Texas Community Bancshares, Inc. (TCBS) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2025, Texas Community Bancshares reported revenue of $16.4M, up 54.0% from $10.6M the year before. Net income was $2.8M (a 17.3% net margin), or $1.00 per diluted share. Net interest income was $13.3M, and the efficiency ratio (noninterest expense / revenue) was 74.4%. Operating activities generated $1.4M of cash, leaving $973,000 of free cash flow. At fiscal year end, Texas Community Bancshares held $429.8M in total assets against $376.1M in total liabilities.
Open the full interactive Texas Community Bancshares financials → Quarterly statements, key ratios, valuation history and price charts.
Texas Community Bancshares Key Stats
| Share Price | $17.00 |
|---|---|
| Market Cap | $46.6M |
| P/E Ratio | 17.0 |
| Dividend Yield | 1.43% |
| Revenue YoY Growth | +54.0% |
| 52-Week Range | $15.52 – $18.42 |
| Shares Outstanding | 2.7 million (basic, 2026 Q2) |
Texas Community Bancshares Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Net Interest Income | $8.4M | $10.3M | $11.1M | $12.6M | $13.3M |
| Provision for Credit Losses | $50,000 | $208,000 | $356,000 | $158,000 | $831,000 |
| Noninterest Income | $1.7M | $1.9M | $352,000 | -$1.9M | $3.1M |
| Noninterest Expense | $9.5M | $9.8M | $12.0M | $12.3M | $12.2M |
| Revenue | $10.1M | $12.2M | $11.4M | $10.6M | $16.4M |
| Pre-Tax Income | $611,000 | $2.2M | -$937,000 | -$1.8M | $3.4M |
| Income Tax | $93,000 | $423,000 | -$204,000 | -$476,000 | $522,000 |
| Net Income | $518,000 | $1.8M | -$733,000 | -$1.3M | $2.8M |
| Diluted EPS | $0.17 | $0.58 | -$0.24 | -$0.44 | $1.00 |
Texas Community Bancshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $4.4M | $4.4M | $4.1M | $4.4M |
| Net Income | $680,000 | $841,000 | $836,000 | $970,000 |
| Diluted EPS | $0.24 | $0.29 | $0.31 | $0.35 |
Texas Community Bancshares Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Loans (Net) | $220.3M | $251.3M | $279.9M | $293.7M | $303.2M |
| Total Assets | $364.8M | $417.3M | $452.0M | $443.5M | $429.8M |
| Deposits | $274.9M | $296.1M | $317.2M | $335.8M | $327.9M |
| Total Long-Term Debt | $27.6M | $62.5M | $76.9M | $49.9M | $45.7M |
| Total Liabilities | $304.7M | $361.5M | $398.4M | $391.3M | $376.1M |
| Shareholders' Equity | $60.1M | $55.9M | $53.7M | $52.1M | $53.8M |
Texas Community Bancshares Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash From Operations | $1.8M | $3.1M | $2.3M | $1.9M | $1.4M |
| Cash From Investing | -$52.8M | -$72.2M | -$31.2M | $8.8M | $7.7M |
| Cash From Financing | $64.9M | $56.1M | $33.0M | -$10.5M | -$15.9M |
| Free Cash Flow | $1.6M | $2.7M | -$3.3M | $740,000 | $973,000 |
| Dividends Paid | — | — | $368,000 | $504,000 | $593,000 |
Figures from Texas Community Bancshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Texas Community Bancshares financials page for every line item.
Texas Community Bancshares Company Profile
| Ticker | TCBS |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Mineola, Texas |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company, emerging growth company |
| SEC CIK | 0001849466 |
Frequently Asked Questions
What was Texas Community Bancshares' revenue in fiscal 2025?
Texas Community Bancshares (TCBS) reported revenue of $16.4M for fiscal 2025.
What is Texas Community Bancshares' annual revenue history?
Texas Community Bancshares' annual revenue by fiscal year: 2021: $10.1M; 2022: $12.2M; 2023: $11.4M; 2024: $10.6M; 2025: $16.4M.
What was Texas Community Bancshares' net income in fiscal 2025?
Texas Community Bancshares reported net income of $2.8M for fiscal 2025.
What was Texas Community Bancshares' earnings per share (EPS) in fiscal 2025?
Texas Community Bancshares' diluted EPS was $1.00 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Texas Community Bancshares generate in fiscal 2025?
Texas Community Bancshares generated $973,000 of free cash flow in fiscal 2025.
What was Texas Community Bancshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), Texas Community Bancshares reported revenue of $4.4M.
How much debt does Texas Community Bancshares have?
Texas Community Bancshares reported $45.7M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Texas Community Bancshares are outstanding?
Texas Community Bancshares reported a weighted average of 2.7 million basic shares outstanding in 2026 Q2.
What is Texas Community Bancshares' market cap?
Based on its latest closing price, Texas Community Bancshares (TCBS) has a market capitalization of about $46.6M.
When does Texas Community Bancshares' fiscal year end?
Texas Community Bancshares' fiscal year end, as registered with the SEC, is December 31.
Where is Texas Community Bancshares headquartered?
Texas Community Bancshares lists its business address in Mineola, Texas in its SEC filings.
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