Welcome to our dedicated page for Texas Community Bancshares SEC filings (Ticker: TCBS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Texas Community Bancshares, Inc.'s SEC filings document the public-company reporting of a bank holding company for Broadstreet Bank, SSB. The filings include current reports on unaudited consolidated financial results, stock repurchase authorizations, dividend-related capital returns and executive officer transitions, as well as exhibits containing company press releases.
Proxy and periodic disclosure materials address governance, shareholder voting matters, balance-sheet management, loan and deposit pricing, non-core funding, technology and compliance initiatives, and asset-quality subjects including real-estate-owned collateral. The filings also identify the company as an emerging growth company and describe the regulatory framework for its common stock as a Nasdaq-listed community banking issuer.
Texas Community Bancshares, Inc. announced that its board of directors has approved a new stock repurchase program authorizing the company to buy back up to 144,364 shares of its common stock, equal to approximately 5% of its outstanding shares as of December 16, 2025.
The company also reported that, as of the same date, it had completed the prior repurchase program, having bought back 153,083 shares of its common stock. These repurchases reduce the number of shares available in the market, which can increase each remaining shareholder’s ownership percentage.
Texas Community Bancshares (TCBS) announced a CFO transition. Julie Sharff will retire as Chief Financial Officer effective at the close of business on December 1, 2025. She will remain a full‑time employee as Senior Vice President through February 20, 2026, then serve as a consultant through May 8, 2026. During the transition, she will receive her current base salary through December 31, 2025, $20,000 total for January–February 2026, COBRA reimbursements for up to 12 months if elected, and a $100,000 lump‑sum after executing a release. Consulting fees include two installments of $25,000 each, subject to reduction upon a specified restatement condition tied to a date in 2026.
Jason McCrary, CPA, will become CFO effective upon Sharff’s retirement. McCrary’s employment agreement starts on December 1, 2025 with an initial one‑year term, renewing annually, and an automatic two‑year runway upon a change in control. His annual base salary is $150,000, with eligibility for bonuses and benefits. Severance includes lump‑sum payments of accrued amounts plus remaining‑term pay (and COBRA reimbursements) for certain terminations, and two times base salary and average bonus if terminated within two years following a change in control.
Texas Community Bancshares (TCBS) reported higher profitability in Q3 2025. Net income was $680 thousand versus $515 thousand a year ago, and year‑to‑date net income reached $2.0 million compared with a loss of $1.8 million in 2024. Net interest income was $3.28 million for the quarter and $9.78 million year‑to‑date.
Credit costs rose as provision for credit losses increased to $487 thousand in Q3 and $558 thousand year‑to‑date, partly offset by lower interest expense year‑to‑date. Noninterest income improved to $1.13 million in Q3, aided by fair value adjustments on other real estate owned (OREO); OREO rose to $9.27 million from $480 thousand at year‑end. Noninterest expense was $3.15 million in Q3.
Total assets were $439.5 million. Loans receivable, net, were $283.7 million and deposits totaled $334.2 million. Unrealized losses on securities narrowed as accumulated other comprehensive loss improved to $(3.26) million. The company repurchased 62,000 shares in Q3 and 146,500 year‑to‑date, and declared a $0.04 per share dividend in Q3. Shares outstanding were 2,914,743 as of November 5, 2025.
AllianceBernstein L.P. reports beneficial ownership of 157,682 shares of Texas Community Bancshares common stock, representing 5.2% of the class. The filing states these shares are held with sole voting and sole dispositive power and were acquired solely for investment purposes on behalf of client discretionary advisory accounts.
The reporting person is identified as an investment adviser organized in Delaware and discloses that AllianceBernstein operates under independent management despite majority ownership by Equitable Holdings. The filing indicates no shared voting or dispositive power and records no group affiliation or subsidiary acquisition for this position. The filer certifies the securities were acquired in the ordinary course of business and not to influence control of the issuer.