Third Coast Bancshares, Inc. · NYSE:TCBX
Third Coast Bancshares — Investor Presentation (October 2026)
26 slides from Third Coast Bancshares's investor presentation, Oct 21, 2026
Slide 1: Third Coast Bancshares, Inc. Investor Presentation October 2026
THIRD COAST BANCSHARES, INC. NYSE & NYSE Texas: TCBX Investor Presentation October 2026 © 2026 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: Disclaimer: Important Additional Information and Where to Find It
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 o
Slide 4: Senior Executive Management
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 w
Slide 5: Executive Management
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 Ban
Slide 6: Franchise Overview and Financial Highlights
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 pe
Slide 7: Dynamic Texas Markets
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 forec
Slide 8: Line of Business Diversity
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,
Slide 9: Balance Sheet Growth
09 BALANCE SHEET GROWTH $ in Millions TOTAL LOANS TOTAL DEPOSITS TOTAL ASSETS
Slide 10: Profitability
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
Slide 11: Profitability Trends
11 PROFITABILITY TRENDS (1) Interim period annualized. NET INTEREST MARGIN – QUARTERLY (1) NONINTEREST EXP. TO AVG. EARNING ASSETS – QTRLY (1) EFFICIENCY RATIO - QUARTERLY
Slide 12: Profitability Trends
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)
Slide 13: Capital Ratios
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
Slide 14: Deposit Base Transformation
14 DEPOSIT BASE TRANSFORMATION $ in Millions. A solid foundation of deposits.
Slide 15: Rural Market Growth
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 b
Slide 16: Loan Composition
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%
Slide 17: Credit Trends
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)
Slide 18: Comprehensive Monitoring
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
Slide 19: Compliance Risk Management
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
Slide 20: Strategic Initiatives
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 ass
Slide 21: Investment Highlights
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 bes
Slide 22: TCBX Board of Directors
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,
Slide 23: Non-GAAP Financial Measures
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 cap
Slide 24: Non-GAAP Financial Measures
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 De
Slide 25: Non-GAAP Financial Measures
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 Ju
Slide 26: Third Coast Bancshares, Inc.
THIRD COAST BANCSHARES, INC. NYSE & NYSE Texas: TCBX © 2026 Third Coast Bancshares, Inc.
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