Third Coast Bancshares, Inc.

Greetings and welcome to the Third Coast Bank first quarter 2026 earnings conference call. At this time, all participants are in a listen-only mode. A question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. As a reminder, this conference is being recorded. It is now my pleasure to introduce Your host for today, Natalie Harrison, Investor Relations. Thank you. You may begin.

Thank you, Operator, and good morning, everyone. We appreciate you joining us for Third Coast BankShares Conference Call-In Webcast to review our first quarter 2026 results. With me today is Bart Carraway, Founder, Chairman, President, and Chief Executive Officer, John McWhorter, Chief Financial Officer, and Audrey Spaulding, Chief Credit Officer. First, a few housekeeping items. There will be a replay of today's call, and it will be available by webcast on the Investors section of our website at ir.thirdcoast.bank. There will also be a telephonic replay available until April 30th, and more information on how to access these replay features was included in yesterday's earnings release. Please note that the information reported on this call speaks only as of today, April 23rd, 2026, and therefore you are advised that time-sensitive information may no longer be accurate as of the time of any replay listening or transcript reading. In addition, the comments made by management during this conference call may contain forward-looking statements within the meaning of the United States federal securities laws. These forward-looking statements reflect the current views of management. However, various risks, uncertainties, and contingencies could cause actual results, performance, or achievements to differ materially from those expressed in the statements made by management. The listener or reader is encouraged to read the annual report on Form 10-K to better understand those risks, uncertainties, and contingencies. The comments made today will also include certain non-GAAP financial measures. Additional details and reconciliation to the most directly comparable GAAP financial measures were included in yesterday's earnings release, which can be found on the Third Coast website. Now, I would like to turn the call over to Third Coast founder, chairman, president, and CEO, Mr. Bart Caraway. Bart?

Good morning, everyone, and thank you, Natalie. Welcome to the TCBX first quarter 2026 earnings call. I'll begin by discussing the company's progress in the quarter. John will cover the financial performance in more detail. Then Audrey will provide a credit quality update. Then I'll close with a few thoughts on management's outlook. As we look at our first quarter, let's start with the broader context. This quarter marked a significant milestone for Third Coast, highlighted by a successful addition of Keystone Bank shares to our platform. The Keystone merger acquisition had a substantial impact on our results this quarter, driving solid growth in loans and deposits, expanding our customer base, and strengthening our presence in the key markets in Central Texas, which translated into an expanded balance sheet. Specifically, assets increased by 23.2%, loans by 19.5% and deposits by 23.5% from year end. Equally important is the strength of our underlying business. Our loan pipelines are robust, customer activity is healthy and the strategic investments we continue to make in our platform are already gaining traction. This includes enhancements to our leadership team and the purposeful build out of several key divisions. Within our corporate banking group, we have added seasoned best-in-class relationship bankers in Houston and Dallas, including experienced teams focused on select dedicated verticals. We also launched our asset-based lending platform, adding to our credit product suite. We believe these will be an important contributor to our loan growth and fee income. In addition, we have expanded our public funds and correspondent banking teams further diversifying our funding base and expanding our reach across Texas and beyond. While many of these teams are still early in the ramp-up, we believe these combined investments position us to drive organic growth at meaningful levels, reinforcing our long-term goals of scalability, disciplined growth, and sustainable profitability. Overall, we believe the first quarter demonstrates headway in building a stronger franchise. while staying true to our fundamentals that have consistently driven our success and performance. With that, I'll turn the call over to John to walk through the financial results and provide additional details on the quarter.