Tectonic CFO receives 5,000-share equity grant

Rhea-AI Filing Summary

Tectonic Financial, Inc. reported that its Chief Financial Officer, Michelle Kay Baird, acquired 5,000 shares of common stock on January 5, 2026, in a transaction reported at a price of $0 per share. After this transaction, she beneficially owned a total of 67,740 shares of the company’s common stock in direct ownership. The filing notes that these holdings include restricted stock units that can only be settled in an equal number of common shares and are subject to vesting and forfeiture conditions, meaning some shares will be earned over time and could be lost if conditions are not met.

Insider Trade Summary

Net Buyer: 5,000 shares

Net Buy 1 txn

Insider Baird Michelle Kay

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	5,000	$0.00	$0.00

Holdings After Transaction: Common Stock — 67,740 shares (Direct)

Footnotes (1)

1. F1. The shares reported include restricted stock units that may be settled only by delivery of an equal number of shares of common stock and which are subject to vesting and forfeiture conditions.

FAQ

What insider transaction did Tectonic Financial (TECTP) report in this Form 4?

The company reported that its Chief Financial Officer, Michelle Kay Baird, acquired 5,000 shares of Tectonic Financial, Inc. common stock on January 5, 2026 in a transaction coded as an acquisition ("A").

At what price were the 5,000 Tectonic Financial (TECTP) shares acquired?

The 5,000 common shares reported for Michelle Kay Baird were acquired at a reported price of $0 per share, indicating they were awarded rather than bought in the open market.

How many Tectonic Financial (TECTP) shares does the CFO own after this transaction?

Following the reported transaction, Chief Financial Officer Michelle Kay Baird beneficially owned 67,740 shares of Tectonic Financial, Inc. common stock in direct ownership.

Are the CFO’s Tectonic Financial (TECTP) shares subject to vesting conditions?

Yes. A footnote states that the reported shares include restricted stock units that may be settled only by delivery of an equal number of common shares and are subject to vesting and forfeiture conditions.

Does this Form 4 reflect a purchase or an equity award for Tectonic Financial’s CFO?

The transaction is coded as an acquisition ("A") with a price of $0 per share, and the footnote references restricted stock units, indicating this reflects an equity award rather than an open-market purchase.

Is Michelle Kay Baird a major shareholder or primarily an officer at Tectonic Financial (TECTP)?

According to the filing, Michelle Kay Baird is reported as an officer of Tectonic Financial, Inc., serving as Chief Financial Officer, and is not marked as a 10% owner.

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Accepted by SEC EDGAR 01/07/2026 - 08:04 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Baird Michelle Kay

(Last) (First) (Middle)

16200 DALLAS PARKWAY

SUITE 190

(Street)

DALLAS TX 75248

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Tectonic Financial, Inc. [ TECTP ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
01/05/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/05/2026		A		5,000	A	$0	67,740(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The shares reported include restricted stock units that may be settled only by delivery of an equal number of shares of common stock and which are subject to vesting and forfeiture conditions.

	/s/ Michelle Kay Baird	01/07/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.