| Schedule of Comparison of the Actual Capital Amounts and Ratios |
A comparison of actual capital amounts and ratios to required capital amounts and ratios for the Company and Bank are presented in the following table. Capital levels required to be well capitalized are based upon prompt corrective action regulations.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Actual |
|
|
For Capital Adequacy
Purposes |
|
|
To Be Well Capitalized
Under Prompt Corrective
Action Provisions |
|
(Dollars in thousands) |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
THIRD COAST BANCSHARES, INC. (Consolidated) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
As of June 30, 2026 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital (to risk weighted assets) |
|
$ |
742,032 |
|
|
|
12.01 |
% |
|
≥ |
$ |
648,544 |
|
|
≥ |
|
10.50 |
% |
|
|
N/A |
|
|
|
N/A |
|
Tier 1 capital (to risk weighted assets) |
|
$ |
610,697 |
|
|
|
9.89 |
% |
|
≥ |
$ |
525,011 |
|
|
≥ |
|
8.50 |
% |
|
|
N/A |
|
|
|
N/A |
|
Tier 1 capital (to average assets) |
|
$ |
610,697 |
|
|
|
9.35 |
% |
|
≥ |
$ |
261,335 |
|
|
≥ |
|
4.00 |
% |
|
|
N/A |
|
|
|
N/A |
|
Common equity tier 1 (to risk weighted assets) |
|
$ |
544,537 |
|
|
|
8.82 |
% |
|
≥ |
$ |
432,362 |
|
|
≥ |
|
7.00 |
% |
|
|
N/A |
|
|
|
N/A |
|
As of December 31, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital (to risk weighted assets) |
|
$ |
628,120 |
|
|
|
12.48 |
% |
|
≥ |
$ |
528,317 |
|
|
≥ |
|
10.50 |
% |
|
|
N/A |
|
|
|
N/A |
|
Tier 1 capital (to risk weighted assets) |
|
$ |
501,426 |
|
|
|
9.97 |
% |
|
≥ |
$ |
427,686 |
|
|
≥ |
|
8.50 |
% |
|
|
N/A |
|
|
|
N/A |
|
Tier 1 capital (to average assets) |
|
$ |
501,426 |
|
|
|
9.65 |
% |
|
≥ |
$ |
207,886 |
|
|
≥ |
|
4.00 |
% |
|
|
N/A |
|
|
|
N/A |
|
Common equity tier 1 (to risk weighted assets) |
|
$ |
435,266 |
|
|
|
8.65 |
% |
|
≥ |
$ |
352,212 |
|
|
≥ |
|
7.00 |
% |
|
|
N/A |
|
|
|
N/A |
|
THIRD COAST BANK |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
As of June 30, 2026 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital (to risk weighted assets) |
|
$ |
796,834 |
|
|
|
12.91 |
% |
|
≥ |
$ |
647,846 |
|
|
≥ |
|
10.50 |
% |
|
≥ |
$ |
616,996 |
|
|
≥ |
|
10.00 |
% |
Tier 1 capital (to risk weighted assets) |
|
$ |
746,567 |
|
|
|
12.10 |
% |
|
≥ |
$ |
524,447 |
|
|
≥ |
|
8.50 |
% |
|
≥ |
$ |
493,597 |
|
|
≥ |
|
8.00 |
% |
Tier 1 capital (to average assets) |
|
$ |
746,567 |
|
|
|
11.44 |
% |
|
≥ |
$ |
261,101 |
|
|
≥ |
|
4.00 |
% |
|
≥ |
$ |
326,376 |
|
|
≥ |
|
5.00 |
% |
Common equity tier 1 (to risk weighted assets) |
|
$ |
746,567 |
|
|
|
12.10 |
% |
|
≥ |
$ |
431,897 |
|
|
≥ |
|
7.00 |
% |
|
≥ |
$ |
401,047 |
|
|
≥ |
|
6.50 |
% |
As of December 31, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital (to risk weighted assets) |
|
$ |
660,607 |
|
|
|
13.14 |
% |
|
≥ |
$ |
527,767 |
|
|
≥ |
|
10.50 |
% |
|
≥ |
$ |
502,636 |
|
|
≥ |
|
10.00 |
% |
Tier 1 capital (to risk weighted assets) |
|
$ |
614,878 |
|
|
|
12.23 |
% |
|
≥ |
$ |
427,240 |
|
|
≥ |
|
8.50 |
% |
|
≥ |
$ |
402,108 |
|
|
≥ |
|
8.00 |
% |
Tier 1 capital (to average assets) |
|
$ |
614,878 |
|
|
|
11.84 |
% |
|
≥ |
$ |
207,672 |
|
|
≥ |
|
4.00 |
% |
|
≥ |
$ |
259,591 |
|
|
≥ |
|
5.00 |
% |
Common equity tier 1 (to risk weighted assets) |
|
$ |
614,878 |
|
|
|
12.23 |
% |
|
≥ |
$ |
351,845 |
|
|
≥ |
|
7.00 |
% |
|
≥ |
$ |
326,713 |
|
|
≥ |
|
6.50 |
% |
|