Third Coast Bancshares Inc 2026年季度报告

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the quarterly period ended March 31, 2026OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the transition period from ____________ to _____________Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) 46-2135597(I.R.S. EmployerIdentification No.) Texas(State or other jurisdiction ofincorporation or organization)20202 Highway 59 North, Suite 190 Registrant’s telephone number, including area code: (281) 446-7000 Securities registered pursuant to Section 12(b) of the Act: Title of each classTradingSymbol(s)Name of each exchange on which registeredCommon Stock, par value $1.00 per shareTCBXNew York Stock ExchangeNYSE Texas Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) hasbeen subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant toRule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was requiredto submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and“emerging growth company” in Rule 12b-2 of the Exchange Act. Accelerated filer☒Smaller reporting company☐Emerging growth company☒ Large accelerated filer☐Non-accelerated filer☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No☒As of April 30, 2026, the registrant had 16,592,071 shares of common stock, par value $1.00 per share, outstanding. Table of Contents PART I.FINANCIAL INFORMATION Item 1.Financial Statements (unaudited)Consolidated Balance SheetsConsolidated Statements of IncomeConsolidated Statements of Comprehensive IncomeConsolidated Statements of Changes in Shareholders' EquityConsolidated Statements of Cash FlowsNotes to Unaudited Consolidated Financial StatementsItem 2.Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem 3.Quantitative and Qualitative Disclosures About Market RiskItem 4.Controls and Procedures PART II.OTHER INFORMATION Item 1.Legal Proceedings64Item 1A.Risk Factors64Item 2.Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities64Item 3.Defaults Upon Senior Securities64Item 4.Mine Safety Disclosures64Item 5.Other Information64Item 6.Exhibits65Signatures66 CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS This Quarterly Report on Form 10-Q contains “forward-looking statements” within the meaning of Section 27A of theSecurities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-lookingstatements reflect our current views with respect to, among other things, future events and our financial performance. Thesestatements are often, but not always, made through the use of words or phrases such as “may,” “should,” “could,” “predict,”“potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,”“projection,” “would” and “outlook,” or the negative version of those words or other comparable words or phrases of a future orforward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimatesand projections about our industry, management’s beliefs and certain assumptions made by management, many of which, by theirnature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements arenot guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Althoughwe believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results mayprove to be materially different from the results expressed or implied by the forward-looking statements. There are or will be important factors that could cause our actual results to differ materially from those indicated in theseforward-looking statemen