The thing with moving quickly through water was you wanted as little drag as possible, skin moved a lot faster and he hadn't really thought about it before taking off his shirt. She hadn't really gone under for more than a few seconds, but he still wanted to get her out of the water as quick as possible. As Kate stumbled in the shallow water he held to her more firmly ready to lift her if he needed to.
"Nothing to be embarrassed about," Steve assured her as he pushed her hair back a little to make sure she was actually alright. At least the firm grip she had on him was reassuring.
He helped her the rest of the way, back onto dry land and only then did he let her go. Steve turned back watching her clothes floating far and wide. "And no need to thank me," Steve added before he headed back out to rescue what he could. They didn't have an abundance of things and clothes were a luxury he was sure she wouldn't want to lose.