| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash and due from banks | 5,047 | 4,917 | ||
| Federal funds sold | 7,136 | 6,378 | ||
| Cash and cash equivalents | 12,183 | 11,295 | ||
| Interest bearing deposits in banks | 1,297 | 17,311 | ||
| Securities available for sale | 85,896 | 73,188 | ||
| Gross unrealized losses-Residential Mortgage Backed Securities | 1,709 | - | ||
| Held-to-maturity securities, fair value-Residential Mortgage Backed Securities | 15,098 | - | ||
| Gross unrealized losses-USStates And Political Subdivisions | 5 | - | ||
| Held-to-maturity securities, fair value-USStates And Political Subdivisions | 1,195 | - | ||
| Gross unrealized losses-USGovernment Corporations And Agencies Securities | 1 | - | ||
| Held-to-maturity securities, fair value-USGovernment Corporations And Agencies Securities | 1,066 | - | ||
| Securities held to maturity (fair values of 17,359 at september 30, 2025 and 19,531 at december 31, 2024) | 19,074 | 20,294 | ||
| Loans receivable, net of allowance for credit losses of 3,247 at september 30, 2025 and 3,222 at december 31, 2024 | 283,701 | 292,916 | ||
| Net investment in direct financing leases | 1,228 | 1,105 | ||
| Accrued interest receivable | 1,605 | 1,933 | ||
| Premises and equipment, net | 11,435 | 11,511 | ||
| Bank-owned life insurance | 6,497 | 6,453 | ||
| Other real estate owned | 9,271 | 428 | ||
| Restricted investments carried at cost | 3,463 | 3,344 | ||
| Core deposit intangible | 33 | 66 | ||
| Deferred income taxes | 2,015 | 2,289 | ||
| Other assets | 1,787 | 1,949 | ||
| Total assets | 439,485 | 444,082 | ||
| Noninterest bearing | 49,190 | 49,130 | ||
| Interest bearing | 284,972 | 290,050 | ||
| Total deposits | 334,162 | 339,180 | ||
| Advances from federal home loan bank (fhlb) | 48,772 | 49,236 | ||
| Accrued expenses and other liabilities | 3,016 | 2,797 | ||
| Total liabilities | 385,950 | 391,213 | ||
| Common stock, 0.01 par value, 19,000,000 shares authorized, 3,366,516 issued and 2,937,743 outstanding at september 30, 2025 and 3,370,425 issued and 3,088,152 outstanding at december 31, 2024 | 34 | 34 | ||
| Additional paid in capital | 33,010 | 32,839 | ||
| Retained earnings | 31,804 | 31,242 | ||
| Accumulated other comprehensive loss | -3,255 | -4,158 | ||
| Unearned employee stock ownership program (esop) shares, at cost | 1,934 | 1,970 | ||
| Treasury stock, at cost (428,773 shares at september 30, 2025 and 282,273 shares at december 31, 2024) | 6,124 | 5,118 | ||
| Total shareholders' equity | 53,535 | 52,869 | ||
| Total liabilities and shareholders' equity | 439,485 | 444,082 | ||
Texas Community Bancshares, Inc. (TCBS)
Texas Community Bancshares, Inc. (TCBS)