Texas Community Bancshares, Inc.(TCBS)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Texas Community Bancshares, Inc. (TCBS) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores TCBS at 53.3/100 on a 32-signal composite quality model, placing it at rank #1,399 of 2,962 stocks — the top half of the AI-ranked universe. TCBS scores in the top quartile across revenue growth (89.5), profitability (82.0). Areas of concern include revenue scale (3.3) and institutional flow (24.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 29.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Texas Community Bancshares, Inc. reports quarterly revenue of $4.4M, net income of $970.0K, an operating margin of 26.0%. Top institutional holders of TCBS by reported 13-F value include ALLIANCEBERNSTEIN L.P., VANGUARD CAPITAL MANAGEMENT, Oppenheimer & Close, based on the most recent SEC filings. TCBS trades on the Nasdaq exchange and files with the SEC under CIK 1849466. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TCBS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Texas Community Bancshares, Inc. directly from SEC EDGAR.
AI Quality Score
53.3/100
AI Rank
#1,399
Revenue
$4.4M
Net Income
$970.0K
Free Cash Flow
$786.0K
Operating Margin
26.0%
TCBS key financials by period
Texas Community Bancshares, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$16.4M
$2.8M
20.5%
FY 2023
10-K
$11.4M
$-733.0K
-8.2%
FY 2022
10-K
$12.2M
$1.8M
17.9%
FY 2021
10-K
$10.1M
$518.0K
6.0%
FY 2020
10-K
$9.8M
$749.0K
9.6%
Institutions holding TCBS
Institutional investors reporting a position in Texas Community Bancshares, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-11 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income rose 43% YoY to $970K in Q2 2026, driven by 16% net interest income growth to $3.7M as loan yields and volumes improved.
Biggest Revenue Drivers
Interest income on loans$4.9M+15.3% YoY
Increased average loan balances of $10.1M and higher loan yield of 66 basis points, driven by commercial loan portfolio expansion.
Interest income on securities$0.8M-23.8% YoY
Decline from lower average security balances following fourth quarter 2025 sales and faster paydowns of higher-yielding securities.
Biggest Revenue Drivers
Total revenue: $5.8M+6.4% YoY
Interest income on loans$4.9M+15.3% YoY
Increased average loan balances of $10.1M and higher loan yield of 66 basis points, driven by commercial loan portfolio expansion.
Interest income on securities$0.8M-23.8% YoY
Decline from lower average security balances following fourth quarter 2025 sales and faster paydowns of higher-yielding securities.
Interest income on deposits in banks and fed funds$0.1M-37.6% YoY
Decreased balances and lower yields from reduced fed funds rates.
Largest Expense Items
Salaries and employee benefits$1.6M+4.5% YoY
Annual salary increases, related payroll taxes, and accelerated vesting of stock option expense recorded in Q2 2026.
Data processing$0.3M+20.1% YoY
Increase in fees paid to bank core processor.
Occupancy and equipment$0.3M+15.4% YoY
Higher property taxes, depreciation, and expenses for new administrative office lease.
Margins: Net interest margin improved 60 basis points YoY to 3.69% in Q2 2026, driven by higher loan yields and volumes, lower deposit costs, and reduced FHLB advances. The margin expansion reflects management's continued focus on loan portfolio diversification and disciplined pricing.
Watch Items from the Filing
Uninsured deposits of $48.9M (14.4% of total deposits) across 193 accounts with balances exceeding FDIC limit of $250K, including $13.5M in CDs and $35.4M in transaction/savings accounts.
Securities portfolio unrealized losses of $5.6M (7.0% of portfolio, 9.6% of capital) primarily from interest rate increases; $29.9M (37.4%) is agency-guaranteed.
Commercial real estate loans (65.4M, 20.6% of portfolio) include $6.0M past due on two relationships; one matured and renewed, other under contract for sale.
Other real estate owned declined to $9.1M consisting of one multifamily property (90%+ occupied, generating $340K revenue YTD) and two development properties under active marketing.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
