TCBX / Third Coast Bancshares, Inc. - SEC申報文件，年度報告，委任書

AMENDED AND RESTATED THIRD COAST BANCSHARES, INC. 2019 OMNIBUS INCENTIVE PLAN (adopted by the Company’s Board of Directors on April 16, 2026) (approved by the Company’s shareholders on May 21, 2026)

Exhibit 10.1 AMENDED AND RESTATED THIRD COAST BANCSHARES, INC. 2019 OMNIBUS INCENTIVE PLAN (adopted by the Company’s Board of Directors on April 16, 2026) (approved by the Company’s shareholders on May 21, 2026) 1. Purpose. The purpose of the Amended and Restated Third Coast Bancshares, Inc. 2019 Omnibus Incentive Plan (the “Plan”) is to provide an additional incentive to selected officers, Employ

FORM 8-K Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Item 5.07 Submission of Matters to a Vote of Security Holders. Item 9.01 Financial S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2026 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

RECITALS: AGREEMENTS:

Exhibit 10.1 AMERICAN NATIONAL BANK & TRUST RENEWAL, EXTENSION AND MODIFICATION OF LOAN THIS RENEWAL, EXTENSION AND MODIFICATION OF LOAN (this “Renewal”) is made by and between THIRD COAST BANCSHARES, INC. (the “Borrower”) and AMERICAN NATIONAL BANK & TRUST (“Lender”), to be effective as of the 10th day of March, 2026. RECITALS: WHEREAS, in accordance with that certain Loan Agreement (as previousl

FORM 8-K Item 1.01 Entry into a Material Definitive Agreement. Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 10, 2026 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 1

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 ha

THIRD COAST BANCSHARES, INC. NYSE & NYSE Texas: TCBX Investor Presentation April 2026 © 2026 Third Coast Bancshares, Inc. Exhibit 99.2 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

FORM 8-K Item 2.02 Results of Operations and Financial Condition. Item 7.01 Regulation FD Disclosure. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2026 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

Third Coast Bancshares, Inc. Reports 2026 First Quarter Financial Results Completed Successful Merger with Keystone Bancshares, Inc.

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE Third Coast Bancshares, Inc. Reports 2026 First Quarter Financial Results Completed Successful Merger with Keystone Bancshares, Inc. HOUSTON – April 22, 2026 – Third Coast Bancshares, Inc. (NYSE & NYSE Texas: TCBX) (the “Company,” “Third Co

KEYSTONE BANCSHARES, INC. AND SUBSIDIARY Consolidated Financial Statements For the Years Ended December 31, 2025 and 2024

EX-99.1 Exhibit 99.1 KEYSTONE BANCSHARES, INC. AND SUBSIDIARY Consolidated Financial Statements For the Years Ended December 31, 2025 and 2024 Austin Office 3600 N. Capital of Texas Hwy. Bldg B. Suite 250 Austin, Texas 78746 737.931.8200 Main whitleypenn.com REPORT OF INDEPENDENT AUDITORS To the Board of Directors and Stockholders of Keystone Bancshares, Inc. and Subsidiary Opinion We have audited

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 1, 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 1, 2026 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Inc

UNAUDITED PRO FORMA CONDENSED CONSOLIDATED COMBINED FINANCIAL INFORMATION

EX-99.2 Exhibit 99.2 UNAUDITED PRO FORMA CONDENSED CONSOLIDATED COMBINED FINANCIAL INFORMATION The following unaudited pro forma condensed consolidated combined financial information of Third Coast Bancshares, Inc. (“Third Coast”) as of and for the year ended December 31, 2025, is presented to show the impact on Third Coast’s historical financial position and results of operations of: • the merger

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14

FORM 8-K Item 8.01 Other Events. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 19, 2026 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, March 19, 2026 – Third Coast Bancshares, Inc. (NYSE & NYSE Texas: TCBX), the holding company of Third Co

description of REGISTRANT’S SECURITIES

Exhibit 4.2 description of REGISTRANT’S SECURITIES As of December 31, 2025, Third Coast Bancshares, Inc. (the “Company,” “we,” “our,” “us”) had one class of securities registered under Section 12 of the Securities Exchange Act of 1934 (the “Exchange Act”), the Company’s common stock. DESCRIPTION OF COMMON STOCK General We are incorporated under the laws of the state of Texas. The rights of our sha

Part II APPENDIX A

Exhibit 19.1 Insider Trading Policy Table of Contents 1. Purpose 2 2. Overview 2 3. Requirements 3 Part I 3 1.1 Applicability 3 1.2 General Policy: No Trading or Causing Trading While in Possession of Material Non-Public Information 4 1.3 Definitions 4 1.4 Exceptions 6 1.5 Violations of Insider Trading Laws 7 1.6 Inquiries 8 Part II 8 2.1 Blackout Periods 8 2.2 Transactions Not Involving a Purchas

State of Incorporation

Exhibit 21.1 Third Coast Bancshares, Inc. Subsidiaries Entity Name State of Incorporation Third Coast Bank Texas, U.S.A. Third Coast Commercial Capital, Inc. Texas, U.S.A.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-41028 THIRD COAST BAN

1. Purpose 2. Administration 3. Definitions 4. Repayment of Erroneously Awarded Compensation 5. Reporting and Disclosure 6. Indemnification Prohibition 7. Interpretation 8. Effective Date 9. Amendment; Termination 10. Other Recoupment Rights; No Addi

Exhibit 97.1 Compensation Recovery Policy 1 Table of Contents 1. Purpose 2 2. Administration 2 3. Definitions 2 4. Repayment of Erroneously Awarded Compensation 5 5. Reporting and Disclosure 6 6. Indemnification Prohibition 7 7. Interpretation 7 8. Effective Date 7 9. Amendment; Termination 7 10. Other Recoupment Rights; No Additional Payments 7 11. Successors 8 1. Purpose The purpose of this Poli

As filed with the Securities and Exchange Commission on February 20, 2026

S-8 As filed with the Securities and Exchange Commission on February 20, 2026 Registration No.

KEYSTONE BANCSHARES, INC. 2021 EQUITY INCENTIVE PLAN

EX-4.10 Exhibit 4.10 KEYSTONE BANCSHARES, INC. 2021 EQUITY INCENTIVE PLAN Keystone Bancshares, Inc. originally adopted the 2018 Equity Incentive Plan (the “Original Plan”) effective September 19, 2018 and hereby amends, restates and renames the Original Plan in the form of this 2021 Equity Incentive Plan (the “Plan”). 1. Purposes of the Plan. The purposes of this Plan are to attract and retain the

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 Third Coast Bancshares, Inc. Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common Stock, par value $1.00 per share Other 177,404 $ 26.9148 $ 4,774,793.18 0.0001381 $ 659.40 Total

Third Coast Bancshares, Inc. Completes Merger with Keystone Bancshares, Inc.

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Completes Merger with Keystone Bancshares, Inc. HOUSTON & AUSTIN, TX – February 2, 2026 – Third Coast Bancshares, Inc. (“Third Coast”) (NYSE & NYSE Texas: TCBX), the parent company of Third Coast Bank, today announced the su

EMPLOYMENT AGREEMENT

Exhibit 10.1 EMPLOYMENT AGREEMENT This EMPLOYMENT AGREEMENT (this “Agreement”) is entered into as of October 22, 2025 (the “Effective Date”) by and between Jeff Wilkinson (“Executive”), Third Coast Bank, a Texas banking association (the “Bank”), Keystone Bank, SSB, a Texas state savings bank with its principal office in Bee Cave, Texas (“Keystone Bank”), and solely for the purpose of evidencing it

FORM 8-K Item 2.01 Completion of Acquisition or Disposition of Assets. Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Item 7.01 Regulation F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 1, 2026 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

FORM 8-K Item 5.07 Submission of Matters to a Vote of Security Holders.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 23, 2026 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

FORM 8-K Item 5.07 Submission of Matters to a Vote of Security Holders.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 23, 2026 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

FORM 8-K Item 2.02 Results of Operations and Financial Condition. Item 7.01 Regulation FD Disclosure. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 21, 2026 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

Third Coast Bancshares, Inc. Reports 2025 Fourth Quarter and Full Year Financial Results Record Annual Net Income of $66.3 million Record Annual Diluted Earnings Per Share of $3.79 Year Over Year Book Value grew 16.8% and Tangible Book Value(1) grew

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE Third Coast Bancshares, Inc. Reports 2025 Fourth Quarter and Full Year Financial Results Record Annual Net Income of $66.3 million Record Annual Diluted Earnings Per Share of $3.79 Year Over Year Book Value grew 16.8% and Tangible Book Valu

THIRD COASTBANCSHARES, INC. NYSE & NYSE Texas: TCBX Investor Presentation January 2026 © 2026 Third Coast Bancshares, Inc.

THIRD COAST BANCSHARES, INC. NYSE & NYSE Texas: TCBX Investor Presentation January 2026 © 2026 Third Coast Bancshares, Inc. 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

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 16, 2026 THIRD COAST BANC

425 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 16, 2026 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Texas 001-41028 46-2135597 (State or other jurisdiction of incorporation) (Com

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 16, 2026 THIRD COAST BANC

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 16, 2026 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Texas 001-41028 46-2135597 (State or other jurisdiction of incorporation) (Commiss

PROPOSED MERGER—YOUR VOTE IS VERY IMPORTANT

424B3 Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-291826 JOINT PROXY STATEMENT/PROSPECTUS Proxy Statement and Prospectus of Third Coast Bancshares, Inc. Proxy Statement of Keystone Bancshares, Inc. PROPOSED MERGER—YOUR VOTE IS VERY IMPORTANT To the Shareholders of Third Coast Bancshares, Inc. and Keystone Bancshares, Inc.: On October 22, 2025, Third Coast Bancshares, In

FORM 8-K Item 8.01 Other Events. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 18, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commis

CONSENT OF STEPHENS INC.

EX-99.4 Exhibit 99.4 CONSENT OF STEPHENS INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of Keystone Bancshares, Inc. (the “Company”) as an Annex to the Proxy Statement/Prospectus relating to the proposed merger of the Company with and into Third Coast Bancshares, Inc. contained in Amendment No. 1 to the Registration Statement on Form S-4, as filed with the

As filed with the Securities and Exchange Commission on December 18, 2025

S-4/A Table of Contents As filed with the Securities and Exchange Commission on December 18, 2025 Registration No.

KEYSTONE BANCSHARES, INC. P.O. BOX 8016, CARY, NC 27512-9903 Your vote matters! Have your ballot ready and please use one of the methods below for easy voting: Your control number Have the 12 digit control number located in the box above available wh

EX-99.2 Exhibit 99.2 KEYSTONE BANCSHARES, INC. P.O. BOX 8016, CARY, NC 27512-9903 Your vote matters! Have your ballot ready and please use one of the methods below for easy voting: Your control number Have the 12 digit control number located in the box above available when you access the website and follow the instructions. Keystone Bancshares, Inc. Special Meeting of Shareholders For Shareholders

Consent of Raymond James & Associates, Inc.

EX-99.3 Exhibit 99.3 Consent of Raymond James & Associates, Inc. Raymond James & Associates, Inc. (“Raymond James”) consents to (i) the inclusion of our opinion letter dated October 22, 2025 to the Board of Directors of Third Coast Bancshares, Inc. (the “Company”) as Annex E to the joint proxy statement/prospectus which forms a part of Amendment No. 1 to the Registration Statement on Form S-4 of t

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 TCBX@dennardlascar.

THIRD COAST BANCSHARES, INC. C/O TABULATOR, P.O. BOX 8016, CARY, NC 27512-9903 Your vote matters! Have your ballot ready and please use one of the methods below for easy voting: Your control number Have the 12 digit control number located in the box

EX-99.1 Exhibit 99.1 THIRD COAST BANCSHARES, INC. C/O TABULATOR, P.O. BOX 8016, CARY, NC 27512-9903 Your vote matters! Have your ballot ready and please use one of the methods below for easy voting: Your control number Have the 12 digit control number located in the box above available when you access the website and follow the instructions. Third Coast Bancshares, Inc. Special Meeting of Sharehol

FORM 8-K Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 1, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

{Signature Page Follows}

Exhibit 10.1 Execution Version SEPARATION AGREEMENT AND RELEASE This Separation Agreement and Release (this “Agreement”) is made and entered into this 1st day of December, 2025 (the “Effective Date”), by and between Vicki Alexander (“Executive”), and Third Coast Bank, a Texas banking association (the “Bank”, and together with Third Coast Bancshares, Inc. (“Parent”), and each of their respective su

As filed with the Securities and Exchange Commission on November 26, 2025

S-4 Table of Contents As filed with the Securities and Exchange Commission on November 26, 2025 Registration No.

Consent of Raymond James & Associates, Inc.

EX-99.3 Exhibit 99.3 Consent of Raymond James & Associates, Inc. Raymond James & Associates, Inc. (“Raymond James”) consents to (i) the inclusion of our opinion letter dated October 22, 2025 to the Board of Directors of Third Coast Bancshares, Inc. (the “Company”) as Annex E to the joint proxy statement/prospectus which forms a part of the Registration Statement on Form S-4 of the Company (the “Re

Consent of Person Named as About to Become Director

EX-99.5 Exhibit 99.5 Consent of Person Named as About to Become Director Pursuant to Rule 438 promulgated under the Securities Act of 1933, as amended (the “Securities Act”), I hereby consent to my being named in the Registration Statement on Form S-4 of Third Coast Bancshares, Inc., and all amendments thereto (the “Registration Statement”), each prospectus filed pursuant to Rule 424 promulgated u

Security Type

Calculation of Filing Fee Tables S-4 Third Coast Bancshares, Inc. Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forwar

Consent of Person Named as About to Become Director

EX-99.6 Exhibit 99.6 Consent of Person Named as About to Become Director Pursuant to Rule 438 promulgated under the Securities Act of 1933, as amended (the “Securities Act”), I hereby consent to my being named in the Registration Statement on Form S-4 of Third Coast Bancshares, Inc., and all amendments thereto (the “Registration Statement”), each prospectus filed pursuant to Rule 424 promulgated u

CONSENT OF STEPHENS INC.

EX-99.4 Exhibit 99.4 CONSENT OF STEPHENS INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of Keystone Bancshares, Inc. (the “Company”) as an Annex to the Proxy Statement/Prospectus relating to the proposed merger of the Company with and into Third Coast Bancshares, Inc. contained in the Registration Statement on Form S-4, as filed with the Securities and Exch

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

VOTING AGREEMENT

Exhibit 10.1 VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) dated as of October 22, 2025 is executed by and among Third Coast Bancshares, Inc. (“TCBX”), a Texas corporation and registered bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHCA”), Keystone Bancshares, Inc. (“Keystone”), a Texas corporation and registered bank holding company under the BHCA,

AGREEMENT AND PLAN OF REORGANIZATION BY AND AMONG third coast BANCSHARES, INC., ARCH MERGER SUB, INC. keystone bancshares, Inc. Dated as of October 22, 2025

Exhibit 2.1 EXECUTION VERSION AGREEMENT AND PLAN OF REORGANIZATION BY AND AMONG third coast BANCSHARES, INC., ARCH MERGER SUB, INC. AND keystone bancshares, Inc. Dated as of October 22, 2025 Table of Contents ARTICLE I THE MERGER 2 Section 1.01 Merger of Merger Sub with and into Keystone 2 Section 1.02 Effects of the Merger 2 Section 1.03 Certificate of Formation and Bylaws 2 Section 1.04 Director

DIRECTOR SUPPORT AGREEMENT

Exhibit 10.2 DIRECTOR SUPPORT AGREEMENT This DIRECTOR SUPPORT AGREEMENT (the “Agreement”) is made and entered into as of October 22, 2025, by and between Third Coast Bancshares, Inc. (“TCBX”), a Texas corporation and registered bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHCA”), and [], an individual resident of the State of [] (“Director”). Terms with their i

VOTING AGREEMENT

Exhibit 10.1 VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) dated as of October 22, 2025 is executed by and among Third Coast Bancshares, Inc. (“TCBX”), a Texas corporation and registered bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHCA”), Keystone Bancshares, Inc. (“Keystone”), a Texas corporation and registered bank holding company under the BHCA,

AGREEMENT AND PLAN OF REORGANIZATION BY AND AMONG third coast BANCSHARES, INC., ARCH MERGER SUB, INC. keystone bancshares, Inc. Dated as of October 22, 2025

Exhibit 2.1 EXECUTION VERSION AGREEMENT AND PLAN OF REORGANIZATION BY AND AMONG third coast BANCSHARES, INC., ARCH MERGER SUB, INC. AND keystone bancshares, Inc. Dated as of October 22, 2025 Table of Contents ARTICLE I THE MERGER 2 Section 1.01 Merger of Merger Sub with and into Keystone 2 Section 1.02 Effects of the Merger 2 Section 1.03 Certificate of Formation and Bylaws 2 Section 1.04 Director

DIRECTOR SUPPORT AGREEMENT

Exhibit 10.2 DIRECTOR SUPPORT AGREEMENT This DIRECTOR SUPPORT AGREEMENT (the “Agreement”) is made and entered into as of October 22, 2025, by and between Third Coast Bancshares, Inc. (“TCBX”), a Texas corporation and registered bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHCA”), and [], an individual resident of the State of [] (“Director”). Terms with their i

FORM 8-K Item 1.01 Entry into a Material Definitive Agreement. Item 9.01 Financial Statements and Exhibits. Forward-Looking Statements No Offer or Solicitation Important Additional Information and Where to Find It Participants in this Transaction

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

FORM 8-K Item 1.01 Entry into a Material Definitive Agreement. Item 9.01 Financial Statements and Exhibits. Forward-Looking Statements No Offer or Solicitation Important Additional Information and Where to Find It Participants in this Transaction

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

FORM 8-K/A Item 7.01 Regulation FD Disclosure. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commi

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 ha

THIRD COAST BANCSHARES, INC. NYSE & NYSE Texas: TCBX Investor Presentation October 2025 © 2025 Third Coast Bancshares, Inc. Exhibit 99.2  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 provis

Third Coast Bancshares, Inc. and Keystone Bancshares, Inc. Announce Definitive Merger Agreement Once Completed, Combined Total Assets to Exceed $6 Billion

Exhibit 99.1 FOR IMMEDIATE RELEASE News Release Third Coast Bancshares, Inc. and Keystone Bancshares, Inc. Announce Definitive Merger Agreement Once Completed, Combined Total Assets to Exceed $6 Billion HOUSTON and AUSTIN, TX – October 22, 2025 – Third Coast Bancshares, Inc. (“Third Coast”) (NYSE & NYSE Texas: TCBX), the parent company of Third Coast Bank, and Keystone Bancshares, Inc. (“Keystone”

DISCLAIMER Forward-Looking Statements This communication 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 harb

Third Coast Investor Presentation OCTOBER 22, 2025 Partnering with Keystone and Expanding Austin Market Share Exhibit 99.

TCB Employee – Merger Announcement

Exhibit 99.3 TCB Employee – Merger Announcement Comms Channel: Email to TCB Employees Subject Line: TCB Merger Announcement – Keystone Bank TCB Team, I am excited to announce that Third Coast Bancshares, Inc. has entered into a definitive merger agreement with Keystone Bancshares, Inc. Third Coast is financially strong, and this strategic partnership is set to amplify our footprint, which in turn

Third Coast Bancshares, Inc. Reports 2025 Third Quarter Financial Results Record EPS of $1.22 and Diluted EPS of $1.03 in Latest Quarterly Results

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE Third Coast Bancshares, Inc. Reports 2025 Third Quarter Financial Results Record EPS of $1.22 and Diluted EPS of $1.03 in Latest Quarterly Results HOUSTON – October 22, 2025 – Third Coast Bancshares, Inc. (NYSE & NYSE Texas: TCBX) (the “Com

FORM 8-K Item 7.01 Regulation FD Disclosure. Item 8.01 Other Events. Item 9.01 Financial Statements and Exhibits. Forward-Looking Statements No Offer or Solicitation Important Additional Information and Where to Find It Participants in this Transacti

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

Keystone Employee – Merger Announcement

Exhibit 99.4 Keystone Employee – Merger Announcement Comms Channel: Email to Keystone Employees Subject Line: Keystone Merger Announcement – Third Coast Bank Dear Keystone Team, Today, I have the privilege of sharing a momentous step forward in our journey together. I am excited to announce that Keystone Bancshares, Inc. has entered into a definitive merger agreement with Third Coast Bancshares, I

Third Coast Bancshares, Inc. and Keystone Bancshares, Inc. Announce Definitive Merger Agreement Once Completed, Combined Total Assets to Exceed $6 Billion

Exhibit 99.1 FOR IMMEDIATE RELEASE News Release Third Coast Bancshares, Inc. and Keystone Bancshares, Inc. Announce Definitive Merger Agreement Once Completed, Combined Total Assets to Exceed $6 Billion HOUSTON and AUSTIN, TX – October 22, 2025 – Third Coast Bancshares, Inc. (“Third Coast”) (NYSE & NYSE Texas: TCBX), the parent company of Third Coast Bank, and Keystone Bancshares, Inc. (“Keystone”

Keystone Employee – Merger Announcement

Exhibit 99.4 Keystone Employee – Merger Announcement Comms Channel: Email to Keystone Employees Subject Line: Keystone Merger Announcement – Third Coast Bank Dear Keystone Team, Today, I have the privilege of sharing a momentous step forward in our journey together. I am excited to announce that Keystone Bancshares, Inc. has entered into a definitive merger agreement with Third Coast Bancshares, I

TCB Employee – Merger Announcement

Exhibit 99.3 TCB Employee – Merger Announcement Comms Channel: Email to TCB Employees Subject Line: TCB Merger Announcement – Keystone Bank TCB Team, I am excited to announce that Third Coast Bancshares, Inc. has entered into a definitive merger agreement with Keystone Bancshares, Inc. Third Coast is financially strong, and this strategic partnership is set to amplify our footprint, which in turn

FORM 8-K Item 7.01 Regulation FD Disclosure. Item 8.01 Other Events. Item 9.01 Financial Statements and Exhibits. Forward-Looking Statements No Offer or Solicitation Important Additional Information and Where to Find It Participants in this Transacti

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

Keystone Shareholders - Merger

Exhibit 99.5 Keystone Shareholders - Merger Stronger Together: Third Coast & Keystone – Your Relationship Banking Partners! To Our Valued Shareholders, We are excited to announce a significant milestone in our journey: Keystone Bancshares Inc. has signed a definitive merger agreement with Third Coast Bancshares Inc. This dynamic merger will culminate in a robust financial institution having over $

FORM 8-K Item 2.02 Results of Operations and Financial Condition. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

Keystone Shareholders - Merger

Exhibit 99.5 Keystone Shareholders - Merger Stronger Together: Third Coast & Keystone – Your Relationship Banking Partners! To Our Valued Shareholders, We are excited to announce a significant milestone in our journey: Keystone Bancshares Inc. has signed a definitive merger agreement with Third Coast Bancshares Inc. This dynamic merger will culminate in a robust financial institution having over $

DISCLAIMER Forward-Looking Statements This communication 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 harb

Third Coast Investor Presentation OCTOBER 22, 2025 Partnering with Keystone and Expanding Austin Market Share Exhibit 99.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 25 NOTIFICATION OF REMOVAL FROM LISTING AND/OR REGISTRATION UNDER SECTION 12(b) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number: 001-41028 THIRD COAST BANCSHA

25 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 25 NOTIFICATION OF REMOVAL FROM LISTING AND/OR REGISTRATION UNDER SECTION 12(b) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC. The Nasdaq Stock Market LLC (Exact name of Issuer as specified in its charter, and name of Exchange where security is listed and/or regis

NYSE CERTIFICATION

New York Stock Exchange 11 Wall Street New York, NY 10005 Tel: +1 212.656.3000 nyse.com September 30, 2025 Chief, Information Technology Securities and Exchange Commission Division of Corporate Finance 100 F Street, NE MS 3040 Washington, DC 20549 To whom it may concern: The New York Stock Exchange certifies its approval for listing and registration of the Common Stock, par value $1.00 per share,

NYSE TEXAS CERTIFICATION

New York Stock Exchange 11 Wall Street New York, NY 10005 Tel: +1 212.656.3000 nyse.com September 30, 2025 Chief, Information Technology Securities and Exchange Commission Division of Corporate Finance 100 F Street, NE MS 3040 Washington, DC 20549 To whom it may concern: The NYSE Texas certifies its approval for listing and registration of the Common Stock, par value $1.00 per share, of THIRD COAS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 THIRD COAST BANCSHARES, INC. (Exact name of Reg

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 46-2135597 (State or Other Jurisdiction of (IRS Employer Incorporation or Organization) Identification No.)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 THIRD COAST BANCSHARES, INC. (Exact name of Reg

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 46-2135597 (State or Other Jurisdiction of (IRS Employer Incorporation or Organization) Identification No.)

Third Coast Bancshares, Inc. Announces Transfer of Listing of Common Stock to the New York Stock Exchange Includes Dual Listing on NYSE Texas

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Announces Transfer of Listing of Common Stock to the New York Stock Exchange Includes Dual Listing on NYSE Texas HOUSTON – September 22, 2025 – Third Coast Bancshares, Inc. (the “Company”) (NASDAQ: TCBX) announc

FORM 8-K Item 3.01 Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing. Item 7.01 Regulation FD Disclosure. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 22, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commi

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, September 18, 2025 – Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coast Ban

FORM 8-K Item 8.01 Other Events. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 18, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

FORM 8-K Item 2.02 Results of Operations and Financial Condition. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

Third Coast Bancshares, Inc. Reports 2025 Second Quarter Financial Results Record EPS of $1.12 and Diluted EPS of $0.96 in Latest Quarterly Results

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE Third Coast Bancshares, Inc. Reports 2025 Second Quarter Financial Results Record EPS of $1.12 and Diluted EPS of $0.96 in Latest Quarterly Results HOUSTON – July 23, 2025 – Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the “Company,” “Third

LETTER

June 26, 2025 R. John McWhorter Chief Financial Officer Third Coast Bancshares, Inc. 20202 Highway 59 North, Suite 190 Humble, Texas 77338 Re: Third Coast Bancshares, Inc. Form 10-K for the Fiscal Year Ended December 31, 2024 File No. 001-41028 Dear R. John McWhorter: We have completed our review of your filing. We remind you that the company and its management are responsible for the accuracy and

FORM 8-K Item 8.01 Other Events. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 26, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, June 26, 2025 – Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coast Bank, to

THIRD COAST BANCSHARES, INC. June 25, 2025

CORRESP THIRD COAST BANCSHARES, INC. June 25, 2025 VIA EDGAR Division of Corporation Finance U.S. Securities and Exchange Commission 110 F Street N.E. Washington, D.C. 20549 Re: Third Coast Bancshares, Inc. Form 10-K for the Fiscal Year Ended December 31, 2024 File No. 001-41028 Dear Mr. Makhdoom: Set forth below is the response of Third Coast Bancshares, Inc., a Texas corporation (the “Company,”

FORM 8-K Item 8.01 Other Events. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 16, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

Third Coast Bancshares, Inc. Announces 2025 Share Repurchase Program

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Announces 2025 Share Repurchase Program HOUSTON – June 17, 2025 – Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the “Company,” “Third Coast,” “we,” “us,” or “our”), today announced that its Board of Directors has

LETTER

June 13, 2025 R. John McWhorter Chief Financial Officer Third Coast Bancshares, Inc. 20202 Highway 59 North, Suite 190 Humble, Texas 77338 Re: Third Coast Bancshares, Inc. Form 10-K for the Fiscal Year Ended December 31, 2024 File No. 001-41028 Dear R. John McWhorter: We have limited our review of your filing to the financial statements and related disclosures and have the following comments. Plea

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 03, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

Third Coast Bank Announces $150 Million Securitization of Commercial Real Estate Loans in a Transaction Sponsored by EJF Capital LLC

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bank Announces $150 Million Securitization of Commercial Real Estate Loans in a Transaction Sponsored by EJF Capital LLC HOUSTON – June 4, 2025 – Third Coast Bank, a Texas banking association (the “Bank”) and a wholly owned bank

FORM 8-K Item 5.07 Submission of Matters to a Vote of Security Holders.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 22, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

Salary Continuation Agreement, dated as of May 5, 2025, by and between Third Coast Bank and Liz Eber.

Exhibit 10.5 THIRD COAST BANK SALARY CONTINUATION AGREEMENT THIS SALARY CONTINUATION AGREEMENT (this “Agreement”) is made by and between Third Coast Bank, a Texas banking association (the “Bank”), or any other successor, transferee, or assignees, and Liz Eber (the “Executive”). INTRODUCTION To encourage the Executive to remain an employee of the Bank, the Bank is willing to provide salary continua

First Amendment to Salary Continuation Agreement, dated as of May 4, 2025, by and between Third Coast Bank and Bart Caraway.

Exhibit 10.1 FIRST AMENDMENT TO SALARY CONTINUATION AGREEMENT This FIRST AMENDMENT TO SALARY CONTINUATION AGREEMENT (this “Amendment”) is entered into as of May 4, 2025 (the “Effective Date”), by and between Third Coast Bank, a Texas banking association (the “Bank”), and Bart Caraway (“Executive”). Capitalized terms used and not otherwise defined herein shall have the meanings assigned to them in

First Amendment to Salary Continuation Agreement, dated as of May 4, 2025, by and between Third Coast Bank and John McWhorter.

Exhibit 10.2 FIRST AMENDMENT TO SALARY CONTINUATION AGREEMENT This FIRST AMENDMENT TO SALARY CONTINUATION AGREEMENT (this “Amendment”) is entered into as of May 4, 2025 (the “Effective Date”), by and between Third Coast Bank, a Texas banking association (the “Bank”), and John McWhorter (“Executive”). Capitalized terms used and not otherwise defined herein shall have the meanings assigned to them i

Amended and Restated Change of Control Bonus Agreement, dated as of May 4, 2025, by and between Third Coast Bank and Liz Eber.

Exhibit 10.3 Amended and Restated Change of Control Bonus Agreement This Amended and Restated Change of Control Bonus Agreement (this “Agreement”) by and between Third Coast Bank, a Texas banking association (the “Bank”), and Liz Eber (“Employee”), is made and entered into effective as of this 4th day of May 2025 (the “Effective Date”). This Agreement amends, restates and supersedes, in its entire

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

Amended and Restated Change of Control Bonus Agreement, dated as of May 4, 2025, by and between Third Coast Bank and Vicki Alexander.

Exhibit 10.4 Amended and Restated Change of Control Bonus Agreement This Amended and Restated Change of Control Bonus Agreement (this “Agreement”) by and between Third Coast Bank, a Texas banking association (the “Bank”), and Vicki Alexander (“Employee”), is made and entered into effective as of this 4th day of May 2025 (the “Effective Date”). This Agreement amends, restates and supersedes, in its

Salary Continuation Agreement, dated as of May 5, 2025, by and between Third Coast Bank and Vicki Alexander.

Exhibit 10.6 THIRD COAST BANK SALARY CONTINUATION AGREEMENT THIS SALARY CONTINUATION AGREEMENT (this “Agreement”) is made by and between Third Coast Bank, a Texas banking association (the “Bank”), or any other successor, transferee, or assignees, and Vicki Alexander (the “Executive”). INTRODUCTION To encourage the Executive to remain an employee of the Bank, the Bank is willing to provide salary c

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 1

THIRD COAST BANCSHARES, INC. April 29, 2025

CORRESP THIRD COAST BANCSHARES, INC. April 29, 2025 VIA EDGAR Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Third Coast Bancshares, Inc. Registration Statement on Form S-3 (File No. 333-286632) Request for Acceleration of Effectiveness Ladies and Gentlemen: Third Coast Bancshares, Inc. (the “Company”) hereby respectfully requests t

LETTER

April 28, 2025 Bart O. Caraway Chief Executive Officer Third Coast Bancshares, Inc. 20202 Highway 59 North, Suite 190 Humble, TX 77338 Re: Third Coast Bancshares, Inc. Registration Statement on Form S-3 Filed April 18, 2025 File No. 333-286632 Dear Bart O. Caraway: This is to advise you that we have not reviewed and will not review your registration statement. Please refer to Rules 460 and 461 reg

FORM 8-K Item 2.02 Results of Operations and Financial Condition. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

Third Coast Bancshares, Inc. Reports 2025 First Quarter Financial Results Year-over-Year Net Income Improved 31% and Diluted EPS increased 28% Net Interest Margin Expands to 3.80% and Book Value Per Share Increases

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE Third Coast Bancshares, Inc. Reports 2025 First Quarter Financial Results Year-over-Year Net Income Improved 31% and Diluted EPS increased 28% Net Interest Margin Expands to 3.80% and Book Value Per Share Increases HOUSTON – April 23, 2025

Form of Indenture for Subordinated Debt Securities

EX-4.15 Exhibit 4.15 THIRD COAST BANCSHARES, INC. as Issuer, and [ ] as Trustee SUBORDINATED DEBT INDENTURE Dated as of [ ] TABLE OF CONTENTS ARTICLE I. DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 101 Definitions 1 Section 102 Compliance Certificates and Opinions 6 Section 103 Form of Documents Delivered to Trustee 7 Section 104 Acts of Holders 7 Section 105 Required Notices or Demands 8

Form of Indenture for Senior Debt Securities

EX-4.14 Exhibit 4.14 THIRD COAST BANCSHARES, INC. as Issuer, and [ ] as Trustee SENIOR DEBT INDENTURE Dated as of [ ] TABLE OF CONTENTS ARTICLE I. DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 101 Definitions 1 Section 102 Compliance Certificates and Opinions 5 Section 103 Form of Documents Delivered to Trustee 6 Section 104 Acts of Holders 6 Section 105 Required Notices or Demands 7 Sectio

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) Third Coast Bancshares, Inc.

As filed with the Securities and Exchange Commission on April 18, 2025

Table of Contents As filed with the Securities and Exchange Commission on April 18, 2025 Registration No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14

ARS

Flywheel Momentum Dear Fellow Shareholders, Exceptional Growth & Efficiency Third Coast has made exceptional strides in both growth and earnings since transitioning to a publicly traded company.

Third Coast Bank Announces Securitization of $200 Million Commercial Real Estate Loan in a Transaction Sponsored by EJF Capital LLC

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bank Announces Securitization of $200 Million Commercial Real Estate Loan in a Transaction Sponsored by EJF Capital LLC HOUSTON – April 7, 2025 – Third Coast Bank, a Texas banking association (the “Bank”) and a wholly owned bank

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 01, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, March 20, 2025 – Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coast Bank, t

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 20, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

Change of Control Bonus Agreement, dated as of December 2, 2024, by and between Third Coast Bank and Vicki Alexander.

Exhibit 10.33 Change of Control Bonus Agreement This Change of Control Bonus Agreement (this “Agreement”) by and between Third Coast Bank, a Texas banking association (the “Bank”), and Vicki Alexander (“Employee”), is made and entered into effective as of this 2nd day of December 2024 (the “Effective Date”). Preliminary Statements A. The Bank is a wholly owned subsidiary of Third Coast Bancshares,

Third Coast Bancshares, Inc. Compensation Recovery Policy.

Exhibit 97.1 Compensation Recovery Policy 1 Table of Contents 1. Purpose 2 2. Administration 2 3. Definitions 2 4. Repayment of Erroneously Awarded Compensation 4 5. Reporting and Disclosure 6 6. Indemnification Prohibition 6 7. Interpretation 6 8. Effective Date 7 9. Amendment; Termination 7 10. Other Recoupment Rights; No Additional Payments 7 11. Successors 8 1. Purpose The purpose of this Poli

Third Coast Bancshares, Inc. Insider Trading Policy.

Exhibit 19.1 Insider Trading Policy Table of Contents 1. Purpose 2 2. Overview 2 3. Requirements 3 Part I 3 1.1 Applicability 3 1.2 General Policy: No Trading or Causing Trading While in Possession of Material Non-Public Information 4 1.3 Definitions 4 1.4 Exceptions 6 1.5 Violations of Insider Trading Laws 7 1.6 Inquiries 8 Part II 8 2.1 Blackout Periods 8 2.2 Transactions Not Involving a Purchas

Change of Control Bonus Agreement, dated as of December 2, 2024, by and between Third Coast Bank and Liz Eber.

Exhibit 10.32 Change of Control Bonus Agreement This Change of Control Bonus Agreement (this “Agreement”) by and between Third Coast Bank, a Texas banking association (the “Bank”), and Liz Eber (“Employee”), is made and entered into effective as of this 2nd day of December 2024 (the “Effective Date”). Preliminary Statements A. The Bank is a wholly owned subsidiary of Third Coast Bancshares, Inc.,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-41028 THIRD COAST BAN

Description of Registrant's Securities.

Exhibit 4.2 description of REGISTRANT’S SECURITIES As of December 31, 2024, Third Coast Bancshares, Inc. (the “Company,” “we,” “our,” “us”) had one class of securities registered under Section 12 of the Securities Exchange Act of 1934 (the “Exchange Act”), the Company’s common stock. DESCRIPTION OF COMMON STOCK General We are incorporated under the laws of the state of Texas. The rights of our sha

Subsidiaries of Third Coast Bancshares, Inc.

Exhibit 21.1 Third Coast Bancshares, Inc. Subsidiaries Entity Name State of Incorporation Third Coast Bank Texas, U.S.A. Third Coast Commercial Capital, Inc. Texas, U.S.A.

Third Coast Bancshares, Inc. Reports 2024 Fourth Quarter and Full Year Financial Results Year Over Year Book Value grew 12.8% and Tangible Book Value(1) grew 13.6%

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE Third Coast Bancshares, Inc. Reports 2024 Fourth Quarter and Full Year Financial Results Year Over Year Book Value grew 12.8% and Tangible Book Value(1) grew 13.6% HOUSTON – January 22, 2025 – Third Coast Bancshares, Inc. (NASDAQ: TCBX) (th

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 22, 2025 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, December 19, 2024 – Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coast Bank

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 19, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commis

TCBX / Third Coast Bancshares, Inc. / Castle Creek Capital Partners VIII, LP - SC 13D/A Activist Investment

SC 13D/A 1 tm2429019d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 4)* THIRD COAST BANCSHARES, INC. (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 88422P109 (CUSIP Number) Castle Creek Capital Partners VIII, LP 11682 El Camino Real, Suite 320

TCBX / Third Coast Bancshares, Inc. / Castle Creek Capital Partners VIII, LP - SC 13D/A Activist Investment

SC 13D/A 1 tm2428199d2sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 3)* THIRD COAST BANCSHARES, INC. (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 88422P109 (CUSIP Number) Castle Creek Capital Partners VIII, LP 11682 El Camino Real, Suite 320

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 23, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

THIRD COAST BANCSHARES, INC. REPORTS 2024 THIRD QUARTER FINANCIAL RESULTS Record Basic EPS of $0.85 and Diluted EPS of $0.74

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE THIRD COAST BANCSHARES, INC. REPORTS 2024 THIRD QUARTER FINANCIAL RESULTS Record Basic EPS of $0.85 and Diluted EPS of $0.74 HOUSTON, TX – October 23, 2024 – Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the “Company,” “Third Coast,” “we,” “

THIRD COAST BANCSHARES, INC. 20202 Highway 59 North, Suite 190 Humble, Texas 77338 October 2, 2024

THIRD COAST BANCSHARES, INC. 20202 Highway 59 North, Suite 190 Humble, Texas 77338 October 2, 2024 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Third Coast Bancshares, Inc. Registration Statement on Form S-3 Filed September 25, 2024 File No. 333-282328 Ladies and Gentlemen: Pursuant to Rule 461 promulgated under the

LETTER

September 30, 2024 Bart O. Caraway Chief Executive Officer Third Coast Bancshares, Inc. 20202 Highway 59 North, Suite 190 Humble, TX 77338 Re: Third Coast Bancshares, Inc. Registration Statement on Form S-3 Filed September 25, 2024 File No. 333-282328 Dear Bart O. Caraway: This is to advise you that we have not reviewed and will not review your registration statement. Please refer to Rules 460 and

As filed with the Securities and Exchange Commission on September 25, 2024

S-3 Table of Contents As filed with the Securities and Exchange Commission on September 25, 2024 Registration No.

Calculation of Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) Third Coast Bancshares, Inc.

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 TCBX@dennardlascar.

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 19, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

THIRD COAST BANCSHARES, INC. REPORTS 2024 SECOND QUARTER FINANCIAL RESULTS Record EPS of $0.70 and Diluted EPS of $0.63 in Latest Quarterly Results

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE THIRD COAST BANCSHARES, INC. REPORTS 2024 SECOND QUARTER FINANCIAL RESULTS Record EPS of $0.70 and Diluted EPS of $0.63 in Latest Quarterly Results HOUSTON, TX – July 24, 2024 – Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the “Company,” “T

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 20, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, Texas, June 20, 2024 – Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coast B

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 30, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14

ARS

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Renewal, Extension and Modification of Loan, effective March 12, 2024, by and among Third Coast Bancshares, Inc. and American National Bank & Trust (incorporated by reference to Exhibit 10.1 to the Company's Current Report on Form 8-K filed with the SEC on April 24, 2024).

THIRD COAST BANCSHARES, INC.- RENEWAL, EXTENSION AND MODIFICATION OF LOAN Page Exhibit 10.1 AMERICAN NATIONAL BANK & TRUST RENEWAL, EXTENSION AND MODIFICATION OF LOAN THIS RENEWAL, EXTENSION AND MODIFICATION OF LOAN (this “Renewal”) is made by and between THIRD COAST BANCSHARES, INC. (the “Borrower”) and AMERICAN NATIONAL BANK & TRUST (“Lender”), to be effective as of the 12th day of March, 2024.

THIRD COAST BANCSHARES, INC. REPORTS 2024 FIRST QUARTER FINANCIAL RESULTS Continued Growth Results in Record EPS of $0.68 and Diluted EPS of $0.61

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE THIRD COAST BANCSHARES, INC. REPORTS 2024 FIRST QUARTER FINANCIAL RESULTS Continued Growth Results in Record EPS of $0.68 and Diluted EPS of $0.61 HOUSTON, TX – April 24, 2024 – Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the “Company,” “T

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 24, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 12, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, Texas, March 21, 2024 – Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coast

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 21, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

Amendment to Employment Agreement, dated as of March 15, 2024, by and between Third Coast Bank and R. John McWhorter (incorporated by reference to Exhibit 10.1 to the Company's Current Report on Form 8-K filed with the SEC on March 15, 2024).

Exhibit 10.1 AMENDMENT TO EMPLOYMENT AGREEMENT This AMENDMENT TO EMPLOYMENT AGREEMENT (this “Amendment”) is entered into as of March 15, 2024, by and between Third Coast Bank, a Texas banking association (the “Bank”), and R. John McWhorter (“Executive”). Capitalized terms used and not otherwise defined herein shall have the meanings assigned to them in the Employment Agreement (as defined below).

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 15, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 14, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

Third Coast Announces Conversion to State-Chartered Bank Third Coast converts to a Texas Banking Association

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Announces Conversion to State-Chartered Bank Third Coast converts to a Texas Banking Association HOUSTON, Texas, March 14, 2024 – Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the “Company,” “Third Coast,” or “our”), the holding

Third Coast Bancshares, Inc. Compensation Recovery Policy dated October 19, 2023.

Exhibit 97.1 Third Coast Bancshares, Inc. Compensation Recovery Policy 1. Purpose. The purpose of this Policy is to describe the circumstances in which Executive Officers will be required to repay or return Erroneously Awarded Compensation to the Company Group. Each Executive Officer shall be required to sign and return to the Company the Acknowledgement Form attached hereto as Exhibit A pursuant

Subsidiaries of Third Coast Bancshares, Inc.

Exhibit 21.1 Third Coast Bancshares, Inc. Subsidiaries Entity Name State of Incorporation Third Coast Bank, SSB Texas, U.S.A. Third Coast Commercial Capital, Inc. Texas, U.S.A.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-41028 THIRD COAST BAN

Description of Registrant's Securities.

Exhibit 4.2 description of REGISTRANT’S SECURITIES As of December 31, 2023, Third Coast Bancshares, Inc. (the “Company,” “we,” “our,” “us”) had one class of securities registered under Section 12 of the Securities Exchange Act of 1934 (the “Exchange Act”), the Company’s common stock. DESCRIPTION OF COMMON STOCK General We are incorporated under the laws of the state of Texas. The rights of our sha

Third Coast Announces Organizational Changes to Drive Future Growth Alexander named Chief Risk and Operations Officer Eber named Chief Legal Officer

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Announces Organizational Changes to Drive Future Growth Alexander named Chief Risk and Operations Officer Eber named Chief Legal Officer HOUSTON, Texas, March 4, 2024 – Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the “Company,”

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 01, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

TCBX / Third Coast Bancshares, Inc. / BlackRock Inc. Passive Investment

SC 13G/A 1 us88422p1093012924.txt us88422p1093012924.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 1) Third Coast Bancshares, Inc. - (Name of Issuer) Common Stock - (Title of Class of Securities) 88422P109 - (CUSIP Number) December 31, 2023 - (Date of Event Which Requires Filing of this Statement) Check the appro

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2024 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

THIRD COAST BANCSHARES, INC. REPORTS RECORD 2023 FOURTH QUARTER AND FULL YEAR FINANCIAL RESULTS Year over Year Book Value grew 9.0% and Tangible Book Value(1) grew 9.7%

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE THIRD COAST BANCSHARES, INC. REPORTS RECORD 2023 FOURTH QUARTER AND FULL YEAR FINANCIAL RESULTS Year over Year Book Value grew 9.0% and Tangible Book Value(1) grew 9.7% HOUSTON, TX – January 25, 2024 – Third Coast Bancshares, Inc. (NASDAQ:

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 21, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commis

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, Texas, December 21, 2023 – Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coa

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 25, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

THIRD COAST BANCSHARES, INC. REPORTS THIRD QUARTER 2023 FINANCIAL RESULTS Total loans grow $225.7 million to $3.56 billion Book Value grows 1.4% and Tangible Book Value(1) grows 1.5%

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE THIRD COAST BANCSHARES, INC. REPORTS THIRD QUARTER 2023 FINANCIAL RESULTS Total loans grow $225.7 million to $3.56 billion Book Value grows 1.4% and Tangible Book Value(1) grows 1.5% HOUSTON, TX – October 25, 2023 – Third Coast Bancshares,

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, Texas, September 25, 2023 – Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Co

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 22, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commi

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 16, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissi

Employment Agreement, dated as of April 20, 2023, by and between Bill Bobbora and Third Coast Bank, SSB (incorporated by reference to Exhibit 10.1 to the Company's Quarterly Report on Form 10-Q filed with the SEC on August 8, 2023).

Exhibit 10.1 EMPLOYMENT AGREEMENT This EMPLOYMENT AGREEMENT (this “Agreement”) is entered into as of April 20, 2023 (the “Effective Date”) by and between Bill Bobbora (“Executive”) and Third Coast Bank, SSB, a Texas state savings bank (the “Bank” or “Company”). WHEREAS, the Bank desires to employ Executive on the terms and conditions set forth herein; WHEREAS, Executive desires to be employed by t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

Salary Continuation Agreement, dated as of April 20, 2023, by and between Third Coast Bank, SSB and Bill Bobbora (incorporated by reference to Exhibit 10.2 to the Company's Quarterly Report on Form 10-Q filed with the SEC on August 8, 2023).

Exhibit 10.2 THIRD COAST BANK, SSB SALARY CONTINUATION AGREEMENT THIS SALARY CONTINUATION AGREEMENT (this “Agreement”) is made by and between Third Coast Bank, SSB, Humble, Texas, a Texas banking association (the “Bank”), or any other successor, transferee, or assignees, and Bill Bobbora (the “Executive”). INTRODUCTION To encourage the Executive to remain an employee of the Bank, the Bank is willi

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 20, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

THIRD COAST BANCSHARES, INC. REPORTS SECOND QUARTER 2023 FINANCIAL RESULTS Book Value grows 2.5% and Tangible Book Value(1) grows 2.7% in second quarter 2023 Total assets reached $3.96 billion

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE THIRD COAST BANCSHARES, INC. REPORTS SECOND QUARTER 2023 FINANCIAL RESULTS Book Value grows 2.5% and Tangible Book Value(1) grows 2.7% in second quarter 2023 Total assets reached $3.96 billion HOUSTON, TX – July 26, 2023 – Third Coast Bancs

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 07, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 1

TCBX / Third Coast Bancshares Inc / Castle Creek Capital Partners VIII, LP - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2)* THIRD COAST BANCSHARES, INC. (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 88422P109 (CUSIP Number) Castle Creek Capital Partners VIII, LP 11682 El Camino Real, Suite 320 San Diego, CA 92130 858-756-8300 (Name, A

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, Texas, June 15, 2023 – Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coast B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 15, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 25, 2023 THIRD COAST BANCSHAR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 25, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

Certificate of Amendment to Certificate of Formation of Third Coast Bancshares, Inc. (incorporated by reference to Exhibit 3.1 to the Company's Current Report on Form 8-K filed with the SEC on May 26, 2023).

EX-3.1 Exhibit 3.1 CERTIFICATE OF AMENDMENT TO THE CERTIFICATE OF FORMATION OF THIRD COAST BANCSHARES, INC. This Certificate of Amendment is submitted for filing pursuant to the applicable provisions of the Texas Business Organizations Code. Entity Information The name of the filing entity is Third Coast Bancshares, Inc., and it is a for-profit corporation (the “Corporation”). The Corporation’s da

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEFA14A 1 d498437ddefa14a.htm DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

TCBX / Third Coast Bancshares Inc / Castle Creek Capital Partners VIII, LP - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1)* THIRD COAST BANCSHARES, INC. (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 88422P109 (CUSIP Number) Castle Creek Capital Partners VIII, LP 11682 El Camino Real, Suite 320 San Diego, CA 92130 858-756-8300 (Name, A

Joint Filing Agreement, dated as of May 8, 2023, by and among Castle Creek Capital Partners VII, LP, Castle Creek Capital VII LLC, Castle Creek Capital Partners VIII, LP, Castle Creek Capital Partners VIII Co-Investment Fund A, LP and Castle Creek Capital VIII LLC.

Exhibit 99.1 JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13D, dated May 8, 2023 with respect to the common stock, par value $1.00 per share, of Third Coast Bancshares, Inc., a Texas corporation, is, and any amendments hereto signed by each of the undersigned shall be, filed on behalf of each of us pursuant to and in accordance with the provisions of Rule 13d-1(k) under t

THIRD COAST BANCSHARES, INC. REPORTS 2023 FIRST QUARTER FINANCIAL RESULTS Continued progress results in 1.02% ROAA on improved margins

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE THIRD COAST BANCSHARES, INC. REPORTS 2023 FIRST QUARTER FINANCIAL RESULTS Continued progress results in 1.02% ROAA on improved margins HOUSTON, TX – April 26, 2023 – Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the “Company,” “Third Coast,”

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14

Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HOUSTON, Texas, March 16, 2023 – Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coast

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 16, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commissio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-41028 THIRD COAST BAN

Consulting Agreement, dated as of January 1, 2023, by and between Third Coast Bancshares, Inc. and Dennis Bonnen (incorporated by reference to Exhibit 10.29 to the Company's Annual Report on Form 10-K filed with the SEC on March 15, 2023).

Exhibit 10.29 CONSULTING AGREEMENT THIS CONSULTING AGREEMENT (this “Agreement”), dated as of January 1, 2023 (“Effective Date”), is made and entered into by and between Third Coast Bancshares, Inc. (“Company”), the parent bank holding company of Third Coast Bank, SSB (the “Bank”), a Texas state savings bank, and Dennis Bonnen (“Consultant”). WHEREAS, the Company his indicated that it would like to

Description of Registrant's Securities.

Exhibit 4.2 description of REGISTRANT’S SECURITIES As of December 31, 2022, Third Coast Bancshares, Inc. (the “Company,” “we,” “our,” “us”) had one class of securities registered under Section 12 of the Securities Exchange Act of 1934 (the “Exchange Act”), the Company’s common stock. DESCRIPTION OF COMMON STOCK General We are incorporated under the laws of the state of Texas. The rights of our sha

Subsidiaries of Third Coast Bancshares, Inc.

Exhibit 21.1 Third Coast Bancshares, Inc. Subsidiaries Entity Name State of Incorporation Third Coast Bank, SSB Texas, U.S.A. Third Coast Commercial Capital, Inc. Texas, U.S.A.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 16, 2023 THIRD COAST BAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 16, 2023 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Texas 001-41028 46-2135597 (State or other jurisdiction of incorporation) (Commis

TCBX / Third Coast Bancshares Inc / BlackRock Inc. Passive Investment

us88422p1093020323.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: ) Third Coast Bancshares, Inc. - (Name of Issuer) Common Stock - (Title of Class of Securities) 88422P109 - (CUSIP Number) December 31, 2022 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pu

THIRD COAST BANCSHARES, INC. REPORTS 2022 FOURTH QUARTER AND FULL YEAR FINANCIAL RESULTS Gross Loans, Deposits and Total Assets grew over 50% for full year 2022 compared to full year 2021 results

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE THIRD COAST BANCSHARES, INC. REPORTS 2022 FOURTH QUARTER AND FULL YEAR FINANCIAL RESULTS Gross Loans, Deposits and Total Assets grew over 50% for full year 2022 compared to full year 2021 results HOUSTON, TX – January 26, 2023 – Third Coast

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2023 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

Third Coast Bancshares, Inc. Declares Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 News Release FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HUMBLE, Texas, December 15, 2022 ? Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coast Bank, SS

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 15, 2022 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commis

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2022 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commiss

THIRD COAST BANCSHARES, INC. REPORTS THIRD QUARTER 2022 FINANCIAL RESULTS Record Quarterly Net Income and Net Interest Income

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE THIRD COAST BANCSHARES, INC. REPORTS THIRD QUARTER 2022 FINANCIAL RESULTS Record Quarterly Net Income and Net Interest Income HUMBLE, TX ? October 26, 2022 ? Third Coast Bancshares, Inc. (NASDAQ: TCBX) (the ?Company?, ?Third Coast?, ?we?, ?

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 20, 2022 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Texas 001-41028 46-2135597 (State or other jurisdiction of incorporation) (Commiss

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 14, 2022 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Texas 001-41028 46-2135597 (State or other jurisdiction of incorporation) (Commiss

Third Coast Bancshares, Inc. Declares Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

Exhibit 99.1 NEWS RELEASE FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Declares Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock HUMBLE, Texas, October 14, 2022 ? Third Coast Bancshares, Inc. (NASDAQ: TCBX), the holding company of Third Coast Bank, SSB

VCOC Letter Agreement, dated as of September 30, 2022, by and between Third Coast Bancshares, Inc. and Castle Creek Capital Partners VIII, LP.

Exhibit 99.7 LETTER AGREEMENT THIRD COAST BANCSHARES, INC. 20202 Highway 59 North, suite 190 humble, tx 77338 September 30, 2022 Castle Creek Capital Partners VIII, L.P. 11682 El Camino Real, Suite 320 San Diego, CA 92130 Dear Sir/Madam: Reference is made to the Investment Agreement by and between Third Coast Bancshares, Inc., a Texas corporation (the “Corporation”), and the Investors name therein

Letter Agreement, dated as of September 30, 2022, by and between Third Coast Bancshares, Inc. and Castle Creek Capital Partners VIII, LP.

Exhibit 99.4 LETTER AGREEMENT THIRD COAST BANCSHARES, INC. 20202 HIGHWAY 59 NORTH, SUITE 190 HUMBLE, TX 77338 September 30, 2022 Castle Creek Capital Partners VIII, L.P. 11682 El Camino Real, Suite 320 San Diego, CA 92130 Dear Sir/Madam: Reference is made to the Investment Agreement by and among Third Coast Bancshares, Inc., a Texas corporation (the “Company”), and the investors name therein, incl

TCBX / Third Coast Bancshares Inc / Castle Creek Capital Partners VIII, LP - SC 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. )* THIRD COAST BANCSHARES, INC. (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 88422P109 (CUSIP Number) Castle Creek Capital Partners VIII, LP 11682 El Camino Real, Suite 320 San Diego, CA 92130 858-756-8300 (Name, Ad

Joint Filing Agreement, dated as of October 7, 2022, by and between Castle Creek Capital Partners VIII, LP, Castle Creek Capital Partners VIII, Co-Investment Fund A, LP and Castle Creek Capital VIII LLC.

EX-99.1 2 tm2227392d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13D, dated October 7, 2022, with respect to the common stock, par value $1.00 per share, of Third Coast Bancshares, Inc., a Texas corporation, is, and any amendments hereto signed by each of the undersigned shall be, filed on behalf of each of us pursuant to and in accor

Certificate of Designation, Preferences and Rights of Series A Convertible Non-Cumulative Preferred Stock of Third Coast Bancshares, Inc. (incorporated by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K filed with the SEC on October 6, 2022).

Exhibit 3.1 CERTIFICATE OF DESIGNATION, PREFERENCES AND RIGHTS OF SERIES A CONVERTIBLE NON-CUMULATIVE PREFERRED STOCK OF THIRD COAST BANCSHARES, INC. Pursuant to Sections 21.155 and 21.156 of the Business Organizations Code of the State of Texas Third Coast Bancshares, Inc. (the ?Corporation?), a corporation organized and existing under the Texas Business Organizations Code (the ?TBOC?), in accord

Regulation FD Disclosure, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Entry into a Material Definitive Agreement, Material Modification to Rights of Security Holders, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 30, 2022 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Texas 001-41028 46-2135597 (State or other jurisdiction of incorporation) (Commi

Third Coast Bancshares, Inc. Announces Closing of $69.4 Million Private Placement of Convertible Preferred Stock

Exhibit 99.1 NEWS RELEASE FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Announces Closing of $69.4 Million Private Placement of Convertible Preferred Stock HUMBLE, Texas, October 3, 2022 ? Third Coast Bancshares, Inc. (NASDAQ: TCBX), (?Third Coast? or the ?Company?), the holding com

Form of Warrant Agreement (incorporated by reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K filed with the SEC on October 6, 2022).

Exhibit 4.1 FORM OF WARRANT AGREEMENT THE ISSUANCE OF THESE SECURITIES HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE ?SECURITIES ACT?), OR APPLICABLE STATE SECURITIES LAWS. THE SECURITIES MAY NOT BE OFFERED FOR SALE, SOLD, TRANSFERRED OR ASSIGNED (I) IN THE ABSENCE OF (A) AN EFFECTIVE REGISTRATION STATEMENT FOR THE SECURITIES UNDER THE SECURITIES ACT OR (B) AN AVAILABLE EXEMPTION F

Form of Letter Agreement, dated September 30, 2022, by and among Third Coast Bancshares, Inc. and the several purchasers thereto (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the SEC on October 6, 2022).

Exhibit 10.1 THIRD COAST BANCSHARES, INC. 20202 HIGHWAY 59 NORTH, SUITE 190 HUMBLE, TX 77338 September 30, 2022 To the Investors Ladies and Gentlemen: Reference is made to the Investment Agreement, dated as of September 8, 2022 (the ?Agreement?), by and among Third Coast Bancshares, Inc., a Texas corporation (the ?Company?), and the several purchasers of the Series A Preferred Stock identified on

Certificate of Designation, Preferences and Rights of Series B Convertible Perpetual Preferred Stock of Third Coast Bancshares, Inc. (incorporated by reference to Exhibit 3.2 to the Company’s Current Report on Form 8-K filed with the SEC on October 6, 2022).

Exhibit 3.2 CERTIFICATE OF DESIGNATION, PREFERENCES AND RIGHTS OF SERIES B CONVERTIBLE PERPETUAL PREFERRED STOCK OF THIRD COAST BANCSHARES, INC. Pursuant to Sections 21.155 and 21.156 of the Business Organizations Code of the State of Texas Third Coast Bancshares, Inc. (the ?Corporation?), a corporation organized and existing under the Texas Business Organizations Code (the ?TBOC?), in accordance

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 10, 2022 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Texas 001-41028 46-2135597 (State or other jurisdiction of incorporation) (Commi

Renewal, Extension and Modification of Loan, effective September 10, 2022, by and among Third Coast Bancshares, Inc. and American National Bank & Trust (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the SEC on September 14, 2022).

Exhibit 10.1 AMERICAN NATIONAL BANK & TRUST RENEWAL, EXTENSION AND MODIFICATION OF LOAN THIS RENEWAL, EXTENSION AND MODIFICATION OF LOAN (this ?Renewal?) is made by and between THIRD COAST BANCSHARES, INC. (the ?Borrower?) and AMERICAN NATIONAL BANK & TRUST (?Lender?), to be effective as of the 10th day of September, 2022. RECITALS: WHEREAS, in accordance with that certain Loan Agreement (as previ

Regulation FD Disclosure, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Entry into a Material Definitive Agreement, Material Modification to Rights of Security Holders, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 8, 2022 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Texas 001-41028 46-2135597 (State or other jurisdiction of incorporation) (Commis

Third Coast Bancshares, Inc. Announces Private Placement of $69.4 Million of Convertible Preferred Stock

Exhibit 99.1 NEWS RELEASE FOR IMMEDIATE RELEASE Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] Third Coast Bancshares, Inc. Announces Private Placement of $69.4 Million of Convertible Preferred Stock HUMBLE, Texas, September 8, 2022 ? Third Coast Bancshares, Inc. (NASDAQ: TCBX), (?Third Coast? or the ?Company?), the holding company f

Form of Registration Rights Agreement (incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed with the SEC on September 9, 2022).

Exhibit 10.2 FORM OF THIRD COAST BANCSHARES, INC. REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this ?Agreement?) is made and entered into as of [?], 2022, by and among Third Coast Bancshares, Inc., a Texas corporation (the ?Company?), and the purchaser(s) signatory hereto (each a ?Registration Rights Purchaser? and collectively, the ?Registration Rights Purchasers?). This Agre

Form of Voting Agreement (incorporated by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed with the SEC on September 9, 2022).

Exhibit 10.3 EXHIBIT D FORM OF VOTING AGREEMENT This Voting Agreement (this ?Agreement?), dated as of September 8, 2022, is by and among the shareholders listed on the signature page hereto (each, a ?Shareholder? and, collectively, the ?Shareholders?) and each of the purchasers listed on the signature page hereto (each, an ?Investor? and, collectively, the ?Investors?). WHEREAS, simultaneously wit

Series B Certificate of Designation

Exhibit 3.2 CERTIFICATE OF DESIGNATION, PREFERENCES AND RIGHTS OF SERIES B CONVERTIBLE PERPETUAL PREFERRED STOCK OF THIRD COAST BANCSHARES, INC. Pursuant to Sections 21.155 and 21.156 of the Business Organizations Code of the State of Texas Third Coast Bancshares, Inc. (the ?Corporation?), a corporation organized and existing under the Texas Business Organizations Code (the ?TBOC?), in accordance

Form of Investment Agreement, dated September 8, 2022, by and among Third Coast Bancshares, Inc. and the several purchasers thereto (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the SEC on September 9, 2022).#

Exhibit 10.1 INVESTMENT AGREEMENT BY AND AMONG THIRD COAST BANCSHARES, INC. AND THE INVESTORS DATED AS OF SEPTEMBER 8, 2022 TABLE OF CONTENTS Page(s) Section 1. Certain Definitions 1 Section 2. Purchase; Closings 9 (a) Purchase and Sale 9 (b) Closing 9 Section 3. Representations and Warranties of the Company 10 (a) Organization and Authority 10 (b) Authorization 10 (c) Capitalization; Subsidiaries

Form of Warrant Agreement

Exhibit 4.1 FORM OF WARRANT AGREEMENT THE ISSUANCE OF THESE SECURITIES HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE ?SECURITIES ACT?), OR APPLICABLE STATE SECURITIES LAWS. THE SECURITIES MAY NOT BE OFFERED FOR SALE, SOLD, TRANSFERRED OR ASSIGNED (I) IN THE ABSENCE OF (A) AN EFFECTIVE REGISTRATION STATEMENT FOR THE SECURITIES UNDER THE SECURITIES ACT OR (B) AN AVAILABLE EXEMPTION F

Series A Certificate of Designation

Exhibit 3.1 CERTIFICATE OF DESIGNATION, PREFERENCES AND RIGHTS OF SERIES A CONVERTIBLE NON-CUMULATIVE PREFERRED STOCK OF THIRD COAST BANCSHARES, INC. Pursuant to Sections 21.155 and 21.156 of the Business Organizations Code of the State of Texas Third Coast Bancshares, Inc. (the ?Corporation?), a corporation organized and existing under the Texas Business Organizations Code (the ?TBOC?), in accord

Form of Letter Agreement (incorporated by reference to Exhibit 10.4 to the Company’s Current Report on Form 8-K filed with the SEC on September 9, 2022).

Exhibit 10.4 EXHIBIT L FORM OF LETTER AGREEMENT THIRD COAST BANCSHARES, INC. 20202 HIGHWAY 59 NORTH, SUITE 190 HUMBLE, TX 77338 [?], 2022 Castle Creek Capital Partners VIII, L.P. 11682 El Camino Real, Suite 320 San Diego, CA 92130 Dear Sir/Madam: Reference is made to the Investment Agreement by and among Third Coast Bancshares, Inc., a Texas corporation (the ?Company?), and the investors name ther

Disclaimer Legal Disclaimer This confidential presentation (this “presentation”) has been prepared solely for general informational purposes by or on behalf of Third Coast Bancshares, Inc. (“Third Coast,” “TCBX,” the “Company,” the “holding company,”

Exhibit 99.2 Third Coast Bancshares, Inc. Investor Presentation Subordinated Debt Placement Non-Cumulative Convertible Perpetual Preferred Stock Offering February 2022 July 2022 Confidential Investor Presentation Disclaimer Legal Disclaimer This confidential presentation (this ?presentation?) has been prepared solely for general informational purposes by or on behalf of Third Coast Bancshares, Inc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

- Draft review and test completed. No issues found. UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fr

THIRD COAST BANCSHARES, INC. REPORTS SECOND QUARTER 2022 FINANCIAL RESULTS Strategic Growth Plan Includes Realignment of Production Leadership and Research and Development Initiatives

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 [email protected] FOR IMMEDIATE RELEASE THIRD COAST BANCSHARES, INC. REPORTS SECOND QUARTER 2022 FINANCIAL RESULTS Strategic Growth Plan Includes Realignment of Production Leadership and Research and Development Initiatives HUMBLE, TX ? July 27, 2022 ? Third Coast Bancshares, Inc

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2022 THIRD COAST BANCSHARES, INC. (Exact name of Registrant as Specified in Its Charter) Texas 001-41028 46-2135597 (State or Other Jurisdiction of Incorporation) (Commission

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): July 11, 2022 THIRD COAST BANCSHARES, INC.

Third Coast Bancshares, Inc.

Filed Pursuant to Rule 424(b)(3) Registration Statement No. 333-265235 PROSPECTUS SUPPLEMENT NO. 2 (to prospectus dated June 6, 2022) Third Coast Bancshares, Inc. This Prospectus Supplement No. 2 (this ?Prospectus Supplement?) supplements the prospectus dated June 6, 2022 (as amended or supplemented from time to time, the ?Prospectus?) of Third Coast Bancshares, Inc., a Texas corporation (?we? or

Third Coast Bancshares Announces Extension of Exchange Offer

Exhibit 99.1 NEWS RELEASE FOR IMMEDIATE RELEASE Third Coast Bancshares Announces Extension of Exchange Offer HUMBLE, TX, July 11, 2022 ? Third Coast Bancshares, Inc. (Nasdaq: TCBX) (the ?Company? or ?Third Coast?), the bank holding company for Third Coast Bank, SSB, announced today that it extended its offer to holders of $82,250,000 in aggregate principal amount of its 5.500% Fixed-to-Floating Ra

Confidential Separation Agreement and General Release, dated June 30, 2022, by and between Third Coast Bancshares, Inc., Third Coast Bank, SSB, and Donald Legato (incorporated by reference to Exhibit 10.1 to the Company's Current Report on Form 8-K filed with the SEC on July 7, 2022).

Exhibit 10.1 CONFIDENTIAL SEPARATION AGREEMENT AND GENERAL RELEASE This Confidential Separation Agreement and General Release (?Agreement?) is entered into between Donald Legato (?Executive?), Third Coast Bank, SSB, and Third Coast Bancshares, Inc. (collectively the ?Bank?) as follows: 1. Separation of Employment and Resignation. Executive is being separated from employment with the Bank upon the

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 30, 2022 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Texas 001-41028 46-2135597 (State or other jurisdiction of incorporation) (Commission

Third Coast Bancshares, Inc.

Filed Pursuant to Rule 424(b)(3) Registration Statement No. 333-265235 PROSPECTUS SUPPLEMENT NO. 1 (to prospectus dated June 6, 2022) Third Coast Bancshares, Inc. This Prospectus Supplement No. 1 (this ?Prospectus Supplement?) supplements the prospectus dated June 6, 2022 (the ?Prospectus?) of Third Coast Bancshares, Inc., a Texas corporation (?we? or the ?Company?), that forms a part of the Regis

As filed with the Securities and Exchange Commission on July 1, 2022

As filed with the Securities and Exchange Commission on July 1, 2022 Registration No.

Third Coast Bank, SSB 401(k) and Employee Stock Ownership Plan

Exhibit 99.1 PRINCIPAL FINANCIAL GROUP ESOP/KSOP PRE-APPROVED PLAN Table of Contents Article 1 Plan Elections 1 Section 1.01 - New, Restated or Amended Plan 1 Section 1.02 - Employer 1 Section 1.03 - Plan Name and Plan Number 1 Section 1.04 - Effective Date 1 Section 1.05 - Yearly Date 1 Section 1.06 - Fiscal Year 2 Section 1.07 - Named Fiduciary 2 Section 1.08 - Plan Administrator 2 Section 1.09

Filing fee table.

EX-FILING FEES 6 d209944dexfilingfees.htm EX107 Exhibit 107 Calculation of Filing Fee Table Form S-8 (Form type) Third Coast Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Table I: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered(1) Proposed Maximum Offering Price Per Unit(2) Maximum Aggregate Offering Price Fee Rate Amo