Shareholders’ Equity and Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2024

Stockholders' Equity Note [Abstract]

Schedule of Comparison of the Actual Capital Amounts and Ratios

A comparison of actual capital amounts and ratios to required capital amounts and ratios for the Company and Bank are presented in the following table. Capital levels required to be well capitalized are based upon prompt corrective action regulations.

	Actual					For Capital Adequacy Purposes						To Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)	Amount		Ratio			Amount			Ratio			Amount			Ratio
THIRD COAST BANCSHARES, INC. (Consolidated)
As of June 30, 2024:
Total capital (to risk weighted assets)	$	532,849		12.78	%	≥	$	437,756	≥	10.50	%		N/A			N/A
Tier 1 capital (to risk weighted assets)	$	411,870		9.88	%	≥	$	354,374	≥	8.50	%		N/A			N/A
Tier 1 capital (to average assets)	$	411,870		9.24	%	≥	$	178,275	≥	4.00	%		N/A			N/A
Common equity tier 1 (to risk weighted assets)	$	345,645		8.29	%	≥	$	291,837	≥	7.00	%		N/A			N/A
As of December 31, 2023:
Total capital (to risk weighted assets)	$	512,024		12.66	%	≥	$	424,563	≥	10.50	%		N/A			N/A
Tier 1 capital (to risk weighted assets)	$	392,037		9.70	%	≥	$	343,694	≥	8.50	%		N/A			N/A
Tier 1 capital (to average assets)	$	392,037		9.23	%	≥	$	169,917	≥	4.00	%		N/A			N/A
Common equity tier 1 (to risk weighted assets)	$	325,812		8.06	%	≥	$	283,042	≥	7.00	%		N/A			N/A
THIRD COAST BANK
As of June 30, 2024:
Total capital (to risk weighted assets)	$	561,184		13.49	%	≥	$	436,918	≥	10.50	%	≥	$	416,112	≥		10.00	%
Tier 1 capital (to risk weighted assets)	$	520,861		12.52	%	≥	$	353,695	≥	8.50	%	≥	$	332,890	≥		8.00	%
Tier 1 capital (to average assets)	$	520,861		11.71	%	≥	$	177,976	≥	4.00	%	≥	$	222,470	≥		5.00	%
Common equity tier 1 (to risk weighted assets)	$	520,861		12.52	%	≥	$	291,278	≥	7.00	%	≥	$	270,473	≥		6.50	%
As of December 31, 2023:
Total capital (to risk weighted assets)	$	544,624		13.49	%	≥	$	423,829	≥	10.50	%	≥	$	403,647	≥		10.00	%
Tier 1 capital (to risk weighted assets)	$	505,190		12.52	%	≥	$	343,100	≥	8.50	%	≥	$	322,918	≥		8.00	%
Tier 1 capital (to average assets)	$	505,190		11.91	%	≥	$	169,649	≥	4.00	%	≥	$	212,062	≥		5.00	%
Common equity tier 1 (to risk weighted assets)	$	505,190		12.52	%	≥	$	282,553	≥	7.00	%	≥	$	262,371	≥		6.50	%