Shareholders’ Equity and Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2025

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 September 30,2025
Total capital (to risk weighted assets)	$	609,476		12.90	%	≥	$	496,174	≥	10.50	%		N/A			N/A
Tier 1 capital (to risk weighted assets)	$	484,235		10.25	%	≥	$	401,665	≥	8.50	%		N/A			N/A
Tier 1 capital (to average assets)	$	484,235		9.55	%	≥	$	202,743	≥	4.00	%		N/A			N/A
Common equity tier 1 (to risk weighted assets)	$	418,075		8.85	%	≥	$	330,783	≥	7.00	%		N/A			N/A
As of December 31, 2024
Total capital (to risk weighted assets)	$	559,871		12.68	%	≥	$	463,735	≥	10.50	%		N/A			N/A
Tier 1 capital (to risk weighted assets)	$	437,369		9.90	%	≥	$	375,405	≥	8.50	%		N/A			N/A
Tier 1 capital (to average assets)	$	437,369		9.12	%	≥	$	191,793	≥	4.00	%		N/A			N/A
Common equity tier 1 (to risk weighted assets)	$	371,209		8.41	%	≥	$	309,157	≥	7.00	%		N/A			N/A
THIRD COAST BANK
As of September 30,2025
Total capital (to risk weighted assets)	$	639,050		13.53	%	≥	$	495,833	≥	10.50	%	≥	$	472,222	≥		10.00	%
Tier 1 capital (to risk weighted assets)	$	594,722		12.59	%	≥	$	401,389	≥	8.50	%	≥	$	377,778	≥		8.00	%
Tier 1 capital (to average assets)	$	594,722		11.75	%	≥	$	202,508	≥	4.00	%	≥	$	253,135	≥		5.00	%
Common equity tier 1 (to risk weighted assets)	$	594,722		12.59	%	≥	$	330,555	≥	7.00	%	≥	$	306,944	≥		6.50	%
As of December 31, 2024
Total capital (to risk weighted assets)	$	586,569		13.29	%	≥	$	463,262	≥	10.50	%	≥	$	441,202	≥		10.00	%
Tier 1 capital (to risk weighted assets)	$	544,826		12.35	%	≥	$	375,021	≥	8.50	%	≥	$	352,961	≥		8.00	%
Tier 1 capital (to average assets)	$	544,826		11.37	%	≥	$	191,606	≥	4.00	%	≥	$	239,507	≥		5.00	%
Common equity tier 1 (to risk weighted assets)	$	544,826		12.35	%	≥	$	308,841	≥	7.00	%	≥	$	286,781	≥		6.50	%