NASDAQ : TCBS
Texas Community Bancshares, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 17.47 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 47.01M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 18.59M | 17.68M | 15.92M | 12.84M | 10.07M | 9.57M |
| Interest Income on Investments | 4.19M | 4.81M | 6.53M | 6.14M | 2.49M | 959.00K |
| Total Interest Income | 22.78M | 22.49M | 22.45M | 18.98M | 12.57M | 10.53M |
| Interest Paid on Deposits | 6.83M | 7.11M | 7.29M | 5.34M | 1.50M | 1.49M |
| Interest Paid on Borrowings | 2.02M | 2.07M | 2.61M | 2.57M | 787.00K | 626.00K |
| Total Interest Expense | 8.85M | 9.18M | 9.90M | 7.91M | 2.28M | 2.12M |
| Net Interest Income | 13.92M | 13.31M | 12.55M | 11.06M | 10.28M | 8.42M |
| Gain (Loss) on Sale of Assets | -287.00K | -1.00K | 6.00K | |||
| Gain (Loss) on Sale of Investments | 44.00K | 117.00K | 190.00K | -1.73M | -29.00K | |
| Other Non-Interest Income | 2.17M | 1.76M | 1.40M | 1.37M | 1.18M | 1.14M |
| Total Non-Interest Income | 3.47M | 3.08M | -1.90M | 352.00K | 1.87M | 1.72M |
| Revenues Before Loan Losses | 17.39M | 16.39M | 10.65M | 11.42M | 12.15M | 10.13M |
| Provision for Loan Losses | 870.00K | 831.00K | 158.00K | 356.00K | 208.00K | 50.00K |
| Revenue | 16.52M | 15.56M | 10.49M | 11.06M | 11.94M | 10.09M |
| Salaries and Employee Benefits | 5.84M | 5.67M | 5.86M | 6.35M | 5.50M | 4.94M |
| Occupancy Expenses | 1.18M | 1.10M | 1.10M | 835.00K | 769.00K | 725.00K |
| Selling, General & Administrative | 2.46M | 2.42M | 2.66M | 2.52M | 1.92M | 1.34M |
| Other Non-Interest Expense | 3.14M | 3.01M | 2.65M | 2.29M | 1.58M | 2.46M |
| Total Non-Interest Expense | 12.62M | 12.20M | 12.27M | 12.00M | 9.77M | 9.47M |
| EBT Excluding Unusual Items | 3.90M | 3.36M | -1.78M | -937.00K | 2.18M | 611.00K |
| Pretax Income | 3.90M | 3.36M | -1.78M | -937.00K | 2.18M | 611.00K |
| Income Tax Expense | 568.00K | 522.00K | -476.00K | -204.00K | 423.00K | 93.00K |
| Net Income | 3.33M | 2.84M | -1.30M | -733.00K | 1.75M | 518.00K |
| Net Income to Common | 3.33M | 2.84M | -1.30M | -733.00K | 1.75M | 518.00K |
| Basic Shares Outstanding | 2.63M | 2.73M | 2.92M | 3.06M | 3.03M | 3.00M |
| Diluted Shares Outstanding | 2.75M | 2.86M | 2.92M | 3.06M | 3.03M | 3.00M |
| EPS (Basic) | 1.27 | 1.04 | -0.45 | -0.24 | 0.58 | 0.17 |
| EPS (Diluted) | 1.21 | 1.00 | -0.45 | -0.24 | 0.58 | 0.17 |
| Dividend Per Share | 0.20 | 0.17 | 0.16 | 0.11 | ||
| Effective Tax Rate | 14.58% | 15.52% | 19.43% | 15.22% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 7.23M | 6.45M | 13.29M | 13.06M | 8.93M | 21.91M |
| Investment Securities | 28.70M | 26.04M | 32.20M | 34.54M | 37.22M | 44.30M |
| Trading Asset Securities | 419.00K | 115.00K | ||||
| Mortgage-Backed Securities | 55.47M | 57.65M | 74.81M | 97.11M | 99.82M | 61.14M |
| Total Investments | 84.17M | 83.69M | 107.42M | 131.76M | 137.03M | 105.44M |
| Gross Loans | 317.65M | 306.87M | 297.18M | 283.06M | 253.09M | 221.86M |
| Allowance for Loan Losses | -3.58M | -3.44M | -3.22M | -3.10M | -1.75M | -1.59M |
| Other Adjustments to Gross Loans | -228.00K | -247.00K | -28.00K | |||
| Net Loans | 314.08M | 303.20M | 293.71M | 279.93M | 251.34M | 220.27M |
| Property, Plant & Equipment | 13.58M | 11.46M | 11.53M | 11.61M | 6.71M | 6.69M |
| Other Intangible Assets | 132.00K | 265.00K | 397.00K | 529.00K | ||
| Accrued Interest Receivable | 1.99M | 1.89M | 1.92M | 1.73M | 1.33M | 931.00K |
| Long-Term Deferred Tax Assets | 1.58M | 1.81M | 2.69M | 2.43M | 2.30M | 651.00K |
| Other Real Estate Owned & Foreclosed | 9.10M | 9.27M | 480.00K | 162.00K | 209.00K | |
| Other Long-Term Assets | 12.62M | 12.07M | 12.29M | 11.10M | 9.30M | 8.20M |
| Total Assets | 444.35M | 429.84M | 443.46M | 452.04M | 417.35M | 364.83M |
| Accrued Expenses | 3.04M | 1.78M | 5.48M | 4.04M | 2.31M | 1.53M |
| Interest Bearing Deposits | 191.16M | 236.23M | 244.06M | 234.50M | 220.85M | 206.06M |
| Institutional Deposits | 97.20M | 45.80M | 50.30M | 37.20M | 29.40M | 28.30M |
| Non-Interest Bearing Deposits | 51.27M | 45.87M | 41.47M | 45.54M | 45.82M | 40.58M |
| Total Deposits | 339.63M | 327.90M | 335.83M | 317.24M | 296.08M | 274.93M |
| Current Portion of Long-Term Debt | 13.00M | |||||
| Current Portion of Leases | 146.00K | |||||
| Federal Home Loan Bank Debt, Long-Term | 46.46M | 32.67M | 49.88M | 76.90M | 62.49M | 27.57M |
| Long-Term Leases | 431.00K | 416.00K | 472.00K | |||
| Other Long-Term Liabilities | 156.00K | 166.00K | 175.00K | 184.00K | 192.00K | |
| Total Liabilities | 389.14M | 376.08M | 391.35M | 398.36M | 361.48M | 304.69M |
| Common Stock | 34.00K | 34.00K | 34.00K | 34.00K | 33.00K | 33.00K |
| Additional Paid-In Capital | 33.44M | 33.20M | 32.49M | 31.67M | 31.10M | 30.93M |
| Retained Earnings | 33.90M | 32.41M | 30.16M | 31.97M | 34.08M | 32.33M |
| Treasury Stock | -7.20M | -6.94M | -3.78M | -2.20M | ||
| Comprehensive Income & Other | -4.97M | -4.95M | -6.80M | -7.79M | -9.35M | -3.16M |
| Shareholders' Equity | 55.21M | 53.76M | 52.11M | 53.69M | 55.87M | 60.13M |
| Total Liabilities & Equity | 444.35M | 429.84M | 443.46M | 452.04M | 417.35M | 364.83M |
| Total Debt | 46.46M | 46.25M | 49.88M | 76.90M | 62.91M | 28.04M |
| Net Cash (Debt) | -30.91M | -34.29M | -26.45M | -51.42M | -51.93M | 8.83M |
| Net Cash Per Share | -11.23 | -12.01 | -9.07 | -16.79 | -17.15 | 2.94 |
| Filing Date Shares Outstanding | 2.69M | 2.70M | 2.86M | 2.97M | 3.14M | 3.01M |
| Total Common Shares Outstanding | 2.70M | 2.70M | 2.88M | 2.96M | 3.06M | 3.01M |
| Book Value Per Share | 20.41 | 19.92 | 18.07 | 18.16 | 18.24 | 19.98 |
| Tangible Book Value | 55.21M | 53.76M | 51.98M | 53.42M | 55.47M | 59.60M |
| Tangible Book Value Per Share | 20.41 | 19.92 | 18.02 | 18.07 | 18.11 | 19.80 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 3.33M | 2.84M | -1.30M | -733.00K | 1.75M | 518.00K |
| Depreciation & Amortization | 550.00K | 593.00K | 572.00K | 422.00K | 431.00K | 437.00K |
| Gain (Loss) on Sale of Assets | -505.00K | -476.00K | 328.00K | -31.00K | -48.00K | |
| Gain (Loss) on Sale of Investments | -113.00K | -256.00K | -122.00K | 1.69M | 450.00K | 443.00K |
| Provision for Credit Losses | 870.00K | 831.00K | 158.00K | 356.00K | 208.00K | 50.00K |
| Accrued Interest Receivable | -59.00K | 31.00K | -191.00K | -401.00K | -396.00K | 32.00K |
| Change in Other Net Operating Assets | 88.00K | -3.44M | -1.51M | 657.00K | 541.00K | 374.00K |
| Other Operating Activities | -41.00K | 383.00K | -820.00K | -390.00K | -108.00K | -299.00K |
| Operating Cash Flow | 4.87M | 1.37M | 1.94M | 2.29M | 3.13M | 1.76M |
| Capital Expenditures | -2.55M | -394.00K | -1.20M | -5.60M | -393.00K | -137.00K |
| Sale of Property, Plant and Equipment | 16.00K | |||||
| Investment in Securities | 28.07M | 25.70M | 25.50M | 5.37M | -40.04M | -45.60M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -29.57M | -19.12M | -15.42M | -29.86M | -31.27M | -7.05M |
| Other Investing Activities | -386.00K | 927.00K | -132.00K | -1.05M | -497.00K | -13.00K |
| Investing Cash Flow | -3.87M | 7.68M | 8.80M | -31.15M | -72.18M | -52.80M |
| Long-Term Debt Issued | 16.05M | 5.05M | 33.20M | 192.50M | ||
| Long-Term Debt Repaid | -20.26M | -32.07M | -18.80M | -157.58M | -3.20M | |
| Net Debt Issued (Repaid) | -2.77M | -4.21M | -27.02M | 14.40M | 34.92M | -3.20M |
| Issuance of Common Stock | 30.89M | |||||
| Repurchase of Common Stock | -2.08M | -3.16M | -1.58M | -2.20M | ||
| Common Dividends Paid | -667.00K | -593.00K | -504.00K | -368.00K | ||
| Net Increase (Decrease) in Deposit Accounts | 449.00K | -7.92M | 18.59M | 21.16M | 21.14M | 39.79M |
| Other Financing Activities | -2.61M | |||||
| Financing Cash Flow | -5.07M | -15.89M | -10.51M | 33.00M | 56.07M | 64.88M |
| Net Cash Flow | -4.07M | -6.84M | 230.00K | 4.13M | -12.99M | 13.84M |
| Free Cash Flow | 2.32M | 973.00K | 740.00K | -3.31M | 2.74M | 1.62M |
| Free Cash Flow Margin | 14.04% | 6.25% | 7.05% | -29.95% | 22.91% | 16.06% |
| Free Cash Flow Per Share | 0.84 | 0.34 | 0.25 | -1.08 | 0.90 | 0.54 |
| Cash Interest Paid | 8.91M | 9.25M | 9.92M | 7.73M | 2.08M | 2.17M |
| Cash Income Tax Paid | 165.00K | 178.00K | 120.00K | 350.00K | 320.00K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 47.01M | 48.90M | 43.99M | 42.12M | 46.96M | 46.56M |
| Last Close Price | 17.28 | 17.79 | 14.91 | 13.65 | 14.71 | 14.86 |
| PE Ratio | 14.41 | 17.21 | 26.77 | 89.88 | ||
| PS Ratio | 2.85 | 3.14 | 4.19 | 3.81 | 3.93 | 4.62 |
| PB Ratio | 0.85 | 0.91 | 0.84 | 0.79 | 0.84 | 0.77 |
| P/FCF Ratio | 20.26 | 50.26 | 59.44 | 17.16 | 28.74 | |
| P/OCF Ratio | 9.65 | 35.77 | 22.66 | 18.41 | 15.01 | 26.50 |
| Debt / Equity Ratio | 0.84 | 0.86 | 0.96 | 1.43 | 1.13 | 0.47 |
| Debt / FCF Ratio | 20.03 | 47.53 | 67.40 | 22.99 | 17.31 | |
| Net Debt / Equity Ratio | 0.56 | 0.64 | 0.51 | 0.96 | 0.93 | -0.15 |
| Net Debt / FCF Ratio | 13.32 | 35.24 | 35.74 | -15.52 | 18.98 | -5.45 |
| Return on Equity (ROE) | 6.16% | 5.37% | -2.47% | -1.34% | 3.02% | 1.12% |
| Return on Assets (ROA) | 0.75% | 0.65% | -0.29% | -0.17% | 0.45% | 0.16% |
| Earnings Yield | 6.94% | 5.81% | -2.97% | -1.74% | 3.74% | 1.11% |
| FCF Yield | 4.93% | 1.99% | 1.68% | -7.87% | 5.83% | 3.48% |
| Dividend Yield | 1.37% | 0.94% | 1.05% | 0.77% | ||
| Payout Ratio | 18.15% | 20.87% | ||||
| Buyback Yield / Dilution | 5.15% | 2.06% | 4.80% | -1.13% | -0.87% | |
| Total Shareholder Return | 6.52% | 2.99% | 5.85% | -0.36% | -0.87% |