Results of Operations and Financial Condition. On July 22, 2026, Third Coast Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended June 30, 2026. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. In accordance with General Instruction B.2 of Form 8-K, the information in

Other Events. On July 13, 2026, Third Coast Bancshares, Inc. (the “Company”), a Texas corporation and the parent company of Third Coast Bank (the “Bank”), a Texas banking association, announced that it closed the sale of substantially all of the assets of Third Coast Commercial Capital, Inc. (“TCCC”), a wholly owned subsidiary of the Bank, to Gulf Coast Bank & Trust Company, effective as of June 25, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herei…

Other Events. On July 2, 2026, Third Coast Bancshares, Inc. (the “Company”) issued a press release announcing that the Company’s Board of Directors approved the continuation of its share repurchase program under which the Company may repurchase up to $30 million of the Company’s common stock through June 30, 2027. Management notified the Federal Reserve Bank of Dallas regarding the continuation of the repurchase program. A copy of the press release is attached hereto as Exhibit 99.1 and is in…

Other Events. On June 18, 2026, Third Coast Bancshares, Inc. issued a press release announcing that its Board of Directors declared a quarterly cash dividend of $17.0625 per share on it 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend is payable on July 15, 2026 to holders of record at the close of business on June 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference, including the cautionary language regarding…

The filing describes an amendment to the company's incentive plan, not a management change.

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

Entry into a Material Definitive Agreement. Effective March 10, 2026 (the “Effective Date”), Third Coast Bancshares, Inc. (the “Company”) entered into a Renewal, Extension and Modification of Loan (the “Amendment”) of the Loan Agreement, dated March 10, 2021, by and between the Company and American National Bank & Trust (the “Loan Agreement”). As of March 10, 2026, the Company had outstanding borrowings under the Loan Agreement of $54,875,000 and it had pledged all of the issued and outstandi…

Results of Operations and Financial Condition. On April 22, 2026, Third Coast Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended March 31, 2026. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. In accordance with General Instruction B.2 of Form 8-K, the information in

Other Events. On March 19, 2026, Third Coast Bancshares, Inc. issued a press release announcing that its Board of Directors declared a quarterly cash dividend of $16.875 per share on it 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend is payable on April 15, 2026 to holders of record at the close of business on March 31, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference, including the cautionary language regardi…

Class B director and Chairman – Austin Market of Third Coast Bank — Jeffrey A. Wilkinson: Jeffrey A. Wilkinson was appointed as a Class B director and will serve as Chairman – Austin Market of Third Coast Bank following the merger.

Completion of Acquisition or Disposition of Assets. On February 1, 2026, Third Coast Bancshares, Inc. (the “Company”), a Texas corporation and the parent company of Third Coast Bank (“Third Coast Bank”), a Texas banking association, completed its merger with Keystone Bancshares, Inc. (“Keystone”), a Texas corporation and the parent company of Keystone Bank, SSB (“Keystone Bank”), a Texas state savings bank, pursuant to the terms of the Agreement and Plan of Reorganization, dated as of October…

Results of Operations and Financial Condition. On January 21, 2026, Third Coast Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the quarter and year ended December 31, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. In accordance with General Instruction B.2 of Form 8-K, the information in

Other Events. On December 18, 2025, Third Coast Bancshares, Inc. issued a press release announcing that its Board of Directors declared a quarterly cash dividend of $17.25 per share on it 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend is payable on January 15, 2026 to holders of record at the close of business on December 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference, including the cautionary language…

Chief Risk and Operations Officer — Vicki Alexander: Ms. Vicki Alexander, the Chief Risk and Operations Officer, is retiring and resigning from her position.

Entry into a Material Definitive Agreement. Agreement and Plan of Reorganization On October 22, 2025, Third Coast Bancshares, Inc. (the “Company” or “Third Coast”), a Texas corporation and the parent company of Third Coast Bank (“Third Coast Bank”), a Texas banking association, entered into an Agreement and Plan of Reorganization (the “Agreement”), by and among the Company, Arch Merger Sub, Inc. (“Merger Sub”), a Texas corporation and a wholly owned subsidiary of the Company, and Keystone Ban…

Results of Operations and Financial Condition. On October 22, 2025, Third Coast Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended September 30, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. In accordance with General Instruction B.2 of Form 8-K, the information in

Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing. (d) Transfer of Listing On September 22, 2025, Third Coast Bancshares, Inc. (the “Company”), acting pursuant to authorization from its Board of Directors, provided written notice to The Nasdaq Stock Market LLC (“Nasdaq”) that it intends to voluntarily withdraw the principal listing of its common stock, par value $1.00 per share (“Common Stock”), from Nasdaq and transfer the listing of its Comm…

Other Events. On September 18, 2025, Third Coast Bancshares, Inc. issued a press release announcing that its Board of Directors declared a quarterly cash dividend of $17.25 per share on it 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend is payable on October 15, 2025 to holders of record at the close of business on September 30, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference, including the cautionary languag…

Results of Operations and Financial Condition. On July 23, 2025, Third Coast Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended June 30, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. In accordance with General Instruction B.2 of Form 8-K, the information in

Other Events. On June 26, 2025, Third Coast Bancshares, Inc. issued a press release announcing that its Board of Directors declared a quarterly cash dividend of $17.0625 per share on it 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend is payable on July 15, 2025 to holders of record at the close of business on June 30, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference, including the cautionary language regarding…

Other Events. On June 17, 2025, Third Coast Bancshares, Inc. (the “Company”) issued a press release announcing that the Company’s Board of Directors authorized a new share repurchase program under which the Company may repurchase up to $30 million of the Company’s common stock through May 22, 2026. Non-objection from the Federal Reserve Bank of Dallas related to the repurchase program was received June 16, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporate…

Results of Operations and Financial Condition. On April 23, 2025, Third Coast Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended March 31, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. In accordance with General Instruction B.2 of Form 8-K, the information in

Other Events. On March 20, 2025, Third Coast Bancshares, Inc. issued a press release announcing that its Board of Directors declared a quarterly cash dividend of $16.88 per share on it 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend is payable on April 15, 2025 to holders of record at the close of business on March 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference, including the cautionary language regardin…

Results of Operations and Financial Condition. On January 22, 2025, Third Coast Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the quarter and year ended December 31, 2024. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. In accordance with General Instruction B.2 of Form 8-K, the information in

Other Events. On December 19, 2024, Third Coast Bancshares, Inc. issued a press release announcing that its Board of Directors declared a quarterly cash dividend of $17.25 per share on it 6.75% Series A Convertible Non-Cumulative Preferred Stock. The dividend is payable on January 15, 2025 to holders of record at the close of business on December 31, 2024. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference, including the cautionary language…