loan Portfolio and Composition

For the quarter ended September 30, 2026, gross loans increased to $5.49 billion, an increase of $57.1 million, or 1.1%, from $5.44 billion as of June 30, 2026, and an increase of $1.33 billion, or 31.9%, from $4.17 billion as of September 30, 2025. The Bank completed a securitization of $87.5 million of commercial real estate loans during the third quarter of 2026. Real estate loans accounted for the majority of the loan growth for the third quarter of 2026, with real estate loans increasing $67.1 million from the second quarter of 2026, partially offset by municipal and other loans decreasing $9.2 million from the second quarter of 2026.

Asset Quality

Nonperforming loans at September 30, 2026 were $29.0 million, compared to $27.1 million at June 30, 2026 and $21.7 million at September 30, 2025. The increase in nonperforming loans during the third quarter of 2026 was primarily due to $2.3 million in SBA loans placed on nonaccrual. As of September 30, 2026, the nonperforming loans to total loans ratio was 0.53%, compared to 0.50% as of June 30, 2026 and 0.52% as of September 30, 2025.

The provision for credit losses recorded for the third quarter of 2026 was $540,000, and the allowance for credit losses of $54.4 million represented 0.99% of the $5.49 billion in gross loans outstanding as of September 30, 2026. The provision for credit losses recorded for the second quarter of 2026 was $2.1 million, and the allowance for credit losses of $53.6 million represented 0.99% of the $5.44 billion in gross loans outstanding as of June 30, 2026.

The Company recorded net recoveries of $27,000 and $17,000 for the three months ended September 30, 2026 and September 30, 2025, respectively.

Deposits and Composition

Deposits totaled $5.92 billion as of September 30, 2026, an increase of 1.2% from $5.86 billion as of June 30, 2026, and an increase of 35.5% from $4.37 billion as of September 30, 2025. Noninterest-bearing demand deposits increased from $642.7 million as of June 30, 2026 to $721.2 million as of September 30, 2026 and represented 12.2% and 11.0% of total deposits as of September 30, 2026 and June 30, 2026, respectively. As of September 30, 2026, interest-bearing demand deposits decreased $141.1 million, or 3.3%, time deposits increased $126.1 million, or 14.6%, and savings accounts increased $5.9 million, or 21.1%, respectively, from June 30, 2026.

The average cost of deposits was 3.09% for the third quarter of 2026, representing a 4-basis point increase from the second quarter of 2026 and a 47-basis point decrease from the third quarter of 2025. The quarter-over-quarter increase was primarily due to the increase in rates paid on interest-bearing demand deposits.

Earnings Conference Call

Third Coast has scheduled a conference call to discuss its 2026 third quarter results, which will be broadcast live over the Internet, on Thursday, October 22, 2026, at 11:00 a.m. Eastern Time / 10:00 a.m. Central Time. To participate in the call, dial 201-389-0869 and ask for the Third Coast Bancshares, Inc. call at least 10 minutes prior to the start time, or access it live over the Internet at https://ir.thirdcoast.bank/events-and-presentations/events/. For those who cannot listen to the live call, a replay will be available through October 29, 2026, and may be accessed by dialing

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201-612-7415 and using passcode 13757906#. Also, an archive of the webcast will be available shortly after the call at https://ir.thirdcoast.bank/events-and-presentations/events/ for 90 days.

About Third Coast Bancshares, Inc.

Third Coast Bancshares, Inc. is a commercially focused, Texas-based bank holding company operating primarily in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets through its wholly owned subsidiary, Third Coast Bank. Founded in 2008 in Humble, Texas, Third Coast Bank conducts banking operations through 20 branches encompassing the four largest metropolitan areas in Texas. Please visit https://www.thirdcoast.bank for more information.

Forward Looking Statements

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are subject to risks and uncertainties and are made pursuant to the safe harbor provisions of Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “looking ahead,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “projection,” “would” and “outlook,” or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following: interest rate risk and fluctuations in interest rates; market conditions and economic trends generally and in the banking industry; our ability to maintain important deposit relationships; our ability to grow or maintain our deposit base; our ability to implement our expansion strategy; our ability to pay dividends on our Series A Preferred Stock; credit risk associated with our business; economic conditions affecting the real estate market; prepayment risks associated with commercial real estate loans; liquidity risks in the securitization market; operational risks related to the administration of securitized assets; changes in key management personnel; the occurrence of any event, change or other circumstance that could give rise to the right of one or both of the parties to terminate the definitive merger agreement providing for the acquisition of Great Plains by Third Coast; the outcome of any legal proceedings that may be instituted against Third Coast or Great Plains; the possibility that the transaction does not close when expected or at all because required regulatory, shareholder or other approvals and other conditions to closing are not received or satisfied on a timely basis or at all (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the transaction); the risk that the benefits from the transaction may not be fully realized or may take longer to realize than expected, including as a result of changes in, or problems arising from, general economic and market conditions, interest and exchange rates, monetary policy, laws and regulations and their enforcement, and the degree of competition in the geographic and business areas in which Third Coast and Great Plains operate; disruption to the parties’ businesses as a result of the announcement and pendency of the transaction; the risk that the integration of each party’s operations will be materially delayed or will be more costly or difficult than expected or that the parties are otherwise unable to successfully integrate each party’s businesses into the other’s businesses; the possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events; reputational risk and potential adverse reactions of Third Coast’s or Great Plains' customers, suppliers, employees or other business partners, including those resulting from the announcement or completion of the transaction; the dilution caused by Third Coast’s issuance of additional shares of its common stock in connection with the transaction; a material adverse change in the financial condition of

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Third Coast or Great Plains; the diversion of management’s attention and time from ongoing business operations and opportunities on merger-related matters; and other factors that may affect future results of Third Coast and Great Plains including changes in asset quality and credit risk, the inability to sustain revenue and earnings growth, changes in interest rates and capital markets, inflation, customer borrowing, repayment, investment and deposit practices, the impact, extent and timing of technological changes, capital management activities and other actions of the Board of Governors of the Federal Reserve System and legislative and regulatory actions and reforms. For a discussion of additional factors that could cause our actual results to differ materially from those described in the forward-looking statements, please see the risk factors discussed in our Annual Report on Form 10-K for the year ended December 31, 2025 filed with the U.S. Securities and Exchange Commission (the “SEC”), and our other filings with the SEC.

The foregoing factors should not be construed as exhaustive and should be read together with the other cautionary statements included in this press release. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. Accordingly, you should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. New factors emerge from time to time, and it is not possible for us to predict which will arise. In addition, we cannot assess the impact of each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements.

Non-GAAP Financial Measures

This press release contains certain non-GAAP financial measures, including Tangible Common Equity, Tangible Book Value Per Common Share, Tangible Common Equity to Tangible Assets, Return on Average Tangible Common Equity, Return on Average Assets as Adjusted (Non-GAAP), Return on Average Common Equity as Adjusted (Non-GAAP), Return on Average Tangible Common Equity as Adjusted (Non-GAAP), Net Income as Adjusted (Non-GAAP), and Diluted Earnings Per Common Share as Adjusted (Non-GAAP), which are supplemental measures that are not required by, or are not presented in accordance with GAAP. Please refer to the table titled “GAAP Reconciliation and Management’s Explanation of Non-GAAP Financial Measures” at the end of this press release for a reconciliation of these non-GAAP financial measures.

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Third Coast Bancshares, Inc. and Subsidiary

Financial Highlights

(unaudited)

		2026												2025
(Dollars in thousands)		September 30				June 30				March 31				December 31				September 30
ASSETS
Cash and cash equivalents:
Cash and due from banks		$	359,763			$	404,165			$	425,174			$	175,202			$	116,383
Federal funds sold			6,051				6,732				6,133				6,027				6,629
Total cash and cash equivalents			365,814				410,897				431,307				181,229				123,012
Interest bearing time deposits in other banks			276				273				270				267				265
Investment securities available-for-sale			461,524				405,251				435,846				383,192				376,719
Investment securities held to maturity			191,924				191,952				191,980				192,008				206,037
Loans held for investment			5,493,503				5,436,414				5,251,458				4,394,751				4,165,116
Less: allowance for credit losses			(54,418	)			(53,591	)			(51,455	)			(43,949	)			(42,563	)
Loans held for investment, net			5,439,085				5,382,823				5,200,003				4,350,802				4,122,553
Accrued interest receivable			32,083				30,306				31,385				29,236				29,537
Premises and equipment, net			40,645				40,178				40,558				24,789				24,718
Other real estate owned			26,999				27,321				8,388				8,388				8,388
Bank-owned life insurance			77,100				77,856				77,107				76,357				75,547
Non-marketable securities, at cost			24,860				23,538				21,759				16,424				26,157
Deferred tax asset, net			26,644				23,843				7,493				6,450				6,989
Derivative assets			5,307				2,594				2,350				2,544				2,803
Right-of-use assets - operating leases			16,833				16,953				17,615				17,066				17,677
Core deposit intangibles, net			7,655				8,081				8,516				646				686
Goodwill			46,079				46,079				46,367				18,034				18,034
Other assets			42,792				47,556				61,129				33,327				22,686
Total assets		$	6,805,620			$	6,735,501			$	6,582,073			$	5,340,759			$	5,061,808
LIABILITIES
Deposits:
Noninterest bearing		$	721,194			$	642,748			$	577,217			$	495,000			$	450,013
Interest bearing			5,203,574				5,212,718				5,137,860				4,131,888				3,922,728
Total deposits			5,924,768				5,855,466				5,715,077				4,626,888				4,372,741
Accrued interest payable			6,910				5,872				7,205				5,957				7,153
Derivative liabilities			10,368				4,289				3,517				3,142				3,521
Lease liability - operating leases			17,887				18,011				18,676				18,130				18,735
Other liabilities			27,260				39,647				48,177				36,775				32,040
Line of credit - Senior Debt			62,375				60,375				57,875				37,875				32,875
Note payable - Subordinated Debentures, net			81,120				81,068				81,016				80,965				80,913
Total liabilities			6,130,688				6,064,728				5,931,543				4,809,732				4,547,978
SHAREHOLDERS' EQUITY
Series A Convertible Non-Cumulative Preferred Stock			69				69				69				69				69
Series B Convertible Perpetual Preferred Stock			-				-				-				-				-
Common stock			16,742				16,718				16,641				13,970				13,958
Common stock - non-voting			-				-				-				-				-
Additional paid-in capital			431,086				429,931				428,815				323,929				323,491
Retained earnings			237,045				219,238				198,435				183,238				166,537
Accumulated other comprehensive (loss) income			(8,911	)			5,916				7,669				10,920				10,874
Treasury stock, at cost			(1,099	)			(1,099	)			(1,099	)			(1,099	)			(1,099	)
Total shareholders' equity			674,932				670,773				650,530				531,027				513,830
Total liabilities and shareholders' equity		$	6,805,620			$	6,735,501			$	6,582,073			$	5,340,759			$	5,061,808

6

Third Coast Bancshares, Inc. and Subsidiary

Financial Highlights

(unaudited)

		Three Months Ended																				Nine Months Ended
		2026												2025								2026				2025
(Dollars in thousands, except per share data)		September 30				June 30				March 31				December 31				September 30				September 30				September 30
INTEREST INCOME:
Loans, including fees		$	94,593			$	94,584			$	85,893			$	81,368			$	82,054			$	275,070			$	234,847
Investment securities available-for-sale			7,020				6,482				6,107				6,464				6,289				19,609				17,487
Investment securities held-to-maturity			2,359				2,549				2,398				2,681				2,882				7,306				4,489
Federal funds sold and other			2,754				2,374				2,988				1,586				1,278				8,116				5,108
Total interest income			106,726				105,989				97,386				92,099				92,503				310,101				261,931
INTEREST EXPENSE:
Deposit accounts			44,709				43,384				41,484				37,530				39,030				129,577				112,791
FHLB advances and other borrowings			2,471				2,329				2,257				2,372				2,624				7,057				6,120
Total interest expense			47,180				45,713				43,741				39,902				41,654				136,634				118,911
Net interest income			59,546				60,276				53,645				52,197				50,849				173,467				143,020
Provision for credit losses			540				2,069				580				2,245				2,763				3,189				5,343
Net interest income after credit loss expense			59,006				58,207				53,065				49,952				48,086				170,278				137,677
NONINTEREST INCOME:
Service charges and fees			4,293				3,174				3,175				3,518				2,839				10,642				7,241
Earnings on bank-owned life insurance			797				748				750				811				786				2,295				2,206
Loss on sale of investment securities available-for-sale			-				(93	)			(11	)			(272	)			-				(104	)			(338	)
Gain on sale of factored receivables			-				3,463				-				-				-				3,463				-
Gain on sale of SBA loans			-				-				-				-				-				-				74
Other			1,231				425				119				204				10				1,775				209
Total noninterest income			6,321				7,717				4,033				4,261				3,635				18,071				9,392
NONINTEREST EXPENSE:
Salaries and employee benefits			24,981				24,804				24,808				21,109				19,560				74,593				56,080
Occupancy and equipment expense			3,414				3,259				3,349				2,845				2,861				10,022				8,478
Legal and professional			4,869				2,271				3,221				2,850				1,254				10,361				4,612
Data processing and network expense			1,578				1,595				1,414				1,087				1,203				4,587				3,485
Regulatory assessments			1,430				1,331				1,210				1,172				1,152				3,971				3,661
Advertising and marketing			799				737				639				733				499				2,175				1,411
Software purchases and maintenance			1,573				1,421				1,419				1,067				1,094				4,413				3,502
Loan operations and other real estate owned expense			1,018				656				537				397				29				2,211				737
Telephone and communications			166				158				144				126				134				468				424
Other			1,733				2,192				1,362				1,305				1,106				5,287				3,456
Total noninterest expense			41,561				38,424				38,103				32,691				28,892				118,088				85,846
NET INCOME BEFORE INCOME TAX         EXPENSE			23,766				27,500				18,995				21,522				22,829				70,261				61,223
Income tax expense			4,762				5,513				2,627				3,624				4,772				12,902				12,830
NET INCOME			19,004				21,987				16,368				17,898				18,057				57,359				48,393
Preferred stock dividends declared			1,197				1,184				1,171				1,197				1,197				3,552				3,553
NET INCOME AVAILABLE TO COMMON         SHAREHOLDERS		$	17,807			$	20,803			$	15,197			$	16,701			$	16,860			$	53,807			$	44,840
EARNINGS PER COMMON SHARE:
Basic earnings per share		$	1.07			$	1.25			$	1.03			$	1.21			$	1.22			$	3.36			$	3.24
Diluted earnings per share		$	0.93			$	1.08			$	0.88			$	1.02			$	1.03			$	2.90			$	2.77

7

Third Coast Bancshares, Inc. and Subsidiary

Financial Highlights

(unaudited)

		Three Months Ended																				Nine Months Ended
		2026												2025								2026				2025
(Dollars in thousands, except share and per share data)		September 30				June 30				March 31				December 31				September 30				September 30				September 30
Earnings per common share, basic		$	1.07			$	1.25			$	1.03			$	1.21			$	1.22			$	3.36			$	3.24
Earnings per common share, diluted		$	0.93			$	1.08			$	0.88			$	1.02			$	1.03			$	2.90			$	2.77
Dividends on common stock		$	-			$	-			$	-			$	-			$	-			$	-			$	-
Dividends on Series A Convertible         Non-Cumulative Preferred Stock		$	17.25			$	17.06			$	16.88			$	17.25			$	17.25			$	51.19			$	51.19
Return on average assets (A)			1.13	%			1.34	%			1.08	%			1.36	%			1.41	%			1.19	%			1.32	%
Return on average common equity (A)			11.49	%			13.96	%			11.29	%			14.42	%			15.14	%			12.27	%			14.13	%
Return on average tangible common         equity (A) (B)			12.59	%			15.36	%			12.23	%			15.03	%			15.81	%			13.42	%			14.79	%
Net interest margin (A) (C)			3.70	%			3.83	%			3.67	%			4.10	%			4.10	%			3.73	%			4.05	%
Efficiency ratio (D)			63.10	%			56.51	%			66.06	%			57.90	%			53.03	%			61.65	%			56.32	%
Capital Ratios
Third Coast Bancshares, Inc. (consolidated):
Total common equity to total assets			8.95	%			8.98	%			8.88	%			8.70	%			8.84	%			8.95	%			8.84	%
Tangible common equity to tangible         assets (B)			8.22	%			8.24	%			8.11	%			8.38	%			8.51	%			8.22	%			8.51	%
Estimated Common equity tier 1 (to risk         weighted assets)			9.20	%			8.82	%			8.84	%			8.65	%			8.85	%			9.20	%			8.85	%
Estimated Tier 1 capital (to risk weighted         assets)			10.28	%			9.89	%			9.96	%			9.97	%			10.25	%			10.28	%			10.25	%
Estimated Total capital (to risk weighted         assets)			12.45	%			12.01	%			12.13	%			12.48	%			12.90	%			12.45	%			12.90	%
Estimated Tier 1 capital (to average         assets)			9.55	%			9.35	%			9.65	%			9.65	%			9.55	%			9.55	%			9.55	%
Third Coast Bank:
Estimated Common equity tier 1 (to risk         weighted assets)			12.56	%			12.10	%			12.23	%			12.23	%			12.59	%			12.56	%			12.59	%
Estimated Tier 1 capital (to risk weighted         assets)			12.56	%			12.10	%			12.23	%			12.23	%			12.59	%			12.56	%			12.59	%
Estimated Total capital (to risk weighted         assets)			13.41	%			12.91	%			13.02	%			13.14	%			13.53	%			13.41	%			13.53	%
Estimated Tier 1 capital (to average         assets)			11.66	%			11.44	%			11.84	%			11.84	%			11.75	%			11.66	%			11.75	%
Other Data
Weighted average common shares:
Basic			16,655,357				16,591,144				14,814,661				13,889,497				13,860,149				16,027,130				13,824,963
Diluted			20,435,618				20,334,205				18,560,056				17,552,204				17,524,288				19,783,163				17,452,385
Period end common shares outstanding			16,664,058				16,639,127				16,562,268				13,891,055				13,879,099				16,664,058				13,879,099
Book value per common share		$	36.53			$	36.34			$	35.28			$	33.47			$	32.25			$	36.53			$	32.25
Tangible book value per common share (B)		$	33.31			$	33.08			$	31.97			$	32.12			$	30.91			$	33.31			$	30.91

___________

(A) Interim periods annualized.

(B) Refer to the calculation of these non-GAAP financial measures and a reconciliation to their most directly comparable GAAP financial measures at the end of this news release.

(C) Net interest margin represents net interest income divided by average interest-earning assets.

(D) Represents total noninterest expense divided by the sum of net interest income plus noninterest income. Taxes and provision for credit losses are not part of this calculation.

8

Third Coast Bancshares, Inc. and Subsidiary

Financial Highlights

(unaudited)

		Three Months Ended
		September 30, 2026										June 30, 2026										September 30, 2025
(Dollars in thousands)		Average Outstanding Balance				Interest Earned/ Paid(3)				Average Yield/ Rate(4)		Average Outstanding Balance				Interest Earned/ Paid(3)				Average Yield/ Rate(4)		Average Outstanding Balance				Interest Earned/ Paid(3)				Average Yield/ Rate(4)
Assets
Interest-earnings assets:
Loans, gross		$	5,396,683			$	94,593			6.95%		$	5,371,846			$	94,584			7.06%		$	4,179,027			$	82,054			7.79%
Investment securities available-for-sale			492,929				7,020			5.65%			432,863				6,482			6.01%			410,073				6,289			6.08%
Investment securities held-to-maturity			192,152				2,359			4.87%			191,970				2,549			5.33%			206,055				2,882			5.55%
Federal funds sold and other interest-         earning assets			299,444				2,754			3.65%			315,434				2,374			3.02%			123,680				1,278			4.10%
Total interest-earning assets			6,381,208				106,726			6.64%			6,312,113				105,989			6.73%			4,918,835				92,503			7.46%
Less: allowance for credit losses			(53,612	)									(52,533	)									(40,427	)
Total interest-earning assets, net of         allowance			6,327,596										6,259,580										4,878,408
Noninterest-earning assets			325,704										330,121										213,210
Total assets		$	6,653,300									$	6,589,701									$	5,091,618
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Interest-bearing deposits		$	5,084,277			$	44,709			3.49%		$	5,108,166			$	43,384			3.41%		$	3,892,726			$	39,030			3.98%
Note payable and line of credit			142,832				2,155			5.99%			139,733				2,091			6.00%			113,560				1,754			6.13%
FHLB advances			31,986				316			3.92%			24,719				238			3.86%			73,476				870			4.70%
Total interest-bearing liabilities			5,259,095				47,180			3.56%			5,272,618				45,713			3.48%			4,079,762				41,654			4.05%
Noninterest-bearing deposits			654,281										599,000										453,980
Other liabilities			58,749										54,236										49,842
Total liabilities			5,972,125										5,925,854										4,583,584
Shareholders’ equity			681,175										663,847										508,034
Total liabilities and shareholders’         equity		$	6,653,300									$	6,589,701									$	5,091,618
Net interest income						$	59,546									$	60,276									$	50,849
Net interest spread (1)										3.08%										3.25%										3.41%
Net interest margin (2)										3.70%										3.83%										4.10%

___________

(1) Net interest spread is the average yield on interest earning assets minus the average rate on interest-bearing liabilities.

(2) Net interest margin represents net interest income divided by average interest-earning assets.

(3) Interest earned/paid includes accretion of deferred loan fees, premiums and discounts.

(4) Annualized.

9

Third Coast Bancshares, Inc. and Subsidiary

Financial Highlights

(unaudited)

		Nine Months Ended
		September 30, 2026										September 30, 2025
(Dollars in thousands)		Average Outstanding Balance				Interest Earned/ Paid(3)				Average Yield/ Rate(4)		Average Outstanding Balance				Interest Earned/ Paid(3)				Average Yield/ Rate(4)
Assets
Interest-earnings assets:
Loans, gross		$	5,248,655			$	275,070			7.01%		$	4,060,615			$	234,847			7.73%
Investment securities available-for-sale			443,053				19,609			5.92%			396,919				17,487			5.89%
Investment securities held-to-maturity			192,041				7,306			5.09%			108,575				4,489			5.53%
Federal funds sold and other interest-earning assets			325,802				8,116			3.33%			159,941				5,108			4.27%
Total interest-earning assets			6,209,551				310,101			6.68%			4,726,050				261,931			7.41%
Less: allowance for credit losses			(51,673	)									(40,550	)
Total interest-earning assets, net of allowance			6,157,878										4,685,500
Noninterest-earning assets			309,434										207,355
Total assets		$	6,467,312									$	4,892,855
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Interest-bearing deposits		$	4,985,877			$	129,577			3.47%		$	3,771,393			$	112,791			4.00%
Note payable and line of credit			137,812				6,190			6.01%			112,318				5,186			6.17%
FHLB advances and other			32,257				867			3.59%			26,574				934			4.70%
Total interest-bearing liabilities			5,155,946				136,634			3.54%			3,910,285				118,911			4.07%
Noninterest-bearing deposits			601,182										436,412
Other liabilities			57,538										55,754
Total liabilities			5,814,666										4,402,451
Shareholders’ equity			652,646										490,404
Total liabilities and shareholders’ equity		$	6,467,312									$	4,892,855
Net interest income						$	173,467									$	143,020
Net interest spread (1)										3.14%										3.34%
Net interest margin (2)										3.73%										4.05%

___________

(1) Net interest spread is the average yield on interest earning assets minus the average rate on interest-bearing liabilities.

(2) Net interest margin represents net interest income divided by average interest-earning assets.

(3) Interest earned/paid includes accretion of deferred loan fees, premiums and discounts.

(4) Annualized.

10

Third Coast Bancshares, Inc. and Subsidiary

Financial Highlights

(unaudited)

		Three Months Ended
		2026												2025
(Dollars in thousands)		September 30				June 30				March 31				December 31				September 30
Period-end Loan Portfolio:
Real estate loans:
Commercial real estate:
Non-farm non-residential owner occupied		$	609,699			$	583,989			$	572,037			$	434,715			$	408,996
Non-farm non-residential non-owner occupied			988,249				932,147				929,598				710,401				687,924
Residential			514,474				530,189				543,804				333,419				334,583
Construction, development & other			888,908				887,805				894,767				823,353				826,566
Farmland			32,841				32,898				32,379				26,485				25,549
Commercial & industrial			2,368,844				2,369,582				2,182,864				1,906,616				1,772,045
Consumer			1,715				1,871				2,265				1,576				1,291
Municipal and other			88,773				97,933				93,744				158,186				108,162
Total loans		$	5,493,503			$	5,436,414			$	5,251,458			$	4,394,751			$	4,165,116
Asset Quality:
Nonaccrual loans		$	23,050			$	21,557			$	29,222			$	10,120			$	10,723
Loans > 90 days and still accruing			5,929				5,555				6,396				11,360				11,016
Total nonperforming loans			28,979				27,112				35,618				21,480				21,739
Other real estate owned			26,999				27,321				8,388				8,388				8,388
Total nonperforming assets		$	55,978			$	54,433			$	44,006			$	29,868			$	30,127
QTD Net (recoveries) charge-offs		$	(27	)		$	(150	)		$	(5	)		$	844			$	(17	)
Nonaccrual loans:
Real estate loans:
Commercial real estate:
Non-farm non-residential owner occupied		$	5,129			$	3,320			$	618			$	1,235			$	1,237
Non-farm non-residential non-owner occupied			5,365				5,584				17,140				99				111
Residential			-				198				374				387				214
Construction, development & other			-				-				603				-				6
Commercial & industrial			12,556				12,455				10,487				8,399				9,155
Total nonaccrual loans		$	23,050			$	21,557			$	29,222			$	10,120			$	10,723
Asset Quality Ratios:
Nonperforming assets to total assets			0.82	%			0.81	%			0.67	%			0.56	%			0.60	%
Nonperforming loans to total loans			0.53	%			0.50	%			0.68	%			0.49	%			0.52	%
Allowance for credit losses to total loans			0.99	%			0.99	%			0.98	%			1.00	%			1.02	%
QTD Net (recoveries) charge-offs to average loans         (annualized)			(0.00	%)			(0.01	%)			(0.00	%)			0.08	%			(0.00	%)

11

Third Coast Bancshares, Inc. and Subsidiary

GAAP Reconciliation and Management's Explanation of Non-GAAP Financial Measures

(unaudited)

Our accounting and reporting policies conform to GAAP (generally accepted accounting principles) and the prevailing practices in the banking industry. However, we also evaluate our performance based on certain additional financial measures discussed in this earnings release as being non-GAAP financial measures. Specifically, we review Tangible Common Equity, Tangible Book Value Per Common Share, Tangible Common Equity to Tangible Assets, Return on Average Tangible Common Equity, Return on Average Assets as Adjusted (Non-GAAP), Return on Average Common Equity as Adjusted (Non-GAAP), Return on Average Tangible Common Equity as Adjusted (Non-GAAP), Net Income as Adjusted (Non-GAAP), and Diluted Earnings Per Common Share as Adjusted (Non-GAAP) for internal planning and forecasting purposes. We classify a financial measure as a non-GAAP financial measure if that financial measure excludes or includes amounts, or is subject to adjustments that have the effect of excluding or including amounts, that are not included or excluded, as the case may be, in the most directly comparable measure calculated and presented in accordance with GAAP as in effect from time to time in the United States in our statements of income, balance sheets or statements of cash flows. Non-GAAP financial measures do not include operating and other statistical measures or ratios, or statistical measures calculated using exclusively financial measures calculated in accordance with GAAP.

The non-GAAP financial measures that we discuss in this earnings release should not be considered in isolation or as a substitute for the most directly comparable or other financial measures calculated in accordance with GAAP. Moreover, the manner in which we calculate the non-GAAP financial measures that we discuss in this earnings release may differ from that of other companies reporting measures with similar names. It is important to understand how other banking organizations calculate their financial measures with names similar to the non-GAAP financial measures we have discussed in this earnings release when comparing such non-GAAP financial measures.

Management believes the following non-GAAP financial measures assist investors in understanding the financial condition and results of operations of the company:

•Tangible Common Equity. The most directly comparable GAAP financial measure for tangible common equity is total shareholders’ equity. We believe that this measure is important to many investors in the marketplace who are interested in the relative changes from period to period of tangible common equity.

•Tangible Book Value Per Common Share. The most directly comparable GAAP financial measure for tangible book value per common share is book value per common share. We believe that the tangible book value per common share measure is important to many investors in the marketplace who are interested in changes from period to period in book value per common share exclusive of changes in intangible assets. Goodwill and other intangible assets have the effect of increasing total book value while not increasing our tangible book value.

•Tangible Common Equity to Tangible Assets. The most directly comparable GAAP financial measure for tangible common equity is total shareholders’ equity, the most directly comparable GAAP financial measure for tangible assets is total assets, and the most directly comparable GAAP financial measure for tangible common equity to tangible assets is total shareholders’ equity to total assets. We believe that this measure is important to many investors in the marketplace who are interested in the relative changes from period to period of tangible common equity to tangible assets, each exclusive of changes in intangible assets. Goodwill and other intangible assets have the effect of increasing both total shareholders’ equity and assets while not increasing our tangible common equity or tangible assets.

•Return on Average Tangible Common Equity. The most directly comparable GAAP financial measure for average tangible common equity is average shareholders' equity, and the most directly comparable GAAP financial measure for return on average tangible common equity is return on average common equity. We believe that this measure is important to many investors in the marketplace who are interested in the relative changes from period to period of return on average tangible common equity, exclusive of changes in intangible assets. Goodwill and other intangible assets have the effect of increasing average shareholders’ equity while not increasing our tangible common equity.

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•Return on Average Assets as Adjusted (Non-GAAP). The most directly comparable GAAP financial measure for return on average assets as adjusted (non-GAAP) is return on average assets. We believe that this measure is important to many investors in the marketplace who are interested in the relative changes from period to period of return on average assets as adjusted for the exclusion of significant income or expenses that are unusual or not expected to recur during the year, in order to reduce distortion within the ratios.

•Return on Average Common Equity as Adjusted (Non-GAAP). The most directly comparable GAAP financial measure for return on average common equity as adjusted (non-GAAP) is return on average common equity. We believe that this measure is important to many investors in the marketplace who are interested in the relative changes from period to period of return on average common equity as adjusted for the exclusion of significant income or expenses that are unusual or not expected to recur during the year, in order to reduce distortion within the ratios.

•Return on Average Tangible Common Equity as Adjusted (Non-GAAP). The most directly comparable GAAP financial measure for return on average tangible common equity as adjusted (non-GAAP) is return on average common equity. We believe that this measure is important to many investors in the marketplace who are interested in the relative changes from period to period of return on average tangible common equity, exclusive of changes in intangible assets. Goodwill and other intangible assets have the effect of increasing average shareholders’ equity while not increasing our tangible common equity as adjusted for the exclusion of significant income or expenses that are unusual or not expected to recur during the year, in order to reduce distortion within the ratios.

•Net Income as Adjusted (Non-GAAP). The most directly comparable GAAP financial measure for net income as adjusted (non-GAAP) is net income. We believe that this measure is important to many investors in the marketplace who are interested in the relative changes from period to period of net income as adjusted for the exclusion of significant income or expenses that are unusual or not expected to recur during the year, in order to reduce distortion within the totals.

•Diluted Earnings Per Common Share as Adjusted (Non-GAAP). The most directly comparable GAAP financial measure for diluted earnings per common share as adjusted (non-GAAP) is diluted earnings per common share. We believe that this measure is important to many investors in the marketplace who are interested in the relative changes from period to period of diluted earnings per common share as adjusted for the exclusion of significant income or expenses that are unusual or not expected to recur during the year, in order to reduce distortion within the ratios.

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The calculations of these non-GAAP financial measures are as follows:

		Three Months Ended																				Nine Months Ended
		2026												2025								2026				2025
(Dollars in thousands, except share and per share data)		September 30				June 30				March 31				December 31				September 30				September 30				September 30
Tangible Common Equity:
Total shareholders' equity		$	674,932			$	670,773			$	650,530			$	531,027			$	513,830			$	674,932			$	513,830
Less: Preferred stock including additional         paid in capital			66,160				66,160				66,160				66,160				66,160				66,160				66,160
Total common equity			608,772				604,613				584,370				464,867				447,670				608,772				447,670
Less: Goodwill and core deposit intangibles,         net			53,734				54,160				54,883				18,680				18,720				53,734				18,720
Tangible common equity		$	555,038			$	550,453			$	529,487			$	446,187			$	428,950			$	555,038			$	428,950
Common shares outstanding at end of period			16,664,058				16,639,127				16,562,268				13,891,055				13,879,099				16,664,058				13,879,099
Book Value Per Common Share		$	36.53			$	36.34			$	35.28			$	33.47			$	32.25			$	36.53			$	32.25
Tangible Book Value Per Common Share		$	33.31			$	33.08			$	31.97			$	32.12			$	30.91			$	33.31			$	30.91
Tangible Assets:
Total assets		$	6,805,620			$	6,735,501			$	6,582,073			$	5,340,759			$	5,061,808			$	6,805,620			$	5,061,808
Adjustments: Goodwill and core deposit         intangibles, net			53,734				54,160				54,883				18,680				18,720				53,734				18,720
Tangible assets		$	6,751,886			$	6,681,341			$	6,527,190			$	5,322,079			$	5,043,088			$	6,751,886			$	5,043,088
Total Common Equity to Total Assets			8.95	%			8.98	%			8.88	%			8.70	%			8.84	%			8.95	%			8.84	%
Tangible Common Equity to Tangible Assets			8.22	%			8.24	%			8.11	%			8.38	%			8.51	%			8.22	%			8.51	%
Average Tangible Common Equity:
Average shareholders' equity		$	681,175			$	663,847			$	612,170			$	525,759			$	508,034			$	652,646			$	490,404
Less: Average preferred stock including         additional paid in capital			66,160				66,160				66,160				66,160				66,160				66,160				66,160
Average common equity			615,015				597,687				546,010				459,599				441,874				586,486				424,244
Less: Average goodwill and core deposit         intangibles, net			54,007				54,580				42,115				18,705				18,746				50,277				18,785
Average tangible common equity		$	561,008			$	543,107			$	503,895			$	440,894			$	423,128			$	536,209			$	405,459
Net Income		$	19,004			$	21,987			$	16,368			$	17,898			$	18,057			$	57,359			$	48,393
Less: Dividends declared on preferred stock			1,197				1,184				1,171				1,197				1,197				3,552				3,553
Net Income Available to Common Shareholders		$	17,807			$	20,803			$	15,197			$	16,701			$	16,860			$	53,807			$	44,840
Return on Average Common Equity(A)			11.49	%			13.96	%			11.29	%			14.42	%			15.14	%			12.27	%			14.13	%
Return on Average Tangible Common Equity(A)			12.59	%			15.36	%			12.23	%			15.03	%			15.81	%			13.42	%			14.79	%

___________

(A) Interim periods annualized.

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		Three Months Ended																				Nine Months Ended
		2026												2025								2026				2025
(Dollars in thousands, except share and per share data)		September 30				June 30				March 31				December 31				September 30				September 30				September 30
Net Income as adjusted (non-GAAP)
Net income		$	19,004			$	21,987			$	16,368			$	17,898			$	18,057			$	57,359			$	48,393
Pre-tax adjustments:
Acquisition-related accelerated amortization on     loan fair value marks			637				228				549				-				-				1,414				-
Gain on sale of factored receivables			-				(3,463	)			-				-				-				(3,463	)			-
Acquisition-related salaries and employee     benefits			391				497				1,310				-				-				2,198				-
Acquisition-related other professional expense			2,179				130				1,276				505				-				3,585				-
Total pre-tax adjustments			3,207				(2,608	)			3,135				505				-				3,734				-
Tax-effect of adjustments			589				(479	)			576				85				-				686				-
Total adjustments after tax			2,618				(2,129	)			2,559				420				-				3,048				-
Net income as adjusted (non-GAAP)		$	21,622			$	19,858			$	18,927			$	18,318			$	18,057			$	60,407			$	48,393
Preferred stock dividends		$	1,197			$	1,184			$	1,171			$	1,197			$	1,197			$	3,552			$	3,553
Net income available to common shareholders     as adjusted (non-GAAP)		$	20,425			$	18,674			$	17,756			$	17,121			$	16,860			$	56,855			$	44,840
Diluted earnings per share		$	0.93			$	1.08			$	0.88			$	1.02			$	1.03			$	2.90			$	2.77
Adjustments after-tax			0.13				(0.10	)			0.14				0.02				-				0.15				-
Diluted earnings per common share as adjusted     (non-GAAP)		$	1.06			$	0.98			$	1.02			$	1.04			$	1.03			$	3.05			$	2.77
Return on average assets			1.13	%			1.34	%			1.08	%			1.36	%			1.41	%			1.19	%			1.32	%
Return on average assets as adjusted     (non-GAAP)(A)			1.29	%			1.21	%			1.25	%			1.39	%			1.41	%			1.25	%			1.32	%
Return on average common equity as adjusted     (non-GAAP)(A)			13.18	%			12.53	%			13.19	%			14.78	%			15.14	%			12.96	%			14.13	%
Return on average tangible common equity     as adjusted (non-GAAP)(A)			14.44	%			13.79	%			14.29	%			15.41	%			15.81	%			14.18	%			14.79	%

___________

(A) Interim periods annualized.

No Offer or Solicitation

This communication is being made in respect of the proposed merger transaction involving Third Coast and Great Plains. This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities or the solicitation of any vote or approval, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. No offer of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act and otherwise in accordance with applicable law.

Important Additional Information and Where to Find It

Third Coast intends to file a registration statement on Form S-4 with the SEC, which will include a joint proxy statement of Great Plains and Third Coast that also constitutes a prospectus of Third Coast, and Third Coast will file other documents regarding the proposed transaction with the SEC. A definitive joint proxy statement/prospectus will also be sent to Great Plains’ and Third Coast’s shareholders seeking the required shareholder approvals of the proposed transaction.

INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S-4 AND THE JOINT PROXY STATEMENT/PROSPECTUS INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4 WHEN THEY BECOME AVAILABLE, AS WELL AS ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC IN CONNECTION WITH THE TRANSACTION OR INCORPORATED BY REFERENCE INTO THE REGISTRATION STATEMENT ON FORM S-4 AND THE JOINT PROXY STATEMENT/PROSPECTUS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION REGARDING THIRD COAST, GREAT PLAINS, THE TRANSACTION AND RELATED MATTERS.

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The documents filed by Third Coast with the SEC may be obtained free of charge at the SEC’s website at www.sec.gov. In addition, the documents filed by Third Coast may be obtained free of charge at its website at https://ir.thirdcoast.bank/financials/sec-filings/. Alternatively, these documents, when available, can be obtained free of charge from Third Coast upon written request to Third Coast Bancshares, Inc., Attn: Investor Relations, 1800 West Loop South, Suite 875, Houston, TX 77027, or by calling (713) 960-1300.

Participants in this Transaction

Third Coast, Great Plains, their respective directors and executive officers and certain of their other members of management and employees may be deemed to be participants in the solicitation of proxies from Great Plains’ shareholders and Third Coast’s shareholders in connection with the proposed transaction. Information about the directors and executive officers of Third Coast may be found in Third Coast’s Annual Report on Form 10-K for the year ended December 31, 2025, as filed with the SEC on March 4, 2026 and in Third Coast’s proxy statement for its 2026 Annual Meeting of Shareholders, as filed with the SEC on April 16, 2026, copies of which can be obtained free of charge from Third Coast or from the SEC’s website as indicated above. To the extent the holdings of Third Coast’s securities by its directors and executive officers have changed since the amounts set forth in Third Coast’s proxy statement for its 2026 Annual Meeting of Shareholders, such changes have been or will be reflected on Statements of Changes in Beneficial Ownership of Securities on Form 4 filed with the SEC. Additional information regarding the interests of these participants and other persons who may be deemed participants in the transaction will be included in the joint proxy statement/prospectus and other relevant materials when filed with the SEC.

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THIRD COASTBANCSHARES, INC. NYSE & NYSE Texas: TCBX Investor Presentation October 2026 © 2026 Third Coast Bancshares, Inc. Exhibit 99.2

02 DISCLAIMER Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are subject to risks and uncertainties and are made pursuant to the safe harbor provisions of Section 27A of the Securities Act of 1933, as amended, (the “Securities Act”) and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements reflect the current views of Third Coast Bancshares, Inc. (the “Company,” “Third Coast,” “we,” “us,” or “our”) with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “looking ahead,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “projection,” “would” and “outlook,” or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following: interest rate risk and fluctuations in interest rates; market conditions and economic trends generally and in the banking industry; our ability to maintain important deposit relationships; our ability to grow or maintain our deposit base; our ability to implement our expansion strategy; our ability to pay dividends on our Series A Preferred Stock; credit risk associated with our business; economic conditions affecting the real estate market; prepayment risks associated with commercial real estate loans; liquidity risks in the securitization market; operational risks related to the administration of securitized assets; changes in key management personnel; the risk that the benefits from the transaction may not be fully realized or may take longer to realize than expected, including as a result of changes in, or problems arising from, the occurrence of any event, change or other circumstance that could give rise to the right of one or both of the parties to terminate the definitive merger agreement providing for the acquisition of Great Plains Bancshares, Inc (“Great Plains”) by Third Coast; the outcome of any legal proceedings that may be instituted against Third Coast or Great Plains; the possibility that the transaction does not close when expected or at all because required regulatory, shareholder, or other approvals and other conditions to closing are not received or satisfied on a timely basis or at all (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combine company or the expected benefits of the transaction); general economic and market conditions, interest and exchange rates, monetary policy, laws and regulations and their enforcement, and the degree of competition in the geographic and business areas in which Third Coast and Great Plains operate; the risk that the integration of each party’s operations will be materially delayed or will be more costly or difficult than expected or that the parties are otherwise unable to successfully integrate each party’s businesses into the other’s businesses; disruption to the parties’ businesses as a result of the announcement and pendency of the transaction; the possibility that transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events; reputational risk and potential adverse reactions of Third Coast’s or Great Plains’ customers, suppliers, employees or other business partners, including those resulting from the announcement or completion of the transaction; the dilution caused by Third Coast’s issuance of additional shares of its common stock in connection with the transaction; a material adverse change in the financial condition of Third Coast or Great Plains; the diversion of management’s attention and time from ongoing business operations and opportunities on merger-related matters; and other factors that may affect future results of Third Coast and Great Plains including changes in asset quality and credit risk, the inability to sustain revenue and earnings growth, changes in interest rates and capital markets, inflation, customer borrowing, repayment, investment and deposit practices, the impact, extent and timing of technological changes, capital management activities and other actions of the Board of Governors of the Federal Reserve System and legislative and regulatory actions and reforms. For a discussion of additional factors that could cause our actual results to differ materially from those described in the forward-looking statements, please see the risk factors discussed in our Annual Report on Form 10-K for the year ended December 31, 2025, filed with the U.S. Securities and Exchange Commission (the “SEC”), and our other filings with the SEC. The foregoing factors should not be construed as exhaustive and should be read together with the other cautionary statements included in this presentation. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. Accordingly, you should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. New factors emerge from time to time, and it is not possible for us to predict which will arise. In addition, we cannot assess the impact of each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements. No Offer or Solicitation This communication is being made in respect of the proposed merger transaction involving Third Coast and Great Plains. This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities or the solicitation of any vote or approval, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. No offer of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act and otherwise in accordance with applicable law.  Continued next page.

03 DISCLAIMER Important Additional Information and Where to Find It Third Coast intends to file a registration statement on Form S-4 with the SEC, which will include a joint proxy statement of Great Plains and Third Coast that also constitutes a prospectus of Third Coast, and Third Coast will file other documents regarding the proposed transaction with the SEC. A definitive joint proxy statement/prospectus will also be sent to Great Plains’ and Third Coast’s shareholders seeking the required shareholder approvals of the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S-4 AND THE JOINT PROXY STATEMENT/PROSPECTUS INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4 WHEN THEY BECOME AVAILABLE, AS WELL AS ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC IN CONNECTION WITH THE TRANSACTION OR INCORPORATED BY REFERENCE INTO THE REGISTRATION STATEMENT ON FORM S-4 AND THE JOINT PROXY STATEMENT/PROSPECTUS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION REGARDING THIRD COAST, GREAT PLAINS, THE TRANSACTION AND RELATED MATTERS. The documents filed by Third Coast with the SEC may be obtained free of charge at the SEC’s website at www.sec.gov. In addition, the documents filed by Third Coast may be obtained free of charge at its website at https://ir.thirdcoast.bank/financials/sec-filings/. Alternatively, these documents, when available, can be obtained free of charge from Third Coast upon written request to Third Coast Bancshares, Inc., Attn: Investor Relations, 1800 West Loop South, Suite 875, Houston, TX 77027, or by calling (713) 960-1300. Participants in this Transaction Third Coast, Great Plains, their respective directors and executive officers and certain of their other members of management and employees may be deemed to be participants in the solicitation of proxies from Great Plains’ shareholders and Third Coast’s shareholders in connection with the proposed transaction. Information about the directors and executive officers of Third Coast may be found in Third Coast’s Annual Report on Form 10-K for the year ended December 31, 2025, as filed with the SEC on March 4, 2026 and in Third Coast’s proxy statement for its 2026 Annual Meeting of Shareholders, as filed with the SEC on April 16, 2026, copies of which can be obtained free of charge from Third Coast or from the SEC’s website as indicated above. To the extent the holdings of Third Coast’s securities by its directors and executive officers have changed since the amounts set forth in Third Coast’s proxy statement for its 2026 Annual Meeting of Shareholders, such changes have been or will be reflected on Statements of Changes in Beneficial Ownership of Securities on Form 4 filed with the SEC. Additional information regarding the interests of these participants and other persons who may be deemed participants in the transaction will be included in the joint proxy statement/prospectus and other relevant materials when filed with the SEC. NON-GAAP FINANCIAL MEASURES This presentation contains non-GAAP financial measures, including Tangible Common Equity, Tangible Book Value Per Common Share, Tangible Common Equity to Tangible Assets, Return on Average Assets as Adjusted (Non-GAAP), Return on Average Common Equity as Adjusted (Non-GAAP), Return on Average Tangible Common Equity as Adjusted (Non-GAAP), Net Income as Adjusted (Non-GAAP), and Diluted Earnings Per Common as Adjusted (Non-GAAP), Return on Average Tangible Common Equity. The non-GAAP financial measures that we discuss in this presentation should not be considered in isolation or as a substitute for the most directly comparable or other financial measures calculated in accordance with GAAP. A reconciliation of the non-GAAP financial measures used in this presentation to the most directly comparable GAAP measures is provided in the Appendix to this presentation. 

04 SENIOR EXECUTIVE MANAGEMENT Bart O. Caraway Founder, Chairman, President & CEO Founded Third Coast in 2008. Serves as Chairman, President, and CEO of the Bank and the Company since formation in 2013. Chairman, President, and CEO of Third Coast Commercial Capital. Texas licensed attorney and CPA with over 30 years of banking and public accounting experience. University of Texas BBA in Accounting. Law Degree from University of Houston Law School.  John McWhorter Sr. EVP, Chief Financial Officer Serves as Senior Executive Vice President and Chief Financial Officer since April 2015. Over 35 years of banking, bank audit and public accounting experience as a CPA. Previously held positions with Bank of Houston as EVP CFO, Cadence Bancorporation LLC as EVP CFO, and Amegy Bank as SVP Controller during its IPO. University of Texas BBA in Accounting. Audrey Spaulding Sr. EVP, Chief Credit Officer Serves as Senior Executive Vice President and Chief Credit Officer since June 2015. Also serves as Chairperson of Officers’ Loan Committee and the Special Assets Committee. Over 35 years of banking and bank regulator experience. Previously held positions with LegacyTexas Bank as SVP Credit Officer and Director of Credit Risk Management, as well as Senior and Commissioned Bank Examiner with The Federal Reserve Bank of Dallas. Texas Tech University BBA in Finance.

05 EXECUTIVE MANAGEMENT Bill Bobbora EVP, Chief Banking Officer Serves as EVP Chief Banking Officer since May 2022 and joined the bank in October 2021. Over 30 years experience in Commercial, Corporate, and Investment Banking. Previously held positions as Head of Corporate Banking at Third Coast Bank, Managing Director of Regions Securities Corporate & Investment Banking in Houston, EVP Managing Director with Cadence Bank, Texas Commerce Bank (now JP Morgan Chase), Wachovia (now Wells Fargo) and KeyBanc Capital Markets. University of Nebraska and University of Texas MBA.  Liz Eber EVP, Chief Legal Officer Serves as EVP Chief Legal Officer since March 2024 and joined the bank in January 2023. Expertise in legal support across various domains including banking, payments, privacy, governance, employment, litigation, and compliance. Previously held positions with FIS Global and the federal government in Washington, D.C. George Mason University’s Antonin Scalia Law School and University of Florida. Christopher Peacock EVP, Chief Retail Officer Serves as EVP Chief Retail Officer since February 2021 when he joined the bank. Over 35 years of banking experience and 25 years of retail executive experience. Previously held positions as Chief Financial Officer and Retail Executive at BMO Harris and Huntington National Banks. Florida State University BS in Finance. Laura Rau EVP, Chief Risk Officer Serves as EVP Chief Risk Officer since January 2026 when she joined the bank. Most recently held the position of Chief Compliance Officer at a large regional bank. Expertise in regulatory compliance, including BSA/AML sanctions and counter-terrorist financing, consumer compliance, and compliance management systems. Additional expertise in money transmitters and MSBs. Previously held positions include MoneyGram and Western Union as the Head of Global BSA/AML Program Office as well as Washington State Gambling Commission regulator and Federal Reserve Bank internal auditor. University of Minnesota BA and Regis University MBA.

06 FRANCHISE OVERVIEW  FINANCIAL HIGHLIGHTS  (1) Efficiency ratio represents noninterest expense divided by the sum of net interest income and noninterest income (2) Refer to the calculation of non-GAAP financial measures on page 23.   As of As of As of As of As of As of Balance Sheet ($M, Except per Share) 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 9/30/2026 Total Assets $2,499 $3,773 $4,396 $4,942 $5,341 $6,806 Total Loans $2,069 $3,108 $3,639 $3,966 $4,395 $5,494 Total Deposits $2,141 $3,236 $3,803 $4,310 $4,627 $5,925 Loans/ Deposits 96.6% 96.0% 95.7% 92.0% 95.0% 92.7% Tangible Book Value per Common Share(2) $20.87 $21.90 $24.02 $27.29 $32.12 $33.31   FYE FYE FYE FYE FYE YTD Profitability (Year-to-Date) 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 9/30/2026 Return on Average Assets 0.55% 0.58% 0.86% 1.05% 1.33% 1.19% Return on Average Tangible Common Equity (2) 7.55% 6.00% 9.19% 12.09% 14.21% 13.42% Yield on Loans 6.01% 5.43% 7.39% 7.80% 7.68% 7.01% Cost of Deposits 0.47% 1.14% 3.53% 4.08% 3.52% 3.10% Net Interest Margin 4.65% 3.82% 3.73% 3.67% 4.06% 3.73% Efficiency Ratio(1) 74.43% 71.40% 67.55% 60.88% 56.75% 61.65%   FYE FYE FYE FYE FYE As of Asset Quality 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 9/30/2026 NPAs to Total Assets 0.69% 0.32% 0.39% 0.58% 0.56% 0.82% NCOs to Avg. Loans 0.16% 0.04% 0.04% 0.09% 0.09% (0.00%) We are a commercially focused bank founded in 2008, with headquarters in Humble, Texas. Third Coast currently has 20 branches located throughout Austin, Beaumont-Port Arthur, Dallas-Fort Worth, Greater Houston, and San Antonio markets. Headquarters Branches (19)

07 DYNAMIC TEXAS MARKETS  Austin Source: https://datusa.io and https://data.census.gov/ Beaumont-Port Arthur Dallas-Fort Worth Greater Houston San Antonio Austin MSA is projected to be the fastest growing large MSA in the country (as defined by MSAs with a population over two million), with a forecasted growth rate of 8.5% through 2026. Austin has transformed itself into a hotbed for technology companies and was recently designated as a top 10 Global Technology Innovation Hub City by KPMG. The Golden Triangle, a core market for Third Coast. Investment in Beaumont and Southeast Texas with $80 billion worth of current and planned industrial projects, more than $4.5 billion in infrastructure projects and more than $460 million in commercial and retail projects. This region is a strategic location seated along the Gulf Coast, 30 miles west of Louisiana and 90 miles east of Houston, businesses have access to more than 2.5 million people within a two-hour drive. Dallas MSA is the largest in Texas and the fourth largest in the U.S. and has been growing by approximately 322 residents every day. It boasts the largest gross domestic product in the state and the sixth largest in the nation. DFW headquarters 22 Fortune 500 companies including ExxonMobil, AT&T, American Airlines and Charles Schwab. It also hosts approximately 3.6 million working professionals and ranks first in the nation for total job growth from December 2015 through December 2020. Houston MSA is projected to grow approximately 7.6% over the next five years, ranking first among the nation’s 10 largest MSAs and more than double the nationwide projected growth. Houston is the nation’s fourth largest most populous city and fifth most populous metro area, with approximately 2.31 million and 7.05 million residents, respectively. It’s a center for global trade, with the Houston Port ranking first among U.S. ports. It is also headquarters for 24 Fortune 500 companies and employs approximately 3.1 million working professionals. The population in the San Antonio MSA is projected to grow by approximately 7.6% over the next five years, compared to 6.8% for the state of Texas and 2.9% for the United States.

08 LINE OF BUSINESS DIVERSITY  COMMERCIAL BANKING Commercial lines of business include Community Banking, the foundation on which TCB is built and remains a core strength, Commercial Banking, and Corporate Banking, both built out of strong regional middle market banking teams focused on Gulf Coast, Houston, Central Texas, and DFW economies. Commercial Loans Lines of Credit Term Loans Owner-Occupied Real Estate & Investment Real Estate Equipment Financing Acquisition Financing CRE Community, Middle Market, and Corporate Banking SBA Member of the SBA Preferred Lenders Program, enabling expedited approval process for customers. Began as key element to serving small to medium-sized businesses. Small Business Loans Improved Real Estate Acquisition EXIM Financing TREASURY MANAGEMENT Our comprehensive Treasury Management suite enhances commercial client engagement by delivering technology-enabled cash flow, payment, and fraud mitigation solutions, creating recurring fee revenue opportunities and stronger operating account retention. BUILDER FINANCE Expert bankers in the residential real estate market, began in second quarter of 2021. Specialty banking and lending solutions for private and publicly traded home building companies. Self contained business unit with stellar credit record. Homebuilder Master Planned Community Bond Anticipation Note Finance Institutional MORTGAGE Mortgage offers loans for Home Purchase, Home Refinance, Construction lending, and Investment Properties. Note: SBA and Mortgage lines of business do not individually make up a material portion of the total loan portfolio.

09 BALANCE SHEET GROWTH  $ in Millions TOTAL LOANS TOTAL DEPOSITS TOTAL ASSETS

10 PROFITABILITY  (1) Refer to the calculation of non-GAAP financial measures on page 23. NET INCOME - QUARTERLY TANGIBLE BOOK VALUE PER COMMON SHARE (1) DILUTED E.P.S. - QUARTERLY $ in Thousands

11 PROFITABILITY TRENDS  (1) Interim period annualized. NET INTEREST MARGIN – QUARTERLY (1) NONINTEREST EXP. TO AVG. EARNING ASSETS – QTRLY (1) EFFICIENCY RATIO - QUARTERLY

12 PROFITABILITY TRENDS  Interim period annualized. PRE-TAX, PRE-PROVISION ROAA – QUARTERLY (1) RETURN ON AVERAGE COMMON EQUITY – QUARTERLY (1) RETURN ON AVERAGE ASSETS – QUARTERLY (1)

13 CAPITAL RATIOS  Top graph assumes Preferred Stock is converted to Common Stock. Refer to the calculation of non-GAAP financial measures on pages 23, 24, and 25. TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS (1) (2) TOTAL RISK BASED CAPITAL RATIO - BANK TOTAL COMMON EQUITY TO TOTAL ASSETS

14 DEPOSIT BASE TRANSFORMATION  $ in Millions. A solid foundation of deposits.

15 RURAL MARKET GROWTH  Sources: Bank Records. Rural Markets Acquired include Lake Jackson, Nixon, Detroit, and LaVernia from Heritage Bank acquisition in 2020. CAGR (Compounded Annual Growth Rate) “The results from the Heritage merger reflect a simple strategy executed steadily: keep great local bankers in place, invest in the community, and deepen customer relationships. This approach nearly doubled deposits in our rural branches and consistently outperformed the underlying market.” Christopher Peacock, Chief Retail Officer A durable source of deposit growth.

16 LOAN COMPOSITION  A well-balanced, stable loan portfolio. $4.4 B in Loans | As of 12.31.2025 Yield 7.68% | NIM 4.06% $5.5 B in Loans | As of 09.30.2026 Yield 7.01% | NIM 3.73%

17 CREDIT TRENDS  Interim period annualized. NPA TO TOTAL ASSETS ACL TO TOTAL LOANS (1) NPL TO TOTAL LOANS NCOs to AVERAGE LOANS – QUARTERLY (1)

18 COMPREHENSIVE MONITORING Third Coast has a robust commitment to sound underwriting and comprehensive monitoring. Below is an overview of the comprehensive monitoring process.  Sets ticklers for financial reporting and covenant tracking Monitors receipt of updated financial documents Reviews and verifies borrowing base calculations and compliance Reviews and verifies compliance with loan covenants Trend cards are kept on every borrower over $10MM and include: Income statement and balance sheet metrics by quarter, YTD and TTM Margins, cash flow coverage/DSC, leverage, and other applicable ratios Covenant calculations prepared by borrower and prepared by bank, compliance with covenants Reviews and verifies borrowing base calculations and compliance Quarterly meetings are held to review all borrowers Annual reviews are conducted on all borrowers Trend cards are kept on every borrower and include: Income statement and balance spreads Liquidity, sales and closings, accounts payable Projections and comparison to actual Stress testing of closings, revenue and profit margins Global inventory and breakeven number of units Borrowing Base monitoring and compliance A&D activity, curtailments, interest reserve stressed Market information is monitored monthly Monthly meetings are held to review compliance/noncompliance with covenants Quarterly meetings are held to review all borrowers Annual reviews are conducted on all borrowers Community Banking Monitoring Corporate Banking Monitoring Builder Finance Monitoring   

19 COMPLIANCE RISK MANAGEMENT Third Coast has a robust commitment to building a best-in-class compliance program. We are looking across all business processes, functions, assets, and outsourced entities to understand the full scope of risk. And we use that comprehensive view to foster risk awareness throughout our organization and culture.  We are documenting and mapping: Impacted business elements to risks and requirements. Processes, controls, and monitoring that mitigate risk to business elements. Outsources services to risks and coverage. We are creating real-time visibility though dashboards and reporting. We are transforming to a proactive: Change management program. Gap identification and remediation process. Monitoring and metrics process. We are converting to a quantitative risk assessment. Compliance Enhancements  Risk and Requirement Inventories Laws, Rules, and Regulations Risk Taxonomy Policies Business Elements Business Processes Technology Assets Products and Services Vendors Risk Management Controls Metrics, and Monitoring Testing Risk Assessment Issue Management Change Management

20 STRATEGIC INITIATIVES Evaluate opportunities within our existing markets to leverage our established branch network and enhance operational efficiencies. Continue to recruit strategic hires and selectively expand into new markets that will broaden the customer base; thereby increasing earning assets and deposits while diversifying our portfolio and operations. Remain open to strategic acquisition opportunities on a case-by-case basis.  Enhancement of supplemental, specialty, and commercial banking solutions. Investment in high-touch, high-technology solutions to remain relevant with customers. Evaluation of future business opportunities to broaden brand. Foster a culture of innovation that prioritizes efficiency and profitability as integral aspects of strategic alignment. Enable the team to adapt to priorities in response to external factors. Emphasize core deposit growth through banker incentives and treasury management service offerings. Leverage the dynamic Texas economy to grow customer base and market share. Leverage experienced management team, board, and bankers to grow customer base and market share through relationship-based banking. Generate shareholder value. Achieve consistent financial performance that positions Bank in top quartile of its peers. Operate a balanced-risk banking model: focusing on conservative credit culture for underwriting loans, customer acquisition for market share, core deposits for funding, and efficient operations. Regularly review and proactively adjust strategic initiatives to uphold competitive advantages in the financial services industry. MARKET EXPANSION PRODUCTS & SERVICES GROWTH STRATEGIES VALUE OBJECTIVES

21 INVESTMENT HIGHLIGHTS Highly experienced management team with over 100+ years of combined financial services experience.  With locations encompassing the four largest metropolitan areas in Texas in and around Austin, Beaumont, Dallas-Fort Worth, Houston, and San Antonio, we are in one of the best economies in the country and the world. A high-touch relationship-driven approach to banking that offers a competitive, solutions-oriented value proposition and supports winning and retaining business from both middle-market and larger institutions. We offer a well-diversified suite of commercial and consumer products, with an agile response to changing market conditions and customer needs, supporting balance, recurring revenue streams. EXPERIENCED TEAM MARKETS OF OPERATION RELATIONSHIP-DRIVEN DIVERSIFIED PRODUCTS TECHNOLOGY SERVICES DISCIPLINED UNDERWRITING ENTERPRISING MODEL TRANSFORMATIVE GROWTH Combined with our high-touch relationship approach to banking, our technology-enabled, high-impact banking and treasury solutions deepen customer relationships and support growth in fee-based revenue. Responsive and disciplined underwriting, supported by comprehensive monitoring and risk management, helps maintain a high-quality, well-balanced loan portfolio through cycles. Entrepreneurial, agile business model that leverages our banking platform and scalable operating model to drive profitable organic and acquisitive growth. Targeted investment in infrastructure, technology and talent, along with strategic M&A, is designed to scale from a high-growth community bank into a top-tier commercial bank franchise.

22 TCBX BOARD OF DIRECTORS NAME AGE AS OF 9/30/2026 DIRECTOR SINCE SUMMARY BIO Bart O. Caraway 55 2013 Serves as Founder, Chairman, President and CEO of the Company. A certified CPA since 1996, and a licensed attorney since 1999. Prior experience includes executive roles at several community banks, financial and consulting practice at audit firm. Carolyn Bailey 65 2020 Partner in tax services at E&Y from 2007 until retirement in 2019. Prior experience includes consulting large multinational companies on tax and accounting matters such as Continental Airlines and GE Capital as well as Ernst & Young. Dr. Martin Basaldua 75 2013 Licensed Physician since 1981. Founder of Vytalus Medical Group, PLLC. Prior experience includes organization of several hospitals and medical centers, as well as involvement on civic and nonprofit boards. Dennis Bonnen 54 2020 2008 founder of Heritage Bancorp which merged with Third Coast. Experience includes executive roles at a beverage distributor, consulting firm, and banks such as First Community, Moody National, and Wells Fargo. Former Texas Speaker of the House. Dr. Greg Bonnen 60 2023 Founded the Texas Brain and Spine Center. Experience includes a residency in neurosurgery, president of the board for the Medical Strategic Network, co-founder of Houston Physician’s Hospital, and practices at Memorial Herman Southeast. W. Donald Brunson (Advisory) 81 2019 Retired, CPA since 1970s. Prior experience includes commercial banking and asset-based lending, public accounting, as well as co-founder and former chairman of the board of Bank of Houston. Lynn Chang Eisenhart 48 2024 Leadership team for the Bill & Melinda Gates Foundation’s Strategic Investment Fund. Experience includes global fintech investment as well as prior positions in retail banking with Washington Mutual and technology with T-Mobile. Troy A. Glander 55 2013 Partner and member of A Nava & Glander, PLLC since 2012 which practices business litigation. Experience includes board positions with the Texas Association of Defense Counsel and Texas Exes, and significant business and legal expertise. Clint Greenleaf 52 2026 Prior board member of Keystone Bancshares which merged with Third Coast. Entrepreneur and senior executive with accounting and management experience. David Phelps 70 2023 Led the business advisory practice of Briggs & Veselka from 2004 until his retirement in 2020. Prior experience includes consulting, audit, advisory services, accounting, as well as positions on boards such as Uni. of Houston Acct. Advisory Board. Tony Scavuzzo 45 2022 Managing Principal of Castle Creek asset management firm since 2009. Experience includes several board positions such as Blue Ridge Bankshares, Pathfinder Bancorp, McGregor Bancshares, Texas Community Bancshares, and Central Payments LLC. Mary Brennan Stich 69 2024 Business lawyer since 1980s. Prior experience includes positions as an executive, c-suite advisor, and deputy general counsel for public and private companies such as Rackspace Technology and iHeart Media. Board member for Goodwill Industries. Joseph L. Stunja 73 2013 Retired, former Business Development Officer of the Bank from 2010 to 2016. Prior experience includes director and treasurer of the San Jacinto River Authority, president of Friendswood Development Company, and RE/MAX Associates Northeast. Reagan Swinbank 45 2020 Partner at Sprint Transport and related Sprint Companies. Previously held position on Heritage Bancorp board. Experience includes industrial services along the Texas and Louisiana gulf coast. 

23 Non-GAAP FINANCIAL MEASURES  For the Year Ended December 31, (Dollars in thousands, except share and per share data) 2021 2022 2023 2024 2025 Tangible Common Equity Total shareholders' equity $ 299,007 $ 381,780 $ 411,974 $ 460,719 $ 531,027 Less: Preferred stock including additional paid in capital - 66,225 66,225 66,160 66,160 Total common equity 299,007 315,555 345,749 394,559 464,867 Less: Goodwill and core deposit intangibles, net 19,326 19,165 19,003 18,841 18,680 Tangible common equity $ 279,681 $ 296,390 $ 326,746 $ 375,718 $ 446,187 Tangible Book Value Common shares outstanding at end of period 13,403,324 13,531,736 13,604,665 13,769,780 13,891,055 Book Value Per Share $ 22.31 $ 23.32 $ 25.41 $ 28.65 $ 33.47 Tangible Book Value Per Share $ 20.87 $ 21.90 $ 24.02 $ 27.29 $ 32.12 Return on Average Tangible Common Equity Average shareholders' equity $ 170,630 $ 323,685 $ 397,224 $ 440,184 $ 499,315 Less: Average preferred stock including additional paid in capital - 16,900 66,225 66,198 66,160 Average common equity 170,630 306,785 330,999 373,986 433,155 Less: Average goodwill and core deposit intangibles, net 19,404 19,245 19,088 18,926 18,765 Average tangible common equity $ 151,226 $ 287,540 $ 311,911 $ 355,060 $ 414,390 Net Income $ 11,424 $ 18,659 $ 33,401 $ 47,671 $ 66,291 Less: Dividends declared on preferred stock - 1,418 4,736 4,749 4,750 Net Income Available to Common Shareholders $ 11,424 $ 17,241 $ 28,665 $ 42,922 $ 61,541 Return on Average Common Equity 6.70% 5.62% 8.66% 11.48% 14.21% Return on Average Tangible Common Equity 7.55% 6.00% 9.19% 12.09% 14.85%

24 Non-GAAP FINANCIAL MEASURES  Continued next page. As of and for the Three Months Ended 2022 2023 2024 2025 2026 (Dollars in thousands, except share and per share data) December 31 March 31 June 30 September 30 December 31 March 31 June 30 September 30 December 31 March 31 June 30 September 30 December 31 March 31 June 30 September 30 Tangible Common Equity Total shareholders' equity $ 381,780 $ 387,044 $ 395,945 $ 400,331 $ 411,974 $ 423,618 $ 434,998 $ 450,548 $ 460,719 $ 479,786 $ 496,115 $ 513,830 $ 531,027 $ 650,530 $ 670,773 $ 674,932 Less: Preferred stock including additional paid in capital 66,225 66,225 66,225 66,225 66,225 66,225 66,225 66,117 66,160 66,160 66,160 66,160 66,160 66,160 66,160 66,160 Total common equity 315,555 320,819 329,720 334,106 345,749 357,393 368,773 384,431 394,559 413,626 429,955 447,670 464,867 584,370 604,613 608,772 Less: Goodwill and core deposit intangibles, net 19,165 19,124 19,084 19,043 19,003 18,963 18,922 18,882 18,841 18,801 18,761 18,720 18,680 54,883 54,160 53,734 Tangible common equity $ 296,390 $ 301,695 $ 310,636 $ 315,063 $ 326,746 $ 338,430 $ 349,851 $ 365,549 $ 375,718 $ 394,825 $ 411,194 $ 428,950 $ 446,187 $ 529,487 $ 550,453 $ 555,038 Tangible Book Value Common shares outstanding at end of period 13,531,736 13,579,498 13,609,697 13,600,211 13,604,665 13,652,888 13,665,505 13,667,591 13,769,780 13,825,286 13,851,581 13,879,099 13,891,055 16,562,268 16,639,127 16,664,058 Book Value Per Share $ 23.32 $ 23.63 $ 24.23 $ 24.57 $ 25.41 $ 26.18 $ 26.99 $ 28.13 $ 28.65 $ 29.92 $ 31.04 $ 32.25 $ 33.47 $ 35.28 $ 36.34 $ 36.53 Tangible Book Value Per Share $ 21.90 $ 22.22 $ 22.82 $ 23.17 $ 24.02 $ 24.79 $ 25.60 $ 26.75 $ 27.29 $ 28.56 $ 29.69 $ 30.91 $ 32.12 $ 31.97 $ 33.08 $ 33.31 Tangible Common Equity to Tangible Assets Total assets $ 3,773,148 $ 3,859,657 $ 3,963,482 $ 4,215,792 $ 4,396,074 $ 4,660,403 $ 4,474,119 $ 4,627,770 $ 4,942,446 $ 4,896,989 $ 4,943,771 $ 5,061,808 $ 5,340,759 $ 6,582,073 $ 6,735,501 $ 6,805,620 Adjustments: Goodwill and core deposit intangibles, net 19,165 19,124 19,084 19,043 19,003 18,963 18,922 18,882 18,841 18,801 18,761 18,720 18,680 54,883 54,160 53,734 Tangible assets $ 3,753,983   $ 3,840,533 $ 3,944,398 $ 4,196,749 $ 4,377,071 $ 4,641,440 $ 4,455,197 $ 4,608,888 $ 4,923,605 $ 4,878,188 $ 4,925,010 $ 5,043,088 $ 5,322,079 $ 6,527,190 $ 6,681,341 $ 6,751,886 Total Common Equity to Total Assets 8.36% 8.31% 8.32% 7.93% 7.86% 7.67% 8.24% 8.31% 7.98% 8.45% 8.70% 8.84% 8.70% 8.88% 8.98% 8.95% Tangible Common Equity to Tangible Assets 7.90% 7.86% 7.88% 7.51% 7.46% 7.29% 7.85% 7.93% 7.63% 8.09% 8.35% 8.51% 8.38% 8.11% 8.24% 8.22% Tangible Common Equity assuming Preferred Stock is converted to Common Stock 362,615 367,920 376,861 381,288 392,971 404,655 416,076 431,666 441,878 460,985 477,354 495,110 512,347 595,647 616,613 621,198 Tangible Common Equity to Tangible Asssets assuming Preferred Stock is converted to Common Stock 9.66% 9.58% 9.55% 9.09% 8.98% 8.72% 9.34% 9.37% 8.97% 9.45% 9.69% 9.82% 9.63% 9.13% 9.23% 9.20% Return on Average Tangible Common Equity Average shareholders' equity $ 381,271 $ 384,794 $ 393,773 $ 402,049 $ 407,972 $ 420,646 $ 433,510 $ 446,124 $ 460,169 $ 472,041 $ 490,741 $ 508,034 $ 525,759 $ 612,170 $ 663,847 $ 681,175 Less: Average preferred stock including additional paid in capital 66,329 66,225 66,225 66,225 66,225 66,225 66,225 66,223 66,121 66,160 66,160 66,160 66,160 66,160 66,160 66,160 Average common equity 314,942 318,569 327,548 335,824 341,747 354,421 367,285 379,901 394,048 405,881 424,581 441,874 459,599 546,010 597,687 615,015 Less: Average goodwill and core deposit intangibles, net 19,184 19,149 19,108 19,068 19,027 18,987 18,946 18,906 18,865 18,826 18,784 18,746 18,705 42,115 54,580 54,007 Average tangible common equity $ 295,758 $ 299,420 $ 308,440 $ 316,756 $ 322,720 $ 335,434 $ 348,339 $ 360,995 $ 375,183 $ 387,055 $ 405,797 $ 423,128 $ 440,894 $ 503,895 $ 543,107 $ 561,008 Net Income $ 7,525 $ 9,243 $ 8,891 $ 5,578 $ 9,689 $ 10,367 $ 10,796 $ 12,775 $ 13,733 $ 13,589 $ 16,747 $ 18,057 $ 17,898 $ 16,368 $ 21,987 $ 19,004 Less: Dividends declared on preferred stock 1,418 1,171 1,184 1,184 1,197 1,171 1,184 1,198 1,196 1,171 1,185 1,197 1,197 1,171 1,184 1,197 Net Income Available to Common Shareholders $ 6,107 $ 8,072 $ 7,707 $ 4,394 $ 8,492 $ 9,196 $ 9,612 $ 11,577 $ 12,537 $ 12,418 $ 15,562 $ 16,860 $ 16,701 $ 15,197 $ 20,803 $ 17,807 Return on Average Common Equity(A) 7.69% 10.28% 9.44% 5.19% 9.86% 10.44% 10.53% 12.12% 12.66% 12.41% 14.70% 15.14% 14.42% 11.29% 13.96% 11.49% Return on Average Tangible Common Equity(A) 8.19% 10.93% 10.02% 5.50% 10.44% 11.03% 11.10% 12.76% 13.29% 13.01% 15.38% 15.81% 15.03% 12.23% 15.36% 12.59%

25 Non-GAAP FINANCIAL MEASURES  As of and for the Three Months Ended 2022 2023 2024 2025 2026 (Dollars in thousands, except share and per share data) December 31 March 31 June 30 September 30 December 31 March 31 June 30 September 30 December 31 March 31 June 30 September 30 December 31 March 31 June 30 September 30 Net Income as adjusted (non-GAAP) Net income $ 7,525 $ 9,243 $ 8,891 $ 5,578 $ 9,689 $ 10,367 $ 10,796 $ 12,775 $ 13,733 $ 13,589 $ 16,747 $ 18,057 $ 17,898 $ 16,368 $ 21,987 $ 19,004 Pre-tax adjustments: Acquisition-related accelerated amortization on loan fair value marks - - - - - - - - - - - - - 549 228 637 Gain on sale of factored receivables - - - - - - - - - - - - - - (3,463) - Acquisition-related salaries and employee benefits - - - - - - - - - - - - - 1,310 497 391 Acquisition-related other professional expense - - - - - - - - - - - - 505 1,276 130 2,179 Total pre-tax adjustments - - - - - - - - - - - - 505 3,135 (2,608) 3,207 Tax-effect of adjustments - - - - - - - - - - - - 85 576 (479) 589 Total adjustments after tax - - - - - - - - - - - - 420 2,559 (2,129) 2,618 Net income as adjusted (non-GAAP) $ 7,525 $ 9,243 $ 8,891 $ 5,578 $ 9,689 $ 10,367 $ 10,796 $ 12,775 $ 13,733 $ 13,589 $ 16,747 $ 18,057 $ 18,318 $ 18,927 $ 19,858 $ 21,622 Preferred stock dividends $ 1,418 $ 1,171 $ 1,184 $ 1,184 $ 1,197 $ 1,171 $ 1,184 $ 1,198 $ 1,196 $ 1,171 $ 1,185 $ 1,197 $ 1,197 $ 1,171 $ 1,184 $ 1,197 Net income available to common shareholders  as adjusted (non-GAAP) $ 6,107 $ 8,072 $ 7,707 $ 4,394 $ 8,492 $ 9,196 $ 9,612 $ 11,577 $ 12,537 $ 12,418 $ 15,562 $ 16,860 $ 17,121 $ 17,756 $ 18,674 $ 20,425 Diluted earnings per share $ 0.44 $ 0.55 $ 0.53 $ 0.32 $ 0.57 $ 0.61 $ 0.63 $ 0.74 $ 0.79 $ 0.78 $ 0.96 $ 1.03 $ 1.02 $ 0.88 $ 1.08 $ 0.93 Adjustments after-tax - - - - - - - - - - - - 0.02 0.14 (0.10) 0.13 Diluted earnings per common share as adjusted (non-GAAP) $ 0.44 $ 0.55 $ 0.53 $ 0.32 $ 0.57 $ 0.61 $ 0.63 $ 0.74 $ 0.79 $ 0.78 $ 0.96 $ 1.03 $ 1.04 $ 1.02 $ 0.98 $ 1.06 Return on average assets 0.84% 1.02% 0.96% 0.56% 0.90% 0.95% 0.97% 1.14% 1.13% 1.17% 1.38% 1.41% 1.36% 1.08% 1.34% 1.13% Return on average assets as adjusted (non-GAAP)(A) 0.84% 1.02% 0.96% 0.56% 0.90% 0.95% 0.97% 1.14% 1.13% 1.17% 1.38% 1.41% 1.39% 1.25% 1.21% 1.29% Return on average common equity as adjusted (non-GAAP)(A) 7.69% 10.28% 9.44% 5.19% 9.86% 10.44% 10.53% 12.12% 12.66% 12.41% 14.70% 15.14% 14.78% 13.19% 12.53% 13.18% Return on average tangible common equity as adjusted (non-GAAP)(A) 8.19% 10.93% 10.02% 5.50% 10.44% 11.03% 11.10% 12.76% 13.29% 13.01% 15.38% 15.81% 15.41% 14.29% 13.79% 14.44% (A) Interim periods annualized.

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