Third Coast Bank (TCBX) is a public company. Welcome to Third Coast Bank, where we are charting the course to success for Texas business.

Third Coast Bank was launched in 2008 by a group of local entrepreneurs with a passion for supporting the business community along the Texas Gulf Coast. Since then, our bank has grown to $6.5 billion in assets, with over 400 employees, and 21 locations. We've expanded to serve more Texas communities while maintaining our focus on responsive service and long-lasting relationships.

HOW WE SERVE CLIENTS

We provide working capital for businesses to build, expand, and remodel facilities, purchase equipment, and refinance/restructure existing loans. As an independent bank with local decision-making ability, we tailor each loan to the needs of our clients—getting deals done faster. We also offer banking services from mobile access to treasury management. Let us know how we can help move your business forward.

AT THIRD COAST BANK...

• We anticipate your needs and exceed your expectations. • We build sustainable partnerships. • We maintain the highest ethical standards. • We respond to the concerns of our community. • We respect the fact that you have a choice when choosing your bank.

EMPLOYMENT OPPORTUNITIES: WELCOME ABOARD

As a local job-creator, Third Coast Bank invites client-focused, growth-oriented professionals to become valued members of our crew. We are determined to reach our full potential, ensuring all team members are empowered to provide exceptional service and reach their professional goals. Thanks for joining us! Founded in 2008. It has 402 employees. IPO 2021.

Transcript

Operator

As a reminder, this conference is being recorded. It is now my pleasure to introduce your host, Natalie Hairston, Investor Relations. Thank you. You may begin.

Natalie Hairston — EVP of Investor Relations

Good morning, and thank you for joining us for Third Coast Bancshares' second quarter 2026 earnings conference call. With me today is Bart Caraway, Founder, Chairman, President, and Chief Executive Officer, John McWhorter, Chief Financial Officer, and Audrey Duncan, Chief Credit Officer. First, a few housekeeping items. There will be a replay of today's call, and it will be available by webcast on the investor section of our website at ir.thirdcoast.bank. There will also be a call replay available until July 30th, and more information on how to access these