Third Coast Bancshares, Inc.: directors' dealings · United States · SEC (Form 4)

About Third Coast Bancshares, Inc.

Third Coast Bancshares, Inc. (ticker: TCBX) is a U.S.-listed regional banking company traded on the NYSE and NYSE Texas, operating in the United States through its wholly owned subsidiary, Third Coast Bank. The group is a Texas-based bank holding company with a clear commercial-banking focus, serving businesses and, to a lesser extent, consumers across key growth markets in Texas. Its strategy is built around relationship banking, local decision-making, and a branch network concentrated in major metropolitan areas rather than a broad national footprint. The company’s roots date back to 2008, when Third Coast Bank was founded in Humble, Texas, by local organizers seeking to build a community-oriented bank with a strong service culture. Third Coast Bancshares, Inc. was formed later, in 2013, as the holding company above the bank. Since inception, the franchise has emphasized a blend of personal service, community involvement, and a more entrepreneurial commercial lending model, aiming to differentiate itself from larger, more centralized competitors. Third Coast’s core business lines include commercial banking services, deposit gathering, commercial and industrial lending, commercial real estate lending, treasury and transaction services, and digital banking capabilities. The bank also provides traditional consumer banking products, but the strategic emphasis remains on serving business clients, owners, and professionals who value direct access to bankers and localized credit expertise. This positioning is important in a state like Texas, where business formation, population growth, and commercial real-estate demand have historically supported bank expansion. Geographically, Third Coast’s franchise is concentrated in Texas, particularly in the Greater Houston, Dallas-Fort Worth, Austin, and San Antonio markets. Following the completion of its merger with Keystone Bancshares on February 1, 2026, the company expanded its branch footprint to 22 branches and strengthened its presence across the state. Management also indicated that the combined company has pro forma assets above $6 billion, underscoring the increased scale of the platform after integration. Recent company highlights include the October 2025 announcement of the Keystone acquisition and the subsequent closing in early 2026. The company’s January 2026 year-end results showed record annual net income and improved profitability metrics, which investors may view as evidence of operating momentum ahead of merger integration. Overall, TCBX remains a Texas-focused commercial bank with a conservative geographic model, a relationship-led lending franchise, and a growth story increasingly tied to disciplined M&A execution and deeper penetration of high-growth Texas markets.