Third Coast Bank Merger
Third Coast Bancshares, Inc. and Keystone Bancshares, Inc. Announce Definitive Merger Agreement
Once completed, Combined Total Assets to Exceed $6 Billion
HOUSTON and AUSTIN, TX – October 22, 2025 – Third Coast Bancshares, Inc. (“Third Coast”) (NYSE & NYSE Texas: TCBX), the parent company of Third Coast Bank, and Keystone Bancshares, Inc. (“Keystone”), the parent company of Keystone Bank, SSB (“Keystone Bank”), today jointly announced the signing of a definitive merger agreement pursuant to which Third Coast will acquire Keystone in a stock and cash transaction valued at approximately $123 million based on Third Coast’s closing stock price as of October 21, 2025. Once the transaction is completed, the combined company will have pro forma total assets in excess of $6 billion.
Pursuant to the terms of the merger agreement, the combined company will operate under the Third Coast name and brand. The partnership presents a unique opportunity to combine two culturally aligned community banks and strengthen Third Coast’s position in the greater Austin market. Keystone Bank, headquartered in Austin, Texas, operates two branches in the Austin market, one branch in Ballinger, Texas, and one loan production office in Bastrop, Texas.
Read The Full Press Release Here
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- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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- Annual Percentage Yield (APY)0.000%
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- Estimated monthly payment $0
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Keystone Rewards Checking*
| Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 0 - $50,000 | 4.649% | 4.75% |
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| Qualifications not met | 0.05% | 0.05% |
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Keystone Rewards Savings*
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $100,000 | 3.928% | 4.00% |
| $100,000+ | 0.50% | 2.25% to 4.00% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for your Keystone Rewards Checking or Keystone Cash Back Checking® rewards automatically qualifies you for the highest Keystone Rewards Savings® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Keystone Rewards Checking or Keystone Cash Back Checking account during each Monthly Qualification Cycle:
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