| 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.
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Actual |
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For Capital Adequacy
Purposes |
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To Be Well Capitalized
Under Prompt Corrective
Action Provisions |
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(Dollars in thousands) |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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THIRD COAST BANCSHARES, INC. (Consolidated) |
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As of September 30, 2026 |
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Total capital (to risk weighted assets) |
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$ |
763,203 |
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12.45 |
% |
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≥ |
$ |
643,628 |
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≥ |
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10.50 |
% |
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N/A |
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N/A |
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Tier 1 capital (to risk weighted assets) |
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$ |
630,109 |
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10.28 |
% |
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≥ |
$ |
521,032 |
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≥ |
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8.50 |
% |
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N/A |
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N/A |
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Tier 1 capital (to average assets) |
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$ |
630,109 |
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9.55 |
% |
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≥ |
$ |
263,971 |
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≥ |
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4.00 |
% |
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N/A |
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N/A |
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Common equity tier 1 (to risk weighted assets) |
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$ |
563,949 |
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9.20 |
% |
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≥ |
$ |
429,086 |
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≥ |
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7.00 |
% |
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N/A |
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N/A |
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As of December 31, 2025 |
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Total capital (to risk weighted assets) |
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$ |
628,120 |
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12.48 |
% |
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≥ |
$ |
528,317 |
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≥ |
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10.50 |
% |
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N/A |
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N/A |
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Tier 1 capital (to risk weighted assets) |
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$ |
501,426 |
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9.97 |
% |
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≥ |
$ |
427,686 |
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≥ |
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8.50 |
% |
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N/A |
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N/A |
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Tier 1 capital (to average assets) |
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$ |
501,426 |
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9.65 |
% |
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≥ |
$ |
207,886 |
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≥ |
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4.00 |
% |
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N/A |
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N/A |
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Common equity tier 1 (to risk weighted assets) |
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$ |
435,266 |
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8.65 |
% |
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≥ |
$ |
352,212 |
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≥ |
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7.00 |
% |
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N/A |
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N/A |
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THIRD COAST BANK |
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As of September 30, 2026 |
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Total capital (to risk weighted assets) |
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$ |
820,841 |
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13.41 |
% |
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≥ |
$ |
642,860 |
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≥ |
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10.50 |
% |
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≥ |
$ |
612,248 |
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≥ |
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10.00 |
% |
Tier 1 capital (to risk weighted assets) |
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$ |
768,866 |
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12.56 |
% |
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≥ |
$ |
520,411 |
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≥ |
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8.50 |
% |
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≥ |
$ |
489,798 |
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≥ |
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8.00 |
% |
Tier 1 capital (to average assets) |
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$ |
768,866 |
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11.66 |
% |
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≥ |
$ |
263,706 |
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≥ |
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4.00 |
% |
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≥ |
$ |
329,632 |
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≥ |
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5.00 |
% |
Common equity tier 1 (to risk weighted assets) |
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$ |
768,866 |
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12.56 |
% |
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≥ |
$ |
428,573 |
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≥ |
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7.00 |
% |
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≥ |
$ |
397,961 |
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≥ |
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6.50 |
% |
As of December 31, 2025 |
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Total capital (to risk weighted assets) |
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$ |
660,607 |
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13.14 |
% |
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≥ |
$ |
527,767 |
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≥ |
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10.50 |
% |
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≥ |
$ |
502,636 |
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≥ |
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10.00 |
% |
Tier 1 capital (to risk weighted assets) |
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$ |
614,878 |
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12.23 |
% |
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≥ |
$ |
427,240 |
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≥ |
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8.50 |
% |
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≥ |
$ |
402,108 |
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≥ |
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8.00 |
% |
Tier 1 capital (to average assets) |
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$ |
614,878 |
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11.84 |
% |
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≥ |
$ |
207,672 |
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≥ |
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4.00 |
% |
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≥ |
$ |
259,591 |
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≥ |
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5.00 |
% |
Common equity tier 1 (to risk weighted assets) |
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$ |
614,878 |
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12.23 |
% |
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≥ |
$ |
351,845 |
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≥ |
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7.00 |
% |
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≥ |
$ |
326,713 |
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≥ |
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6.50 |
% |
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