Third Coast Bancshares, Inc. · NYSE:TCBX
Third Coast Bancshares — Q2 2026 Earnings Presentation
25 slides from Third Coast Bancshares's earnings presentation, Jul 23, 2026
Slide 1: Third Coast Bancshares, Inc. Investor Presentation
THIRD COAST BANCSHARES, INC. NYSE & NYSE Texas: TCBX Investor Presentation July 2026 © 2026 Third Coast Bancshares, Inc.
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 John McWhorter Audrey Spaulding Founder, Chairman, President & CEO Sr. EVP, Chief Financial Officer Sr. EVP, Chief Credit Officer Founded Third Coast in 2008. Serves as Serves as Senior Executive Vice President and Serves as Senior Executive Vice Presid
Slide 4: Executive Management
04 EXECUTIVE MANAGEMENT Bill Bobbora Liz Eber Christopher Peacock Laura Rau EVP, Chief Banking Officer EVP, Chief Legal Officer EVP, Chief Retail Officer EVP, Chief Risk Officer Serves as EVP Chief Banking Officer since May Serves as EVP Chief Legal Officer since March Serves as EVP Chief Retail Off
Slide 5: Franchise Overview
05 FRANCHISE OVERVIEW We are a commercially focused bank founded in 2008, with headquarters in Humble, Headquarters Texas. Third Coast currently has 21 branches located throughout Austin, Beaumont-Port Branches (20) Arthur, Dallas-Fort Worth, Greater Houston, and San Antonio markets. FINANCIAL H
Slide 6: Dynamic Texas Markets
06 DYNAMIC TEXAS MARKETS Austin Beaumont-Port Arthur Dallas-Fort Worth Greater Houston San Antonio Austin MSA is projected to be The Golden Triangle, a core Dallas MSA is the largest in Houston MSA is projected to The population in the San the fastest growing large MSA in market for Third Coast. Inv
Slide 7: Line of Business Diversity
07 LINE OF BUSINESS DIVERSITY COMMERCIAL BANKING SBA TREASURY BUILDER FINANCE MANAGEMENT Commercial lines of business Member of the SBA Preferred Expert bankers in the residential include Community Banking, the Lenders Program, enabling real estate market, began in Our comprehensive Treasury foundat
Slide 8: Balance Sheet Growth
08 BALANCE SHEET GROWTH TOTAL LOANS TOTAL ASSETS $6,736 $5,436 $5,341 $4,942 $4,395 $4,396 $3,639 $3,966 $3,773 $3,108 $2,499 $2,069 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Jun-26 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Jun-26 TOTAL DEPOSITS $5,855 $4,310 $4,627 $3,803 $3,236 $2,141 Dec-21 Dec-22 Dec-23 Dec-2
Slide 9: Profitability
09 PROFITABILITY NET INCOME - QUARTERLY DILUTED E.P.S. - QUARTERLY $1.08 $21,987 $1.03 $1.02 $0.96 $18,057 $17,898 $0.88 $16,747 $16,368 $0.78 $13,589 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 $ in Thousands TANGIBLE BOOK VALUE PER COMMON SHARE (1) $32.12 $3
Slide 10: Profitability Trends
10 PROFITABILITY TRENDS NET INTEREST MARGIN – QUARTERLY (1) EFFICIENCY RATIO - QUARTERLY 4.22% 66.06% 4.10% 4.10% 3.83% 61.23% 3.80% 3.67% 57.90% 56.51% 55.45% 53.03% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 NONINTEREST EXP. TO AVG. EARNING ASSETS – QTRLY (
Slide 11: Profitability Trends
11 PROFITABILITY TRENDS PRE-TAX, PRE-PROVISION ROAA – QUARTERLY (1) RETURN ON AVERAGE ASSETS – QUARTERLY (1) 1.41% 1.38% 1.36% 1.34% 1.99% 1.91% 1.81% 1.80% 1.17% 1.08% 1.53% 1.29% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 RETURN ON AVERAGE COMMON EQUITY – Q
Slide 12: Capital Ratios
12 CAPITAL RATIOS TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS (1) (2) TOTAL COMMON EQUITY TO TOTAL ASSETS 9.69% 9.82% 9.63% 9.45% 9.13% 9.23% 8.84% 8.88% 8.98% 8.51% 8.70% 8.70% 8.35% 8.38% 8.45% 8.09% 8.11% 8.24% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 TOTA
Slide 13: Deposit Base Transformation
13 DEPOSIT BASE TRANSFORMATION A solid foundation of deposits. $866 $27 $748 $579 $21 $28 $476 $25 $216 $36 $4,319 $3,101 $3,363 $278 $2,843 $33 $2,498 $1,299 $531 $486 $459 $602 $495 $643 Dec-21 (Cost of Dec-22 (Cost of Dec-23 (Cost of Dec-24 (Cost of Dec-25 (Cost of Jun-26 (Cost of Deposits 0.47%)
Slide 14: Rural Market Growth
14 RURAL MARKET GROWTH A durable source of deposit growth. 90.00% 11.32% “The results from the Heritage merger reflect a simple strategy executed steadily: keep great local bankers in place, invest in the community, and 5.68% deepen customer relationships. This approach 39.30% nearly doubled deposit
Slide 15: Loan Composition
15 LOAN COMPOSITION A well-balanced, stable loan portfolio. $4.4 B in Loans | As of 12.31.2025 $5.4 B in Loans | As of 06.30.2026 Yield 7.68% | NIM 4.06% Yield 7.03% | NIM 3.75% 4% 43% 2% 44% Commercial & Industrial Own. Occ. CRE 16% 19% Non-Own. Occ. CRE Residential RE C&D Other 10% 8% 10% 11% 16%
Slide 16: Credit Trends
16 CREDIT TRENDS NPA TO TOTAL ASSETS NPL TO TOTAL LOANS 0.85% 0.60% 0.67% 0.68% 0.56% 0.58% 0.56% 0.52% 0.55% 0.47% 0.49% 0.49% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 ACL TO TOTAL LOANS (1) NCOs to AVERAGE LOANS – QUARTERLY (1) 1.01% 0.98% 1.02% 1.00% 0.9
Slide 17: Comprehensive Monitoring
17 COMPREHENSIVE MONITORING Third Coast has a robust commitment to sound underwriting and comprehensive monitoring. Below is an overview of the comprehensive monitoring process. Community Banking Monitoring Corporate Banking Monitoring Builder Finance Monitoring • Sets ticklers for financial reporti
Slide 18: Compliance Risk Management
18 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 19: Strategic Initiatives
19 STRATEGIC INITIATIVES MARKET EXPANSION PRODUCTS & SERVICES GROWTH STRATEGIES VALUE OBJECTIVES • Evaluate opportunities within our • Enhancement of supplemental, • Emphasize core deposit growth • Generate shareholder value. existing metropolitan markets– specialty, and commercial through banker in
Slide 20: Investment Highlights
20 INVESTMENT HIGHLIGHTS EXPERIENCED TEAM MARKETS OF OPERATION RELATIONSHIP-DRIVEN DIVERSIFIED PRODUCTS Highly experienced management With locations encompassing the four A high-touch relationship-driven We offer a well-diversified suite of team with over 100+ years of largest metropolitan areas in
Slide 21: TCBX Board of Directors
21 TCBX BOARD OF DIRECTORS AGE AS OF NAME DIRECTOR SINCE SUMMARY BIO 6/30/2026 Serves as Founder, Chairman, President and CEO of the Company. A certified CPA since 1996, and a licensed attorney since 1999. Prior experience Bart O. Caraway 55 2013 includes executive roles at several community banks,
Slide 22: Non-GAAP Financial Measures
22 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 capit
Slide 23: Non-GAAP Financial Measures
23 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
Slide 24: Non-GAAP Financial Measures
24 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
Slide 25: Third Coast Bancshares, Inc.
THIRD COAST BANCSHARES, INC. NYSE & NYSE Texas: TCBX © 2026 Third Coast Bancshares, Inc.
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