Financial insights of TCBS

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$836K
EPS
$0.31
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans, including fees	4,654	4,767*	4,334	4,271
Taxable	726	947*	1,055	945
Non taxable	36	38*	45	47
Dividends on restricted investments	34	49*	35	44
Federal funds sold	61	51*	49	55
Deposits with banks	59	86*	46	112
Financial derivative	-	-2*	-	-
Total interest income	5,570	5,935*	5,564	5,474
Deposits	1,648	1,739*	1,781	1,797
Advances from fhlb	489	556*	504	501
Other	2	3*	2	2
Total interest expense	2,139	2,297*	2,287	2,300
Net interest income	3,431	3,638*	3,277	3,174
Provision for credit losses - loans	6	61*	487	-37
Provision (credit) for credit losses - off-balance sheet credit exposures	-	103*	-	-5
Provision for credit losses	6	164*	487	-42
Net interest income after provision for credit losses	3,425	3,474*	2,790	3,216
Service charges on deposit accounts	180	180*	188	178
Other service charges and fees	275	289*	293	284
Net gain on securities transactions	-	29*	-	-
Net gain on sale of other real estate owned	-25	10*	-17	-2
Gain on equity investment	-	-	-	73
Fair value adjustments to other real estate owned	-	-199*	547	-
Net appreciation on bank-owned life insurance	43	47*	42	42
Gain on other investment	-	50*	-	-
Other income	225	115*	74	4
Total noninterest income	698	520*	1,127	579
Salaries and employee benefits	1,643	1,830*	1,566	1,569
Occupancy and equipment expense	288	243*	304	266
Data processing	277	242*	270	244
Technology expense	134	28*	104	76
Contract services	69	67*	67	63
Director fees	53	62*	53	71
Other expense	704	541*	787	684
Total noninterest expense	3,168	3,012*	3,151	2,973
Income before income taxes	955	982*	766	822
Income tax expense	119	177*	86	144
Net income	836	805	680	678

Basic EPS	0.32	0.312	0.25	0.24
Diluted EPS	0.31	0.29	0.24	0.23
Basic Average Shares	2,645,472	2,583,573	2,769,294	2,828,769
Diluted Average Shares	2,736,745	2,777,817	2,865,622	2,922,938

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$836K
EPS
$0.31
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income$836KEPS$0.31Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$836K
EPS
$0.31
Unit: Thousand (K) dollars