Here are the 10-K annual reports from Texas Community Bancshares, Inc. (TCBS) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow TCBS and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full TCBS filings page.
Texas Community Bancshares, Inc. is a Texas-focused community bank holding company with $429.8 million in assets, $303.2 million in net loans and $327.9 million in deposits as of December 31, 2025. Lending is concentrated in one- to four-family residential mortgages ($140.4 million, 45.8% of loans), commercial real estate ($61.5 million), and construction and land loans ($48.4 million), with growing exposure to Dallas–Fort Worth borrowers.
Credit quality has weakened: nonperforming assets rose to $11.4 million, or 2.65% of total assets, driven by $9.3 million of real estate owned. Nonaccrual loans totaled $2.0 million. The allowance for credit losses was $3.44 million, equal to 1.12% of total loans and 161% of nonperforming loans, after $736,000 of provision expense and net charge-offs of 0.17% of average loans.
The bank is funded mainly by core deposits, with noninterest-bearing deposits of $45.9 million and certificates of deposit of $133.8 million; uninsured deposits were $45.8 million. Borrowings include $45.7 million in Federal Home Loan Bank advances and $100.3 million of unused FHLB capacity. The company also manages a securities portfolio of available-for-sale and held-to-maturity mortgage-backed, municipal, corporate and agency securities.