On the Horizon
We are excited to begin officially transitioning Keystone Bank customers to Third Coast Bank. We know this will bring change, and we want you to feel informed, comfortable, and confident about what's ahead. Our team is here to help every step of the way. If you have questions or need assistance, please don't hesitate to reach out. We're committed to making this transition as smooth and seamless as possible.
As we move into June, we have begun sending important communications to our Keystone Bank customers outlining changes associated with our upcoming merger. A physical copy of these communications are being sent via US Postal Service with a reminder being sent via email to customers that include Important Dates at a Glance, Personal Banking Account Conversion Guide, and Business Banking Account Conversion Guide.
Important Dates at a Glance
Your conversion weekend timeline begins on Friday, July 17, 2026 and we will officially convert to Third Coast systems on Monday, July 20, 2026.
- All Keystone Bank branches will close at 3:00 pm on Friday, July 17 and open at normal hours on Monday, July 20.
- All Keystone Debit Cards and Digital Wallets will operate as normal over the weekend through Sunday, July 19 until 11:59 pm. Cards will deactivate at 12:00 am midnight. Set up your Third Coast Bank debit card on or before Monday, July 20.
- Keystone Online and Mobile Banking access will end at 4:00 pm on Friday, July 17 and you will login to Third Coast Online and Mobile on Monday, July 20 at 8:00 am.
Your Personal Banking Account Conversion Guide
This guide provides important details about your personal accounts. Inside you'll find specifics about your bank account transition and answers to many common questions. Click the link below to view the full guide.
Personal Account Conversion Guide
Your Business Banking Account Conversion Guide
This guide provides important details about your business accounts. Inside you'll find specifics about your bank account transition and answers to many common questions. Click the link below to view the full guide.
Business Account Conversion Guide
Digital Banking Guides ** Coming Soon **
Retail and Treasury Management Digital Banking Guides will be available by the beginning of July. Monitor your emails for your specific communications and check back here for additional updates.
Keystone Merger Announcement
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.
Please read our full press release here.
Stay up-to-date with Third Coast Bank and visit our On The Horizon page frequently for the latest announcements.