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. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
Texas Community Bancshares, Inc. Income Statement
TCBS • NASDAQ
| Texas Community Bancshares, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
REVENUE | |||||||
25.6M | 20.8M | 19.3M | 14.4M | 12.3M | 12.4M | 11.6M | |
GROSS PROFIT | |||||||
(10M) | (10.1M) | (8.3M) | (2.5M) | (2.2M) | (3M) | (2.8M) | |
15.6M | 10.8M | 11.1M | 11.9M | 10.1M | 9.4M | 8.8M | |
OPERATING INCOME | |||||||
(12.2M) | (12.6M) | (12M) | (9.8M) | (9.5M) | (8.4M) | (7.6M) | |
(7.2M) | (7.1M) | (7.5M) | (6.2M) | (5.5M) | (5.2M) | (4.7M) | |
3.4M | -1.8M | -937K | 2.2M | 611K | 941.9K | 1.3M | |
PRE-TAX INCOME | |||||||
(9.2M) | (9.9M) | (7.9M) | (2.3M) | (2.1M) | (2.5M) | (2.6M) | |
13.3M | 12.3M | 10.9M | 10.2M | 8.4M | 8.3M | 7.3M | |
(5M) | (5.4M) | (4.5M) | (3.6M) | (4M) | (3.2M) | (2.8M) | |
3.4M | -1.8M | -937K | 2.2M | 611K | 941.9K | 1.3M | |
NET INCOME | |||||||
(522K) | -476K | -204K | (423K) | (93K) | (193K) | (230.4K) | |
2.8M | -1.3M | -733K | 1.8M | 518K | 749K | 1.1M |
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 |
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Research Paths
Snapshot
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Value Model
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Statements
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Earnings Call
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Analyst Expectations
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