TCBS - NASDAQ
Texas Community Bancshares, Inc.
$17.34
-0.21%Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. It generates a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. The company also originates primarily one- to four-family residential mortgage loans, commercial real estate loans, and construction and land loans; and car, boat, share, unsecured loans, etc., as well as agricultural loans, commercial loans, and consumer and other loans. In addition, it invests in securities; and offers sweep account, safe deposit boxes, cards, online banking, and mobile banking services. The company was founded in 1934 and is headquartered in Mineola, Texas.
At a Glance
Live SnapshotTexas Community Bancshares, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Financial Health Insight
Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.
Texas Community Bancshares, Inc. Balance Sheet
TCBS • NASDAQ
| Texas Community Bancshares, Inc. Balance Sheet | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
ASSETS | |||||||
CURRENT ASSETS | |||||||
3.9M | 13.7M | 17.7M | 9M | 20.6M | 20M | 22.9M | |
41.5M | 75.2M | 93.3M | 107.2M | 56.8M | 13M | 10.7M | |
6.5M | 88.9M | 111M | 116.1M | 77.4M | 32.9M | 33.6M | |
1.7M | 3.2M | 1.8M | 1.4M | 1M | 995K | 887.5K | |
1.7M | 1.7M | 1.7M | 1.3M | 931K | 963K | 832.8K | |
0.0 | 1.5M | 64K | 64K | 105K | 32K | 54.7K | |
228K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
8.3M | 92.1M | 112.8M | 117.5M | 78.4M | 33.9M | 34.5M | |
NON-CURRENT ASSETS | |||||||
11.5M | 11.5M | 11.6M | 6.3M | 6.2M | 6.4M | 6.1M | |
0.0 | 132K | 265K | 397K | 537K | 673K | 810K | |
0.0 | 132K | 265K | 397K | 537K | 673K | 810K | |
338.6M | 314.9M | 306M | 279.1M | 253.8M | 247.6M | 216.4M | |
0.0 | 2.7M | 2.4M | 2.3M | 651K | 247K | 152.2K | |
72M | 22M | 18.9M | 11.7M | 25.1M | 10.8M | 9.6M | |
422.1M | 351.3M | 339.2M | 299.9M | 286.4M | 265.7M | 233.1M | |
430.4M | 443.5M | 452M | 417.3M | 364.8M | 299.6M | 267.6M | |
LIABILITIES | |||||||
CURRENT LIABILITIES | |||||||
0.0 | 0.0 | 0.0 | 2.9M | 2.2M | 1.8M | 1.1M | |
13.1M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
0.0 | 335.8M | 317.2M | 296.1M | 274.9M | 235.1M | 204.2M | |
13.1M | 335.8M | 317.2M | 299M | 277.1M | 236.9M | 205.4M | |
NON-CURRENT LIABILITIES | |||||||
32.7M | 49.9M | 76.9M | 62.5M | 27.6M | 30.8M | 31.1M | |
575K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
329.8M | 5.6M | 4.2M | 0.0 | 0.0 | 0.0 | 0.0 | |
363.5M | 55.5M | 81.1M | 62.5M | 27.6M | 30.8M | 31.1M | |
431K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
376.1M | 391.3M | 398.4M | 361.5M | 304.7M | 267.7M | 236.5M | |
SHAREHOLDERS' EQUITY | |||||||
-6.9M | -3.8M | -2.2M | 0.0 | 0.0 | 0.0 | 0.0 | |
34K | 34K | 34K | 33K | 33K | 0.0 | 0.0 | |
33.2M | 32.5M | 31.7M | 31.1M | 30.9M | 0.0 | 0.0 | |
32.4M | 30.2M | 32M | 34.1M | 32.3M | 31.8M | 31.1M | |
-3.1M | -4.8M | -5.6M | -7M | -686K | 128K | -8.1K | |
-1.9M | -2M | -2.2M | -2.3M | -2.5M | 0.0 | 0.0 | |
53.8M | 52.1M | 53.7M | 55.9M | 60.1M | 31.9M | 31.1M | |
53.8M | 52.1M | 53.7M | 55.9M | 60.1M | 31.9M | 31.1M | |
SUMMARY | |||||||
429.8M | 443.5M | 452M | 417.3M | 364.8M | 299.6M | 267.6M | |
380.2M | 390.1M | 399.4M | 386.3M | 310.6M | 260.5M | 227.1M | |
46.2M | 49.9M | 76.9M | 62.5M | 27.6M | 30.8M | 31.1M | |
42.4M | 36.1M | 59.2M | 53.5M | 7M | 10.8M | 8.3M | |
2,914,740 | 2,914,740 | 2,914,740 | 2,914,740 | 2,914,740 | 2,914,740 | 2,914,740 |
SEC Filings
TCBS - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
DEF 14A DEF 14A 2026 N/A | April 16, 2026 | May 19, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 16, 2025 | December 16, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 02, 2025 | December 01, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 13, 2025 | November 10, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 07, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 01, 2025 | August 01, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 21, 2025 | May 20, 2025 | 2025 | |
10-Q 10-Q 2025 Q1 Q1 | May 13, 2025 | March 31, 2025 | 2025 |
Related Guides
Continue your TCBS research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.