Third Coast Bancshares, Inc. Loan Agreement Renewal

Third Coast Bancshares, Inc. has entered into a Renewal, Extension and Modification of Loan agreement with American National Bank & Trust. The agreement, effective March 10, 2026, extends the maturity date of the loan from March 10, 2026, to March 10, 2028. The maximum commitment under the loan has been increased from $55,000,000 to $70,000,000. As of March 10, 2026, the outstanding borrowings under the loan were $54,875,000, with the issued and outstanding stock of Third Coast Bank pledged as collateral. The company has affirmed all representations and warranties related to the loan and released the lender from any obligations or liabilities associated with the loan documents up to the effective date.