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Tectonic Financial, Inc. reported solid Q3 2025 performance with higher earnings and balance sheet growth. Net income was $5.5 million versus $4.7 million a year ago, and diluted EPS was $0.73 versus $0.58. Net interest income rose to $11.1 million from $8.4 million as loan yields and balances increased, while the provision for credit losses also rose to $2.0 million from $0.6 million.
Total assets reached $1.06 billion (from $863.4 million at year-end), supported by cash and equivalents of $164.0 million and net loans of $767.5 million. Deposits expanded to $911.9 million, led by time deposits at $654.1 million. Borrowed funds were $0, down from $10.0 million at year-end, with subordinated notes steady at $12.0 million.
Noninterest income was $12.0 million (vs. $11.2 million), while noninterest expense was $14.0 million (vs. $13.3 million). Credit metrics were mixed: the allowance increased to $12.5 million (from $9.2 million), and total non‑accrual loans rose to $29.4 million (from $15.9 million at year-end), reflecting pockets of stress alongside portfolio growth.
Tectonic Financial, Inc. declared two dividends. The Board approved a quarterly cash dividend of $0.2922614 per share on its 9.00% Series B Noncumulative Perpetual Preferred Stock for the period from August 15, 2025 to November 17, 2025. The Board also declared a $0.10 per share cash dividend on common stock. Both dividends are payable on November 17, 2025 to shareholders of record as of November 7, 2025.
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