TCBS
Texas Community Bancshares, Inc.16.45
-0.35-2.08%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
48.80MP/E (TTM)
19.13Basic EPS (TTM)
0.86Dividend Yield
0.01%Recent Filings
8-K
New 5% buyback authorized
Texas Community Bancshares approved a new stock repurchase program on December 16, 2025, authorizing buybacks of up to 144,364 shares—about 5% of its outstanding common stock. It completed the prior program, repurchasing all 153,083 shares. Board signals confidence in capital deployment. Program flexible, via open market or Rule 10b5-1 plans, but suspendable anytime.
8-K
CFO appointment effective
8-K
CFO retires; successor named
Texas Community Bancshares announced CFO Julie Sharff's retirement effective December 1, 2025, with Jason McCrary succeeding her after joining as VP Finance in December 2024. Sharff stays on full-time until February 20, 2026, then consults through May 8 for $50,000 plus $100,000 retention bonus; McCrary gets $150,000 base salary. Smooth handover planned. Transition costs structured.
10-Q
Q3 FY2025 results
Texas Community Bancshares swung to net income of $680K in Q3 2025 ended September 30, up 32% y/y from $515K, while YTD net income hit $2.0M versus a $1.8M loss last year. Net interest income rose 2% y/y to $3.3M in the quarter on a 13bps NIM expansion to 3.22%, fueled by higher loan yields and lower FHLB costs, though total interest income dipped 2% y/y amid softer fed funds. Noninterest income more than doubled to $1.1M, boosted by $530K in fair value gains on foreclosed properties, but provision for credit losses climbed 85% y/y to $487K due to charges on a multi-family foreclosure. Loans shrank 3% q/q to $284.9M net, with $9.3M shifted to OREO; deposits held steady at $334.2M, FHLB advances eased 2% to $48.8M, and cash stood at $12.2M with $102.5M unused FHLB capacity. Equity grew 3% to $53.5M, well above regulatory thresholds. Foreclosures underscore commercial real estate risks.
10-Q
Q2 FY2025 results
Texas Community Bancshares swung to net income of $678K in Q2 FY2025 ended June 30, up sharply from $348K a year earlier, while YTD net income hit $1.3M versus a $2.3M loss in 2024, buoyed by a $356K rise in net interest income to $6.5M (derived) on a 29bps NIM expansion to 3.17% from loan growth and deposit repricing, plus a $4.2M noninterest income rebound excluding prior-year one-offs like a loan sale loss. A $42K credit to loan loss provisions reflected stable asset quality amid $9M in nonaccrual placements, with the allowance steady at 1.09% of loans. Deposits climbed $3.4M to $339.2M, supporting $11.3M in cash and $99.8M unused FHLB capacity, while $49.2M in advances held firm. Equity strengthened to $52.9M, with the bank well-capitalized at 11.32% CBLR. Yet competition in Texas banking could pressure margins further.
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