NOTICE OF APPLICATION FOR MERGER OF BANKS Notice is hereby given that Third Coast Bank, 20202 Highway 59 North, Suite 190, Humble, Texas 77338, the wholly-owned subsidiary of Third Coast Bancshares, Inc., Humble, Texas, intends to file an application with the Board of Governors of the Federal Reserve System and Texas Department of Banking to merge with Keystone Bank, SSB, 13715 East Ladera Boulevard, Bee Cave, Texas 78738, the wholly-owned subsidiary of Keystone Bancshares, Inc., Bee Cave, Texas and to establish all of the offices of Keystone Bank, SSB as offices of Third Coast Bank. Third Coast Bank will be the resulting entity from the bank merger and the separate corporate existence of Keystone Bank, SSB will cease. Following the bank merger, Third Coast Bank will remain a wholly-owned subsidiary of Third Coast Bancshares, Inc. You are invited to submit comments in writing on this application to the Federal Reserve Bank of Dallas, P. O. Box 655906, Dallas, Texas 75265-5906 or via email to comments.applications@dal.frb.org. The comment period will not end before December 20, 2025. The Board's procedures for processing applications may be found at 12 C.F.R. Part 262. Procedures for processing protested applications may be found at 12 C.F.R. 262.25. To obtain a copy of the Federal Reserve Board's procedures, or if you need more information about how to submit your comments on the application, contact Lindsey Wieck, Director, Mergers & Acquisitions, at (214) 490-2183. The Federal Reserve will consider your comments and any request for a public meeting or formal hearing on the application if they are received in writing by the Reserve Bank on or before the last day of the comment period. Any person wishing to comment on this application, either for or against, may file written comments with the Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705-4294 on or before the 14th day after the date of this publication. Such comments will be made a part of the record before and considered by the banking commissioner. Any person wishing to formally protest and oppose the bank merger and participate in the application process may do so by filing a written notice of protest with the Texas Department of Banking on or before the 14th calendar day after the date of this publication accompanied by a protest filing fee of $2,500. The protest fee may be reduced or waived by the banking commissioner upon a showing of substantial hardship. November 20 2025 IPLAAS0112619