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Shareholders’ Equity and Regulatory Matters (Tables)
6 Months Ended
Jun. 30, 2023
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. The Company began reporting ratios beginning March 31, 2023 in accordance with the regulatory framework. Capital levels required to be well capitalized are based upon prompt corrective action regulations, as amended, to reflect the changes under the Basel III Capital Rules.

 

 

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, 2023:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk weighted assets)

 

$

495,926

 

 

 

12.31

%

 

$

422,855

 

 

 

10.50

%

 

 

N/A

 

 

 

N/A

 

Tier I capital (to risk weighted assets)

 

$

378,232

 

 

 

9.39

%

 

$

342,312

 

 

 

8.50

%

 

 

N/A

 

 

 

N/A

 

Tier I capital (to average assets)

 

$

378,232

 

 

 

10.17

%

 

$

148,807

 

 

 

4.00

%

 

 

N/A

 

 

 

N/A

 

Common equity tier 1 (to risk weighted assets)

 

$

312,007

 

 

 

7.75

%

 

$

281,904

 

 

 

7.00

%

 

 

N/A

 

 

 

N/A

 

THIRD COAST BANK, SSB

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of June 30, 2023:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk weighted assets)

 

$

522,418

 

 

 

12.99

%

 

$

422,302

 

 

 

10.50

%

 

$

402,192

 

 

 

10.00

%

Tier I capital (to risk weighted assets)

 

$

485,175

 

 

 

12.06

%

 

$

341,864

 

 

 

8.50

%

 

$

321,754

 

 

 

8.00

%

Tier I capital (to average assets)

 

$

485,175

 

 

 

13.06

%

 

$

148,624

 

 

 

4.00

%

 

$

185,780

 

 

 

5.00

%

Common equity tier 1 (to risk weighted assets)

 

$

485,175

 

 

 

12.06

%

 

$

281,535

 

 

 

7.00

%

 

$

261,425

 

 

 

6.50

%

As of December 31, 2022:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk weighted assets)

 

$

496,222

 

 

 

13.79

%

 

$

377,782

 

 

 

10.50

%

 

$

359,793

 

 

 

10.00

%

Tier I capital (to risk weighted assets)

 

$

465,871

 

 

 

12.95

%

 

$

305,824

 

 

 

8.50

%

 

$

287,834

 

 

 

8.00

%

Tier I capital (to average assets)

 

$

465,871

 

 

 

13.11

%

 

$

142,188

 

 

 

4.00

%

 

$

177,734

 

 

 

5.00

%

Common equity tier 1 (to risk weighted assets)

 

$

465,871

 

 

 

12.95

%

 

$

251,855

 

 

 

7.00

%

 

$

233,865

 

 

 

6.50

%