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TCBS on Nasdaq

Texas Community Bancshares, Inc.

Texas Community Bancshares, Inc. is a savings institutions company based in Mineola, listed on Nasdaq (TCBS).1

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Last updated Oct 21, 2026.

Overview

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  • 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.4 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

Net income56789$2.8M in 2025+279% since 2020
-$2.0M0$2.0M$4.0M2020: $749.0K$749.0K20202021: $518.0K$518.0K2021−31%2022: $1.8M$1.8M2022+239%2023: -$733.0K-$733.0K20232024: -$1.3M-$1.3M2024+78%2025: $2.8M$2.8M2025

Every line of the income statement as filed: the last 2 fiscal years, latest first.9

Period ending2025-12-312024-12-31
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 shares2.9M shares
Weighted-average shares outstanding - diluted (in shares)2.9M shares3.0M shares

Compare Texas Community Bancshares, Inc. with another company

Corporate structure

Texas Community Bancshares, Inc. sits at the top of its group. 3 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Texas Community Bancshares, Inc.

  • Texas Community Bancshares, Inc. Mineola, Texas
    • Broadstreet Bank, SSB Subsidiary · Texas, United States
    • Mineola Financial Services Corporation Subsidiary · Texas, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Texas Community Bancshares, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$18.1M9 Dec 31, 2025$17.7M9 Dec 31, 2024+2.1%
Accumulated depreciation$6.7M9 Dec 31, 2025$6.2M9 Dec 31, 2024+7.2%
Property and equipment, net$11.5M9 Dec 31, 2025$11.5M9 Dec 31, 2024−0.6%
Operating-lease assets (leased space)$578.0K9 Dec 31, 2025$292.0K9 Dec 31, 2024+97.9%

Investments

ItemLatestA year beforeChange
Loans, net of allowance$303.2M9 Dec 31, 2025$293.7M9 Dec 31, 2024+3.2%
Deposits held (banks)$327.9M9 Dec 31, 2025$335.8M9 Dec 31, 2024−2.4%

Intangibles and goodwill

ItemLatestA year beforeChange
Finite-lived intangibles, net$132.0K9 Dec 31, 2024$265.0K8 Dec 31, 2023−50.2%

Properties, in its own words

As of December 31, 2025, the net book value of our land, building and equipment was $11.5 million. The following table sets forth information regarding our offices as of December 31, 2025:

Leased or · Year Acquired · Net Book Value of

The rest of Item 2

Location · Owned · or Leased · Land, Building & Equipment

Main Office:

215 West Broad Street Mineola, TX 75773 · Own · 1964 · 1,668

Corporate Office:

5755 Eagles Nest Blvd Tyler, TX 75703 · Lease · 2025 · 34

Branch Offices:

1224 North Pacific Street Mineola, TX 75773 · Lease · 1999 · 75

415 West Frank Street Grand Saline, TX 75140 · Own · 2006 · 935

500 South Main Street Winnsboro, TX 75494 · Own · 2005 · 1,191

304 South Main Street Lindale, TX 75771 · Own · 2017 · 4,062

500 West Pine Street Edgewood, TX 75117 · Own · 2018 · 773

917 East Southeast Loop 323 Tyler, TX 75701 · Own · 2023 · 2,412

In 2025, the Company leased corporate office space in Tyler, Texas for employee and customer accessibility and began due diligence for purchase of land in Terrell, Texas for a new branch. At December 31, 2025, the book value of the land being purchased was $117,000 and the Company closed on the property on January 5, 2026 for a purchase price of $1.5 million. We believe that all other current facilities are adequate to meet our present and foreseeable needs with future expansion in Terrell, Texas.

Item 2 of the 10-K filed Mar 25, 2026.4

Leadership

Who has led Texas Community Bancshares, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. James H. Herlocker Iii.2021–2023
  2. Jason Sobel2024–now

Chair

  1. James H. Herlocker Iii.2022–2023

President

  1. James H. Herlocker Iii.2021–2023
  2. Jason Sobel2023–now

Chief financial officer

  1. Julie Sharff2021–2025
  2. Jason McCrary2025–now

Chief operating officer

  1. Haskell Strange2021–now
2025
Board members and other officers (19)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Broadstreet Bank, SSB Texas3
  • Mineola Financial Services Corporation Texas3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. May 21, 20268-K Shareholder vote35
  2. Apr 24, 20268-K Results of operations36
  3. Dec 16, 20258-K Other events37
  4. Dec 2, 20258-K Executive or director change38
  5. Nov 13, 20258-K Executive or director change39
  6. Aug 1, 20258-K Results of operations40
  7. May 21, 20258-K Shareholder vote41
  8. May 1, 20258-K Results of operations42
  9. Feb 27, 20258-K Other events43
  10. Jan 22, 20258-K Executive or director change44
  11. Oct 4, 20248-K Executive or director change45
  12. May 22, 20248-K Shareholder vote46
  13. Feb 29, 2024New chief executive Jason Sobel becomes CEO12
  14. Jul 14, 2021New chief executive James H. Herlocker Iii. becomes CEO13

Calendar

Coming up

  1. Nov 6, 2026Reports results for the quarter ending Sep/202647

When it reported results

  1. Apr 24, 2026Reported quarterly or annual results36
  2. Aug 1, 2025Reported quarterly or annual results40
  3. May 1, 2025Reported quarterly or annual results42
  4. May 13, 2024Reported quarterly or annual results48
  5. Feb 23, 2024Reported quarterly or annual results49

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

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:

  1. Aug 11, 202610-Q EDGAR
  2. Jul 10, 202611-K EDGAR
  3. Jun 30, 2026NT 11-K TEXAS COMMUNITY BANCSHARES, INC. FORM 12B-25 EDGAR
  4. Jun 11, 20264 EDGAR
  5. Jun 11, 20264 EDGAR
  6. Jun 11, 20264 EDGAR
  7. May 21, 20268-K TEXAS COMMUNITY BANCSHARES, INC. FORM 8-K MAY 19, 2026 EDGAR
  8. May 7, 202610-Q EDGAR
  9. Apr 24, 20268-K EDGAR
  10. Apr 17, 2026ARS EDGAR
  11. Apr 16, 2026DEF 14A EDGAR
  12. Mar 25, 202610-K EDGAR
  13. Feb 10, 2026SCHEDULE 13G/A EDGAR
  14. Dec 16, 20258-K EDGAR
  15. Dec 9, 20253 EDGAR
  16. Dec 2, 20258-K EDGAR
  17. Nov 13, 20258-K EDGAR
  18. Nov 7, 202510-Q EDGAR
  19. Aug 13, 2025SCHEDULE 13G EDGAR
  20. 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.

DateWhoTradeSharesPriceValueFiling
Jun 10, 2026Scavuzzo AnthonyDirectorBuy20,000$17.25$345.0KForm 4
Jun 10, 2026Sobel JasonPresident and CEOSale2,100$17.25$36.2KForm 4
Jun 10, 2026Strange HaskellSVP and COOSale1,765$17.25$30.4KForm 4
Jun 2, 2025Sobel JasonPresident and CEOSale1,615$15.58$25.2KForm 4
May 29, 2025Mize Sheree A.Corporate SecretarySale1,303$15.75$20.5KForm 4
May 29, 2025Sharff JulieChief Financial OfficerSale2,127$15.75$33.5KForm 4
May 29, 2025Strange HaskellSVP and COOSale1,289$15.75$20.3KForm 4
May 7, 2025Sherrill JohnnyDirectorBuy600$15.63$9.4KForm 4
Dec 17, 2024Scavuzzo AnthonyDirectorBuy2,807$15.00$42.1KForm 4
Sep 3, 2024Baucum TerriSVP & CLOSale3,000$14.26$42.8KForm 4
Aug 26, 2024Scavuzzo AnthonyDirectorBuy15,000$13.99$209.8KForm 4
Aug 22, 2024Baucum TerriSVP & CLOSale1,954$13.75$26.9KForm 4
Aug 19, 2024Thurman GlenDirectorBuy2$13.70$27Form 4
Aug 16, 2024Strange HaskellSVP and COOBuy14$13.75$192Form 4
Jun 6, 2024Mize Sheree A.Corporate SecretarySale1,303$14.22$18.5KForm 4
Jun 6, 2024Bessonett BrittanySVP and Marketing OfficerSale521$14.30$7.5KForm 4
Jun 6, 2024Strange HaskellSVP and COOSale1,900$14.30$27.2KForm 4
Jun 4, 2024Sobel JasonPresident and CEOSale1,550$13.87$21.5KForm 4
May 31, 2024Sharff JulieChief Financial OfficerSale910$14.25$13.0KForm 4
May 31, 2024Scavuzzo AnthonyDirectorBuy7,001$14.33$100.3KForm 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.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Jason Sobel$275.0K$453.6K52
2025Julie Sharff$188.5K$278.9K52
2025Haskell Strange$164.6K$239.6K52
2025Jason McCrary$131.7K$152.7K52
2024President and Chief Executive Officer$250.0K$1.1M52
2024Former Chief Financial Officer$179.5K$256.6K52
2024Senior VicePresident and Chief Operations Officer$153.1K$207.5K52

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.

FundSharesValueShare of the fundChange
Alliancebernstein L.P.175,743$3.1M0.0%+7,634
Vanguard Capital Management LLC57,909$1.0M0.0%+1,163
Oppenheimer & Close, LLC54,485$958.9K0.6%No change
EP Wealth Advisors, LLC52,677$927.1K0.0%No change
Fourthstone LLC20,894$370.2K0.3%No change
Geode Capital Management, LLC19,343$340.6K0.0%+1,592
Vanguard Fiduciary Trust Co12,916$227.3K0.0%+86
Susquehanna International Group, Llp11,692$205.8K0.0%+182
BlackRock, Inc.7,751$136.4K0.0%+1,940
Vanguard Global Advisers, LLC1,360$23.9K0.0%No change
Jones Financial Companies Lllp666$11.9K0.0%New
Steward Partners Investment Advisory, LLC400$7.0K0.0%New
Tower Research Capital LLC (TRC)285$5.0K0.0%New
UBS Group AG23$4050.0%New
Citigroup Inc1$180.0%New

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Texas Community Bancshares, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARTexas Community Bancshares, Inc.1
  • CIK0001849466
  • Employer ID (EIN)86-27603354
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inMaryland4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address215 West Broad Street, Mineola, TX 757731
  • Phone903-569-26021
  • Shares outstanding2,872,727 as of Aug 7, 202611
  • Public float$36.4M as of Jun 30, 20254
  • AuditorForvis Mazars, LLP, Houston, Texas PCAOB ID 686; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceMar 9, 20211
  • Filings200 in all: 4 (74), 8-K (30), 3 (22), 10-Q (17), 4/A (9), 10-K (5), 11-K (5), DEF 14A (5)1
    All 27 form types

    144 (4), CORRESP (3), 144/A (2), 3/A (2), 424B3 (2), ARS (2), EFFECT (2), NT 11-K (2), S-8 (2), SC 13G/A (2), SCHEDULE 13G (2), 8-A12B (1), CERT (1), POS AM (1), S-1 (1), S-1/A (1), SC 13G (1), SCHEDULE 13G/A (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Mar 25, 2026
    Quarterly report (10-Q) Aug 11, 2026
    Proxy statement (DEF 14A) Apr 16, 2026
    Latest 8-K (8-K) May 21, 2026

Securities registered for trading

ClassSymbolExchange
Common stock, par value $0.01 per shareTCBSThe Nasdaq Stock Market LLC

From the cover page of the 10-K filed Mar 25, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

Legal proceedings

Periodically, we are involved in claims and lawsuits, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. The Company has been named a defendant in a legal action arising from the conduct of its normal business and employment activities. Management believes that the legal action against the Company is without merit and intends to defend against it. Any liability that could arise with respect to this action is not reasonably estimable at December 31, 2025 and in the opinion of the Company, any such liability will not have a material adverse effect on the Company’s consolidated financial statements.

The opening of Item 3, Legal Proceedings.4

Sources

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