TCBS on Nasdaq
Texas Community Bancshares, Inc.
These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and.3 From its latest annual report
Price unavailable
Last updated Oct 19, 2026.
Overview
- TickerTCBS on Nasdaq1
- IndustrySavings Institutions, Not Federally Chartered1
- HeadquartersMineola, Texas1
- Business address215 West Broad Street, Mineola, Tx 757732
- Filer categoryNon-accelerated filer, Smaller reporting company, Emerging growth company2
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These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Accordingly, you should not place undue reliance on such statements. We are under no duty to and do not take any obligation to update any forward-looking statements after the date of this annual report.3 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans, including fees | $17.7M | $15.9M |
| Taxable | $3.9M | $4.3M |
| Non taxable | $176.0K | $158.0K |
| Dividends on restricted investments | $167.0K | $221.0K |
| Federal funds sold | $207.0K | $671.0K |
| Deposits with banks | $323.0K | $723.0K |
| Financial derivative | -$10.0K | $450.0K |
| Total interest income | $22.5M | $22.5M |
| Deposits | $7.1M | $7.3M |
| Advances from FHLB | $2.1M | $2.6M |
| Other | $9.0K | $10.0K |
| Total interest expense | $9.2M | $9.9M |
| Net Interest Income | $13.3M | $12.6M |
| Provision for credit losses - loans | $736.0K | $269.0K |
| Provision (Credit) for Credit Losses - off-balance sheet credit exposures | $95.0K | -$111.0K |
| Provision for Credit Losses | $831.0K | $158.0K |
| Net Interest Income After Provision for Credit Losses | $12.5M | $12.4M |
| Service charges on deposit accounts | $729.0K | $687.0K |
| Other service charges and fees | $1.2M | $1.2M |
| Net gain on securities transactions | $117.0K | $190.0K |
| Net loss on sale of loans | -$3.9M | |
| Net (loss) gain on sale of other real estate owned | -$19.0K | $37.0K |
| Fair value adjustments to other real estate owned | $495.0K | -$78.0K |
| Net loss on premises and equipment | -$287.0K | |
| Net appreciation on bank-owned life insurance | $173.0K | $133.0K |
| Gain on other investment | $198.0K | |
| Other income | $232.0K | $21.0K |
| Total noninterest income (loss) | $3.1M | -$1.9M |
| Salaries and employee benefits | $6.5M | $6.8M |
| Occupancy and equipment expense | $1.1M | $1.1M |
| Data processing | $1.0M | $937.0K |
| Technology expense | $298.0K | $435.0K |
| Contract services | $262.0K | $265.0K |
| Director fees | $248.0K | $304.0K |
| Other expense | $2.7M | $2.4M |
| Total noninterest expense | $12.2M | $12.3M |
| Income (Loss) Before Income Taxes | $3.4M | -$1.8M |
| Income Tax Expense (Benefit) | $522.0K | -$476.0K |
| Net Income (Loss) | $2.8M | -$1.3M |
| Earnings (Loss) per share - basic (in dollars per share) | $1.04 | -$0.45 |
| Earnings (Loss) per share - diluted (in dollars per share) | $1.00 | -$0.44 |
| Weighted-average shares outstanding - basic (in shares) | 2.7M shares | 2.9M shares |
| Weighted-average shares outstanding - diluted (in shares) | 2.9M shares | 3.0M shares |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $3.9M | $4.0M | |
| Federal funds sold | $2.6M | $9.3M | |
| Cash and cash equivalents | $6.5M | $13.3M | $13.1M |
| Interest bearing deposits in banks | $5.5M | $9.7M | |
| Securities available for sale | $59.9M | $75.2M | |
| Securities held to maturity, net of allowance for credit losses of $0 (fair values of $16,744 at December 31, 2025 and $19,531 at December 31, 2024) | $18.3M | $22.1M | |
| Loans receivable, net of allowance for credit losses of $3,440 at December 31, 2025 and $3,222 at December 31, 2024 | $302.0M | $292.4M | |
| Net investment in direct financing leases | $1.2M | $1.3M | |
| Accrued interest receivable | $1.9M | $1.9M | |
| Premises and equipment, net | $11.5M | $11.5M | |
| Bank-owned life insurance | $6.5M | $6.4M | |
| Other real estate owned | $9.3M | $480.0K | |
| Restricted investments carried at cost | $2.8M | $3.7M | |
| Core deposit intangible | $132.0K | ||
| Deferred income taxes | $1.8M | $2.7M | |
| Financial derivative | $419.0K | ||
| Other assets | $2.8M | $2.2M | |
| Total assets | $429.8M | $443.5M | |
| Noninterest bearing | $45.9M | $41.5M | |
| Interest bearing | $282.0M | $294.4M | |
| Total deposits | $327.9M | $335.8M | |
| Advances from Federal Home Loan Bank (FHLB) | $45.7M | $49.9M | |
| Accrued expenses and other liabilities | $2.5M | $5.6M | |
| Total liabilities | $376.1M | $391.3M | |
| Common stock, $0.01 par value, 19,000,000 shares authorized, 3,366,516 issued and 2,887,275 outstanding at December 31, 2025 and 3,370,425 issued and 3,088,152 outstanding at December 31, 2024 | $34.0K | $34.0K | |
| Additional paid in capital | $33.2M | $32.5M | |
| Retained earnings | $32.4M | $30.2M | |
| Accumulated other comprehensive loss | -$3.1M | -$4.8M | |
| Unearned Employee Stock Ownership Program (ESOP) shares, at cost | -$1.9M | -$2.0M | |
| Treasury stock, at cost (479,241 shares at December 31, 2025 and 282,273 shares at December 31, 2024) | -$6.9M | -$3.8M | |
| Total shareholders' equity | $53.8M | $52.1M | $53.7M |
| Total liabilities and shareholders' equity | $429.8M | $443.5M | |
| Allowance for credit losses | $0 | $0 | |
| Held-to-Maturity Securities, Fair Value | $16.7M | $19.5M | |
| Allowance for credit losses | $3.4M | $3.2M | $3.1M |
| Preferred stock, par value per share (in dollars per share) | $0.01 | $0.01 | |
| Preferred stock, shares authorized (in shares) | 1.0M shares | 1.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, par value per share (in dollars per share) | $0.01 | $0.01 | |
| Common stock, shares authorized (in shares) | 19.0M shares | 19.0M shares | |
| Common stock, shares issued (in shares) | 3.4M shares | 3.4M shares | |
| Common stock, shares outstanding (in shares) | 2.9M shares | 3.1M shares | |
| Treasury stock, Shares | 479.2K shares | 282.3K shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $3.9M | $4.0M | |
| Federal funds sold | $2.6M | $9.3M | |
| Cash and cash equivalents | $6.5M | $13.3M | $13.1M |
| Interest bearing deposits in banks | $5.5M | $9.7M | |
| Securities available for sale | $59.9M | $75.2M | |
| Securities held to maturity, net of allowance for credit losses of $0 (fair values of $16,744 at December 31, 2025 and $19,531 at December 31, 2024) | $18.3M | $22.1M | |
| Loans receivable, net of allowance for credit losses of $3,440 at December 31, 2025 and $3,222 at December 31, 2024 | $302.0M | $292.4M | |
| Net investment in direct financing leases | $1.2M | $1.3M | |
| Accrued interest receivable | $1.9M | $1.9M | |
| Premises and equipment, net | $11.5M | $11.5M | |
| Bank-owned life insurance | $6.5M | $6.4M | |
| Other real estate owned | $9.3M | $480.0K | |
| Restricted investments carried at cost | $2.8M | $3.7M | |
| Core deposit intangible | $132.0K | ||
| Deferred income taxes | $1.8M | $2.7M | |
| Financial derivative | $419.0K | ||
| Other assets | $2.8M | $2.2M | |
| Total assets | $429.8M | $443.5M | |
| Noninterest bearing | $45.9M | $41.5M | |
| Interest bearing | $282.0M | $294.4M | |
| Total deposits | $327.9M | $335.8M | |
| Advances from Federal Home Loan Bank (FHLB) | $45.7M | $49.9M | |
| Accrued expenses and other liabilities | $2.5M | $5.6M | |
| Total liabilities | $376.1M | $391.3M | |
| Common stock, $0.01 par value, 19,000,000 shares authorized, 3,366,516 issued and 2,887,275 outstanding at December 31, 2025 and 3,370,425 issued and 3,088,152 outstanding at December 31, 2024 | $34.0K | $34.0K | |
| Additional paid in capital | $33.2M | $32.5M | |
| Retained earnings | $32.4M | $30.2M | |
| Accumulated other comprehensive loss | -$3.1M | -$4.8M | |
| Unearned Employee Stock Ownership Program (ESOP) shares, at cost | -$1.9M | -$2.0M | |
| Treasury stock, at cost (479,241 shares at December 31, 2025 and 282,273 shares at December 31, 2024) | -$6.9M | -$3.8M | |
| Total shareholders' equity | $53.8M | $52.1M | $53.7M |
| Total liabilities and shareholders' equity | $429.8M | $443.5M | |
| Allowance for credit losses | $0 | $0 | |
| Held-to-Maturity Securities, Fair Value | $16.7M | $19.5M | |
| Allowance for credit losses | $3.4M | $3.2M | $3.1M |
| Preferred stock, par value per share (in dollars per share) | $0.01 | $0.01 | |
| Preferred stock, shares authorized (in shares) | 1.0M shares | 1.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, par value per share (in dollars per share) | $0.01 | $0.01 | |
| Common stock, shares authorized (in shares) | 19.0M shares | 19.0M shares | |
| Common stock, shares issued (in shares) | 3.4M shares | 3.4M shares | |
| Common stock, shares outstanding (in shares) | 2.9M shares | 3.1M shares | |
| Treasury stock, Shares | 479.2K shares | 282.3K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income (loss) | $2.8M | -$1.3M |
| Provision for credit losses - loans | $736.0K | $269.0K |
| Provision (credit) for credit losses - off-balance sheet credit exposures | $95.0K | -$111.0K |
| Net (accretion) amortization of securities | -$149.0K | $74.0K |
| Depreciation and amortization | $593.0K | $572.0K |
| Net realized gain on sales of securities available for sale | $117.0K | $190.0K |
| Net unrealized gain on discontinued financial derivative | $463.0K | |
| Stock dividends on restricted investments | -$155.0K | -$211.0K |
| Net increase on other investment | -$157.0K | |
| Loss on sale of loans | $3.9M | |
| Loss on disposal of fixed assets | $287.0K | |
| Appreciation on bank-owned life insurance | -$173.0K | -$133.0K |
| ESOP compensation expense for allocated shares | $253.0K | $223.0K |
| Loss (gain) on sale other real estate owned | $19.0K | -$37.0K |
| Fair value adjustment on other real estate owned | -$495.0K | $78.0K |
| Stock-based compensation | $607.0K | $757.0K |
| Deferred income tax expense (benefit) | $405.0K | -$476.0K |
| Loss on fair value adjustment of fair value hedges | $10.0K | -$6.0K |
| Accrued interest receivable | $31.0K | -$191.0K |
| Other assets | -$229.0K | -$724.0K |
| Accrued expenses and other liabilities | -$3.2M | -$785.0K |
| Net Cash from Operating Activities | $1.4M | $1.9M |
| Net change in interest bearing deposits in banks | $4.2M | $2.6M |
| Purchases | -$53.7M | -$19.4M |
| Sales | $23.8M | $20.1M |
| Maturities, prepayments and calls | $47.7M | $18.4M |
| Maturities, prepayments and calls | $3.7M | $3.8M |
| Redemptions of restricted investments | $1.1M | |
| Purchases of other investment | -$169.0K | -$132.0K |
| Loan originations and principal collections, net | -$19.2M | -$37.1M |
| Net decrease (increase) in net investment in direct financing leases | $73.0K | -$1.3M |
| Proceeds from sale of loans, originally classified as loans held for investment | $23.0M | |
| Proceeds from sales of other real estate owned | $568.0K | $56.0K |
| Additions of premises and equipment | -$394.0K | -$1.2M |
| Net Cash from Investing Activities | $7.7M | $8.8M |
| Net (decrease) increase in deposits | -$7.9M | $18.6M |
| Advances from FHLB and other borrowings | $16.1M | $5.1M |
| Payments on FHLB and other borrowings | -$20.3M | -$32.1M |
| Cash dividends declared and paid | -$593.0K | -$504.0K |
| Purchases of treasury stock | -$3.2M | -$1.6M |
| Net Cash used for Financing Activities | -$15.9M | -$10.5M |
| Net Change in Cash and Cash Equivalents | -$6.8M | $230.0K |
No quarter-by-quarter statement was filed.
Compare Texas Community Bancshares, Inc. with another company
Leadership
Who has led Texas Community Bancshares, Inc., and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
Chief operating officer
2025
- Chief executive officerJason Sobel Feb 29, 2024 to now11
- Chief executive officerJames H. Herlocker Iii. Jul 14, 2021 to Sep 12, 202312
- ChairJames H. Herlocker Iii. May 23, 2022 to Sep 12, 202313
- PresidentJason Sobel Mar 30, 2023 to now14
- PresidentJames H. Herlocker Iii. Jul 14, 2021 to Sep 12, 202312
- Chief financial officerJason McCrary Dec 9, 2025 to now15
- Chief financial officerJulie Sharff Jul 14, 2021 to Dec 9, 202516
- Chief operating officerHaskell Strange Jul 14, 2021 to now17
Board members and other officers (19)
- SVP and Mrktng DirBrittany Bessonett Jul 14, 2021 to Jun 10, 202418
- SVPKraig Yarbrough Jul 14, 2021 to Jun 4, 202419
- Corporate SecretarySheree A. Mize Jul 14, 2021 to now20
- BSA, CRA, Comp OffcrSofia Gurrusquieta Jul 14, 2021 to Apr 26, 202321
- SVP & Chief Lndg OfficerTerri Baucum Jul 14, 2021 to Jul 14, 202122
- Board memberJason Sobel Feb 29, 2024 to now11
- Board memberBryan Summerville Feb 11, 2022 to Sep 1, 202223
- Board memberDemethrius Boyd Feb 11, 2022 to Sep 1, 202224
- Board memberKerry Kindle Feb 11, 2022 to Sep 1, 202225
- Board memberClifton D. Bradshaw Jul 14, 2021 to May 22, 202326
- Board memberGlen Thurman Jul 14, 2021 to Aug 20, 202427
- Board memberJames B. Harder Jul 14, 2021 to Sep 1, 202228
- Board memberJames H. Herlocker Iii. Jul 14, 2021 to Jul 14, 202112
- Board memberJerry Presswood Jul 14, 2021 to Sep 1, 202229
- Board memberJohnny Sherrill Jul 14, 2021 to now30
- Board memberKerry Nan Saucier Jul 14, 2021 to Sep 1, 202231
- Board memberMark A. Pickens Jul 14, 2021 to Sep 1, 202232
- Board memberSheree A. Mize Jul 14, 2021 to Apr 26, 202320
- General counselTerri Baucum Mar 2, 2023 to Sep 4, 202433
Timeline
Filings
163 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 27 major events, 89 insider forms, 6 large holders, 21 other. The latest 20:
- Aug 11, 202610-Q EDGAR
- Jul 10, 202611-K EDGAR
- Jun 30, 2026NT 11-K TEXAS COMMUNITY BANCSHARES, INC. FORM 12B-25 EDGAR
- Jun 11, 20264 EDGAR
- Jun 11, 20264 EDGAR
- Jun 11, 20264 EDGAR
- May 21, 20268-K TEXAS COMMUNITY BANCSHARES, INC. FORM 8-K MAY 19, 2026 EDGAR
- May 7, 202610-Q EDGAR
- Apr 24, 20268-K EDGAR
- Apr 17, 2026ARS EDGAR
- Apr 16, 2026DEF 14A EDGAR
- Mar 25, 202610-K EDGAR
- Feb 10, 2026SCHEDULE 13G/A EDGAR
- Dec 16, 20258-K EDGAR
- Dec 9, 20253 EDGAR
- Dec 2, 20258-K EDGAR
- Nov 13, 20258-K EDGAR
- Nov 7, 202510-Q EDGAR
- Aug 13, 2025SCHEDULE 13G EDGAR
- Aug 7, 202510-Q EDGAR
The 163 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
54 open-market trades by officers, directors and large owners since October 2021: 33 buys and 21 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Jun 10, 2026 | Scavuzzo AnthonyDirector | Buy | 20,000 | $17.25 | $345.0K | Form 4 |
| Jun 10, 2026 | Sobel JasonPresident and CEO | Sale | 2,100 | $17.25 | $36.2K | Form 4 |
| Jun 10, 2026 | Strange HaskellSVP and COO | Sale | 1,765 | $17.25 | $30.4K | Form 4 |
| Jun 2, 2025 | Sobel JasonPresident and CEO | Sale | 1,615 | $15.58 | $25.2K | Form 4 |
| May 29, 2025 | Mize Sheree A.Corporate Secretary | Sale | 1,303 | $15.75 | $20.5K | Form 4 |
| May 29, 2025 | Sharff JulieChief Financial Officer | Sale | 2,127 | $15.75 | $33.5K | Form 4 |
| May 29, 2025 | Strange HaskellSVP and COO | Sale | 1,289 | $15.75 | $20.3K | Form 4 |
| May 7, 2025 | Sherrill JohnnyDirector | Buy | 600 | $15.63 | $9.4K | Form 4 |
| Dec 17, 2024 | Scavuzzo AnthonyDirector | Buy | 2,807 | $15.00 | $42.1K | Form 4 |
| Sep 3, 2024 | Baucum TerriSVP & CLO | Sale | 3,000 | $14.26 | $42.8K | Form 4 |
| Aug 26, 2024 | Scavuzzo AnthonyDirector | Buy | 15,000 | $13.99 | $209.8K | Form 4 |
| Aug 22, 2024 | Baucum TerriSVP & CLO | Sale | 1,954 | $13.75 | $26.9K | Form 4 |
| Aug 19, 2024 | Thurman GlenDirector | Buy | 2 | $13.70 | $27 | Form 4 |
| Aug 16, 2024 | Strange HaskellSVP and COO | Buy | 14 | $13.75 | $192 | Form 4 |
| Jun 6, 2024 | Mize Sheree A.Corporate Secretary | Sale | 1,303 | $14.22 | $18.5K | Form 4 |
| Jun 6, 2024 | Bessonett BrittanySVP and Marketing Officer | Sale | 521 | $14.30 | $7.5K | Form 4 |
| Jun 6, 2024 | Strange HaskellSVP and COO | Sale | 1,900 | $14.30 | $27.2K | Form 4 |
| Jun 4, 2024 | Sobel JasonPresident and CEO | Sale | 1,550 | $13.87 | $21.5K | Form 4 |
| May 31, 2024 | Sharff JulieChief Financial Officer | Sale | 910 | $14.25 | $13.0K | Form 4 |
| May 31, 2024 | Scavuzzo AnthonyDirector | Buy | 7,001 | $14.33 | $100.3K | Form 4 |
All 54 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Broadstreet Bank, SSB Employee Stock Ownership Plan TrustSCHEDULE 13G/A, 2 filings Feb 11, 2025 to Feb 10, 202634
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| Alliancebernstein L.P. | 175,743 | $3.1M | 0.0% | +7,634 |
| Vanguard Capital Management LLC | 57,909 | $1.0M | 0.0% | +1,163 |
| Oppenheimer & Close, LLC | 54,485 | $958.9K | 0.6% | No change |
| EP Wealth Advisors, LLC | 52,677 | $927.1K | 0.0% | No change |
| Fourthstone LLC | 20,894 | $370.2K | 0.3% | No change |
| Geode Capital Management, LLC | 19,343 | $340.6K | 0.0% | +1,592 |
| Vanguard Fiduciary Trust Co | 12,916 | $227.3K | 0.0% | +86 |
| Susquehanna International Group, Llp | 11,692 | $205.8K | 0.0% | +182 |
| BlackRock, Inc. | 7,751 | $136.4K | 0.0% | +1,940 |
| Vanguard Global Advisers, LLC | 1,360 | $23.9K | 0.0% | No change |
| Jones Financial Companies Lllp | 666 | $11.9K | 0.0% | New |
| Steward Partners Investment Advisory, LLC | 400 | $7.0K | 0.0% | New |
| Tower Research Capital LLC (TRC) | 285 | $5.0K | 0.0% | New |
| UBS Group AG | 23 | $405 | 0.0% | New |
| Citigroup Inc | 1 | $18 | 0.0% | New |
13F reports cover disclosed long positions in U.S. stocks only.
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11SEC EDGARJason Sobel, Chief executive officer
- 12
- 13SEC EDGARJames H. Herlocker Iii., Chair
- 14SEC EDGARJason Sobel, President
- 15
- 16
- 17
- 18
- 19SEC EDGARKraig Yarbrough, SVP
- 20SEC EDGARSheree A. Mize, Corporate Secretary
- 21
- 22
- 23SEC EDGARBryan Summerville, Board member
- 24SEC EDGARDemethrius Boyd, Board member
- 25SEC EDGARKerry Kindle, Board member
- 26SEC EDGARClifton D. Bradshaw, Board member
- 27SEC EDGARGlen Thurman, Board member
- 28SEC EDGARJames B. Harder, Board member
- 29SEC EDGARJerry Presswood, Board member
- 30SEC EDGARJohnny Sherrill, Board member
- 31SEC EDGARKerry Nan Saucier, Board member
- 32SEC EDGARMark A. Pickens, Board member
- 33SEC EDGARTerri Baucum, General counsel
- 34