Third Coast Bancshares, Inc. · NYSE:TCBX
Third Coast Bancshares — Investor Presentation (October 2025)
23 slides from Third Coast Bancshares's investor presentation, Oct 23, 2025
Slide 1: Third Coast Bancshares Investor Presentation October 2025
THIRD COAST BANCSHARES, INC. NYSE & NYSE Texas: TCBX Investor Presentation October 2025 © 2025 Third Coast Bancshares, Inc. Exhibit 99.2
Slide 2: Disclaimer: Forward-Looking Statements
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 A
Slide 3: Senior Executive Management
03 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 w
Slide 4: Executive Management
04 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 Ban
Slide 5: Franchise Overview and Financial Highlights
05 FRANCHISE OVERVIEW Third Coast HQ Branch (1) Third Coast Branches (18) FINANCIAL HIGHLIGHTS Note: Greater Houston market refers to the Houston-The Woodlands-Sugar Land MSA, the Beaumont-Port Arthur MSA and surrounding counties; Dallas-Fort Worth market refers to the Dallas-Fort Worth-Arlingto
Slide 6: Dynamic Texas Markets
06 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 forec
Slide 7: Line of Business Diversity
07 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,
Slide 8: Balance Sheet Growth
08 BALANCE SHEET GROWTH $ in Millions TOTAL LOANS TOTAL DEPOSITS TOTAL ASSETS
Slide 9: Profitability
09 PROFITABILITY (1) Refer to the calculation of non-GAAP financial measures on page 21 & 22. NET INCOME - QUARTERLY TANGIBLE BOOK VALUE (1) DILUTED E.P.S. - QUARTERLY $ in Thousands
Slide 10: Profitability Trends
10 PROFITABILITY TRENDS (1) Interim period annualized. NET INTEREST MARGIN – QUARTERLY (1) NONINTEREST EXP. TO AVG. EARNING ASSETS – QTRLY (1) EFFICIENCY RATIO - QUARTERLY
Slide 11: Profitability Trends
11 PROFITABILITY TRENDS Interim period annualized. Refer to the calculation of non-GAAP financial measures on page 22. PRE-TAX, PRE-PROVISION ROAA – QUARTERLY (1) RETURN ON AVERAGE COMMON EQUITY – QUARTERLY (1) (2) RETURN ON AVERAGE ASSETS – QUARTERLY (1)
Slide 12: Capital Ratios
12 CAPITAL RATIOS Top graph assumes Preferred Stock is converted to Common Stock. Refer to the calculation of non-GAAP financial measures on page 22. TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS (1) (2) TOTAL RISK BASED CAPITAL RATIO - BANK TOTAL COMMON EQUITY TO TOTAL ASSETS (2)
Slide 13: Deposit Base Transformation
13 DEPOSIT BASE TRANSFORMATION $ in Millions. A solid foundation of deposits.
Slide 14: Loan Composition
14 LOAN COMPOSITION A well-balanced, stable loan portfolio. $4.0 B in Loans | As of 12.31.2024 Yield 7.80% | NIM 3.67% $4.2 B in Loans | As of 09.30.2025 Yield 7.73% | NIM 4.05%
Slide 15: Credit Trends
15 CREDIT TRENDS Interim period annualized. NPA TO TOTAL ASSETS ACL TO TOTAL LOANS (1) NPL TO TOTAL LOANS NCOs to AVERAGE LOANS – QUARTERLY (1)
Slide 16: Comprehensive Monitoring
16 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 receipts of updated financial documents Reviews and
Slide 17: Compliance Risk Management
17 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
Slide 18: Strategic Initiatives
18 STRATEGIC INITIATIVES Evaluate opportunities within our existing metropolitan markets, Greater Houston, Dallas-Fort Worth, Austin, and San Antonio MSAs, to leverage our established branch network and enhance operational efficiencies. Continue to recruit strategic hires and potentially expand into
Slide 19: Investment Highlights
19 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
Slide 20: Board of Directors
20 BOARD OF DIRECTORS NAME AGE AS OF 9/30/2025 TCBX DIRECTOR SINCE SUMMARY BIO Bart O. Caraway 54 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
Slide 21: Non-GAAP Financial Measures
21 Non-GAAP FINANCIAL MEASURES For the Year Ended December 31, (Dollars in thousands, except share and per share data) 2021 2022 2023 2024 Tangible Common Equity Total shareholders' equity $ 299,007 $ 381,780 $ 411,974 $ 460,719 Less: Preferred stock including additional paid in capital - 66,225 6
Slide 22: Non-GAAP Financial Measures
22 Non-GAAP FINANCIAL MEASURES As of and for the Three Months Ended 2022 2023 2024 2025 (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 Tangible Common Equity Total
Slide 23: Thank you.
THIRD COAST BANCSHARES, INC. NYSE & NYSE Texas: TCBX Thank you. © 2025 Third Coast Bancshares, Inc.
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