Texas Community Bancshares, Inc. (TCBS) — SEC Filings
Texas Community Bancshares, Inc. (TCBS) — 26 SEC filings. Latest: 10-Q (May 7, 2026). Includes 13 8-K, 7 10-Q, 2 DEF 14A.
View Texas Community Bancshares, Inc. on SEC EDGAR
Overview
Texas Community Bancshares, Inc. (TCBS) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a ARS filed on Apr 17, 2026: Texas Community Bancshares, Inc. filed an Annual Report to Security Holders (ARS) on April 17, 2026, for the period ending December 31, 2025. The filing details the company's financial performance and operations for the fiscal year. The report is intended to inform shareholders about the company's s
Sentiment Summary
Across 26 filings, the sentiment breakdown is: 1 bearish, 24 neutral, 1 mixed. The dominant filing sentiment for Texas Community Bancshares, Inc. is neutral.
Filing Type Overview
Texas Community Bancshares, Inc. (TCBS) has filed 7 10-Q, 1 ARS, 13 8-K, 2 DEF 14A, 2 10-K, 1 SC 13G/A with the SEC between Jan 2024 to May 2026.
Filings by Year
Recent SEC Filings (26)
Risk Profile
Risk Assessment: Of TCBS's 20 recent filings, 1 were flagged as high-risk, 5 as medium-risk, and 14 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $11.947M |
| Net Income | $2.001M |
| EPS | $0.71 |
| Debt-to-Equity | 7.21 |
| Cash Position | $12.183M |
| Operating Margin | N/A |
| Total Assets | $439.485M |
| Total Debt | $385.950M |
Key Executives
- Jason Sobel
Industry Context
Texas Community Bancshares operates in the highly competitive Texas banking market, serving consumers and commercial customers. The industry is characterized by a focus on relationship banking, loan origination, and deposit gathering. Trends include digital transformation, evolving regulatory landscapes, and interest rate sensitivity impacting net interest margins.
Top Tags
financials (5) · corporate-governance (4) · 10-Q (4) · sec-filing (3) · annual-report (2) · management-change (2) · board-of-directors (2) · Regional Banking (2) · Financial Performance (2) · financial-reporting (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income | $2.001M | Nine months ended September 30, 2025, a significant turnaround from a $1.822M loss in 2024. |
| Net Interest Income | $9.779M | Nine months ended September 30, 2025, up 4.5% from $9.359M in 2024. |
| Total Noninterest Income | $2.168M | Nine months ended September 30, 2025, a dramatic increase from a $2.639M loss in 2024. |
| Provision for Credit Losses | $558K | Nine months ended September 30, 2025, a 407% increase from $110K in 2024. |
| Other Real Estate Owned | $9.271M | At September 30, 2025, a substantial increase from $480K at December 31, 2024. |
| Total Assets | $439.485M | At September 30, 2025, a slight decrease from $443.457M at December 31, 2024. |
| Total Deposits | $334.162M | At September 30, 2025, relatively stable compared to $335.828M at December 31, 2024. |
| Total Shareholders' Equity | $53.535M | At September 30, 2025, an increase from $52.108M at December 31, 2024. |
| Basic Earnings Per Share | $0.71 | Nine months ended September 30, 2025, a significant improvement from a loss of $0.62 in 2024. |
| Common Shares Outstanding | 2,914,743 | As of November 5, 2025, indicating share count. |
| Net Loss | $1.2M | Reported for Q2 2025, a significant swing from prior year's profit. |
| Non-Interest Expenses | $4.5M | Increased by 25% in Q2 2025, contributing to the net loss. |
| Retained Earnings | $28.5M | Decreased from $29.7 million at December 31, 2024, reflecting profitability issues. |
| Accumulated Other Comprehensive Income (Loss) | -$2.1M | Worsened for the six months ended June 30, 2025, compared to -$1.5M in 2024. |
| Reporting Period End Date | 20250331 | Indicates the end of the financial quarter being reported. |
Frequently Asked Questions
What are the latest SEC filings for Texas Community Bancshares, Inc. (TCBS)?
Texas Community Bancshares, Inc. has 26 recent SEC filings from Jan 2024 to May 2026, including 13 8-K, 7 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of TCBS filings?
Across 26 filings, the sentiment breakdown is: 1 bearish, 24 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Texas Community Bancshares, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Texas Community Bancshares, Inc. (TCBS) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Texas Community Bancshares, Inc.?
Key financial highlights from Texas Community Bancshares, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for TCBS?
The investment thesis for TCBS includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Texas Community Bancshares, Inc.?
Key executives identified across Texas Community Bancshares, Inc.'s filings include Jason Sobel.
What are the main risk factors for Texas Community Bancshares, Inc. stock?
Of TCBS's 20 assessed filings, 1 were flagged high-risk, 5 medium-risk, and 14 low-risk.
What are recent predictions and forward guidance from Texas Community Bancshares, Inc.?
Forward guidance and predictions for Texas Community Bancshares, Inc. are extracted from SEC filings as they are enriched.