TCBS
Texas Community Bancshares, Inc.16.45
-0.35-2.08%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '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
8-K
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.
8-K
Q2 net income surges to $678K
Texas Community Bancshares reported net income of $678,000 for Q2 2025, up from $348,000 a year earlier, marking five straight quarters of gains and the best since its IPO. Net interest income rose 5.8% to $6.5 million for the first half, fueled by lower FHLB advances and stable deposit costs despite a 4.5% balance increase to $339.2 million, while noninterest expense dipped 2.7% on reduced tech and salary costs. Two $9.0 million nonaccrual loans, well-secured by real estate, dragged asset quality with nonaccruals at 3.58%. Earnings are trending up.
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