T
Texas Community Bancshares, Inc.
Period
FY 2025
Revenue
—
Net Income
$2.84M
Total Assets
$429.84M
Equity
$53.76M
Shares Out
2.89M
Op. Cash Flow
$1.37M
Business
Texas Community Bancshares, Inc. is a bank holding company that conducts operations through its wholly-owned subsidiary, Broadstreet Bank, a Texas-chartered savings bank. The bank accepts deposits and invests those deposits and borrowed funds primarily in residential real estate loans, commercial real estate loans, construction and land loans, and municipal loans, with a smaller portfolio of commercial and consumer loans. Broadstreet Bank operates seven offices in its primary market area in East Texas (Franklin, Hopkins, Smith, Van Zandt, and Wood counties) and serves customers throughout Texas.
Summary from 10-K filed 2026-03-25
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Loans, including fees | 18 | 16 | 13 | 10 | 10 | |
| Taxable | 4 | 4 | 5 | 2 | 741,000 | |
| Non taxable | 176,000 | 158,000 | 190,000 | 155,000 | 116,000 | |
| Dividends on restricted investments | 167,000 | 221,000 | 159,000 | 38,000 | 22,000 | |
| Federal funds sold | 207,000 | 671,000 | 187,000 | 99,000 | 24,000 | |
| Deposits with banks | 323,000 | 723,000 | 452,000 | 39,000 | 56,000 | |
| Financial derivative | −10,000 | 450,000 | 277,000 | — | — | |
| Total interest income | 22 | 22 | 19 | 13 | 11 | |
| Deposits | 7 | 7 | 5 | 1 | 1 | |
| Advances from FHLB | 2 | 3 | 3 | 777,000 | 615,000 | |
| Other | 9,000 | 10,000 | 9,000 | 10,000 | 11,000 | |
| Total interest expense | 9 | 10 | — | — | — | |
| Net Interest Income | 13 | 13 | 11 | 10 | 8 | |
| Provision for credit losses - loans | 736,000 | 269,000 | 329,000 | 208,000 | — | |
| Provision (Credit) for Credit Losses - off-balance sheet credit exposures | 95,000 | −111,000 | 27,000 | — | — | |
| Provision for Credit Losses | 831,000 | 158,000 | 356,000 | 208,000 | — | |
| Net Interest Income After Provision for Credit Losses | 12 | 12 | 11 | 10 | 8 | |
| Service charges on deposit accounts | 729,000 | 687,000 | 686,000 | 666,000 | 578,000 | |
| Other service charges and fees | 1 | 1 | 1 | 1 | 1 | |
| Net gain on securities transactions | 117,000 | 190,000 | — | — | — | |
| Net loss on sale of loans | — | −4 | — | — | — | |
| Net (loss) gain on sale of other real estate owned | −19,000 | 37,000 | 32,000 | 42,000 | — | |
| Fair value adjustments to other real estate owned | 495,000 | −78,000 | — | — | — | |
| Net loss on premises and equipment | — | −287,000 | −1,000 | — | — | |
| Net appreciation on bank-owned life insurance | 173,000 | 133,000 | 113,000 | 105,000 | 111,000 | |
| Gain on other investment | 198,000 | — | — | — | — | |
| Other income | 232,000 | 21,000 | 50,000 | 27,000 | 21,000 | |
| Total noninterest income (loss) | 3 | −2 | 352,000 | 2 | 2 | |
| Salaries and employee benefits | 7 | 7 | 7 | 6 | 5 | |
| Occupancy and equipment expense | 1 | 1 | 835,000 | 769,000 | 725,000 | |
| Data processing | 1 | 937,000 | 927,000 | 838,000 | 833,000 | |
| Technology expense | 298,000 | 435,000 | 473,000 | 399,000 | — | |
| Contract services | 262,000 | 265,000 | 289,000 | 184,000 | 547,000 | |
| Director fees | 248,000 | 304,000 | 399,000 | 383,000 | 306,000 | |
| Other expense | 3 | 2 | 2 | 1 | 2 | |
| Total noninterest expense | 12 | 12 | 12 | 10 | 9 | |
| Income (Loss) Before Income Taxes | 3 | −2 | −937,000 | 2 | 611,000 | |
| Income Tax Expense (Benefit) | 522,000 | −476,000 | −204,000 | 423,000 | 93,000 | |
| Net Income (Loss) | 3 | −1 | −733,000 | 2 | 518,000 | |
| Earnings (Loss) per share - basic (in dollars per share) | 1.04 | −0.45 | −0.24 | 0.58 | 0.17 | |
| Earnings (Loss) per share - diluted (in dollars per share) | 1 | −0.44 | −0.24 | 0.58 | 0.17 | |
| Weighted-average shares outstanding - basic (in shares) | 3 | 3 | 3 | 3 | 3 | |
| Weighted-average shares outstanding - diluted (in shares) | 3 | 3 | 3 | 3 | 3 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 4 | 4 | 5 | 7 | 6 | |
| Federal funds sold | 3 | 9 | 8 | 2 | 16 | |
| Cash and cash equivalents | 6 | 13 | 13 | 9 | 22 | |
| Interest bearing deposits in banks | 6 | 10 | 12 | 2 | 15 | |
| Securities available for sale | 60 | 75 | 93 | — | — | |
| Securities held to maturity, net of allowance for credit losses of $0 (fair values of $16,744 at December 31, 2025 and $19,531 at December 31, 2024) | 18 | 22 | — | — | — | |
| Loans receivable, net of allowance for credit losses of $3,440 at December 31, 2025 and $3,222 at December 31, 2024 | 302 | 292 | 280 | — | — | |
| Net investment in direct financing leases | 1 | 1 | 36,000 | 64,000 | 105,000 | |
| Accrued interest receivable | 2 | 2 | 2 | 1 | 931,000 | |
| Premises and equipment, net | 11 | 12 | 12 | 6 | 6 | |
| Bank-owned life insurance | 7 | 6 | 6 | 6 | 6 | |
| Other real estate owned | 9 | 480,000 | 162,000 | — | — | |
| Restricted investments carried at cost | 3 | 4 | 4 | 3 | 2 | |
| Core deposit intangible | — | 132,000 | 265,000 | 397,000 | 529,000 | |
| Deferred income taxes | 2 | 3 | 2 | 2 | 651,000 | |
| Financial derivative | — | 419,000 | 115,000 | — | — | |
| Other assets | 3 | 2 | 949,000 | 789,000 | 607,000 | |
| Total assets | 430 | 443 | 452 | 417 | 365 | |
| Noninterest bearing | 46 | 41 | 46 | 46 | 41 | |
| Interest bearing | 282 | 294 | 272 | 250 | 234 | |
| Total deposits | 328 | 336 | 317 | 296 | 275 | |
| Advances from Federal Home Loan Bank (FHLB) | 46 | 50 | 77 | 62 | 28 | |
| Accrued expenses and other liabilities | 3 | 6 | 4 | 3 | 2 | |
| Total liabilities | 376 | 391 | 398 | 361 | 305 | |
| Preferred stock, $0.01 par value, 1,000,000 shares authorized, none issued and outstanding | — | — | — | — | — | |
| Common stock, $0.01 par value, 19,000,000 shares authorized, 3,366,516 issued and 2,887,275 outstanding at December 31, 2025 and 3,370,425 issued and 3,088,152 outstanding at December 31, 2024 | 34,000 | 34,000 | 34,000 | 33,000 | 33,000 | |
| Additional paid in capital | 33 | 32 | 32 | 31 | — | |
| Retained earnings | 32 | 30 | 32 | 34 | 32 | |
| Accumulated other comprehensive loss | −3 | −5 | −6 | −7 | −686,000 | |
| Unearned Employee Stock Ownership Program (ESOP) shares, at cost | −2 | −2 | −2 | −2 | −2 | |
| Treasury stock, at cost (479,241 shares at December 31, 2025 and 282,273 shares at December 31, 2024) | −7 | −4 | −2 | — | — | |
| Total shareholders' equity | 54 | 52 | 54 | 56 | 60 | |
| Total liabilities and shareholders' equity | 430 | 443 | 452 | 417 | 365 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Net income (loss) | 3 | −1 | −733,000 | 2 | 518,000 | |
| Net (accretion) amortization of securities | −149,000 | 74,000 | −47,000 | 421,000 | 443,000 | |
| Depreciation and amortization | 593,000 | 572,000 | 422,000 | 431,000 | 437,000 | |
| Net unrealized gain on discontinued financial derivative | 463,000 | — | — | — | — | |
| Stock dividends on restricted investments | −155,000 | −211,000 | −49,000 | −28,000 | — | |
| Net increase on other investment | −157,000 | — | — | — | — | |
| ESOP compensation expense for allocated shares | 253,000 | 223,000 | 193,000 | 213,000 | 202,000 | |
| Loss (gain) on sale other real estate owned | 19,000 | −37,000 | — | — | — | |
| Stock-based compensation | 607,000 | 757,000 | 528,000 | 84,000 | — | |
| Deferred income tax expense (benefit) | 405,000 | −476,000 | −232,000 | 25,000 | −188,000 | |
| Loss on fair value adjustment of fair value hedges | 10,000 | −6,000 | 4,000 | — | — | |
| Accrued interest receivable | 31,000 | −191,000 | −401,000 | −396,000 | 32,000 | |
| Other assets | −229,000 | −724,000 | −160,000 | −174,000 | −56,000 | |
| Accrued expenses and other liabilities | −3 | −785,000 | 817,000 | 715,000 | 426,000 | |
| Net Cash from Operating Activities | 1 | 2 | 2 | 3 | 2 | |
| Net change in interest bearing deposits in banks | 4 | 3 | −10 | 13 | −940,000 | |
| Purchases | −54 | −19 | −10 | −75 | −79 | |
| Sales | 24 | 20 | 18 | 11 | — | |
| Maturities, prepayments and calls | 48 | 18 | 6 | 6 | 34 | |
| Maturities, prepayments and calls | 4 | 4 | 4 | 6 | 14 | |
| Redemptions of restricted investments | 1 | — | — | — | — | |
| Purchases of other investment | −169,000 | −132,000 | — | — | — | |
| Loan originations and principal collections, net | −19 | −37 | −30 | — | — | |
| Net decrease (increase) in net investment in direct financing leases | 73,000 | −1 | 28,000 | — | — | |
| Proceeds from sale of loans, originally classified as loans held for investment | — | 23 | — | — | — | |
| Proceeds from sales of other real estate owned | 568,000 | 56,000 | — | — | — | |
| Additions of premises and equipment | −394,000 | −1 | −6 | −393,000 | −137,000 | |
| Net Cash from Investing Activities | 8 | 9 | −31 | −72 | −53 | |
| Net (decrease) increase in deposits | −8 | 19 | 21 | 21 | 40 | |
| Advances from FHLB and other borrowings | 16 | 5 | 33 | 193 | — | |
| Payments on FHLB and other borrowings | −20 | −32 | −19 | −158 | −3 | |
| Cash dividends declared and paid | −593,000 | −504,000 | −368,000 | — | — | |
| Purchases of treasury stock | −3 | −2 | −2 | — | — | |
| Net Cash used for Financing Activities | −16 | −11 | 33 | 56 | 65 | |
| Net Change in Cash and Cash Equivalents | −7 | 230,000 | 4 | −13 | 14 |
Filings
Filing historySign up free to browse every 10-K, 10-Q, 8-K, and proxy this filer has submitted to the SEC.Sign up free · Upgrade to Pro
Material Events
Material EventsTrack every 8-K filing and material event — AI-summarized, timelined, and alertable.Sign up free · Upgrade to Pro
Insiders
Insider ActivitySee executive buy/sell windows and insider trade activity over rolling 30/90/365-day windows.Sign up free · Upgrade to Pro
Institutional Holders
Institutional HoldersSee which funds hold this stock and track position changes quarter over quarter.Sign up free · Upgrade to Pro
Frequently asked questions
What is Texas Community Bancshares, Inc.'s CIK number?
Texas Community Bancshares, Inc.'s SEC CIK number is 0001849466 (1849466). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Texas Community Bancshares, Inc.'s SEC filings?
All of Texas Community Bancshares, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did Texas Community Bancshares, Inc. last report earnings?
Texas Community Bancshares, Inc. (TCBS) most recently filed an earnings 8-K with the SEC on Apr 24, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001104659-26-048381). This is Texas Community Bancshares, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is Texas Community Bancshares, Inc.'s most recent earnings 8-K?
Texas Community Bancshares, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 24, 2026 under accession 0001104659-26-048381. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View Texas Community Bancshares, Inc.'s latest earnings 8-K →
Look up any company's CIK number →