| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 14,219 | 8,724 |
| Provision for credit losses | 4,695 | 2,692 |
| Depreciation and amortization | 181 | 121 |
| (accretion of discount) amortization of premium on loans | 18 | 12 |
| Securities premium amortization (discount accretion), net | -5 | 0 |
| Origination of loans held for sale | 104,469 | 82,456 |
| Proceeds from payments and sales of loans held for sale | 988 | 834 |
| Gain on sale of loans | 0 | - |
| Stock based compensation | 83 | 55 |
| Deferred income taxes | -656 | -124 |
| Servicing assets, net | 86 | 79 |
| Other assets | 4,571 | -1,180 |
| Other liabilities | 4,082 | 796 |
| Net cash used in operating activities | -85,375 | -68,111 |
| Purchase of securities available for sale | 501,967 | 301,990 |
| Principal payments, calls and maturities of securities available for sale | 501,236 | 300,171 |
| Principal payments of securities held to maturity | -832 | -140 |
| Purchase of securities, restricted | 17,078 | 8,574 |
| Proceeds from sale of securities, restricted | 18,764 | 10,265 |
| Net change in loans | -2,310 | 15,762 |
| Purchases of premises and equipment | 14 | 7 |
| Net cash provided by (used in) investing activities | 4,083 | -15,757 |
| Net change in demand deposits | 29,773 | 14,852 |
| Net change in time deposits | 170,988 | 127,083 |
| Proceeds from borrowed funds | 434,400 | 225,800 |
| Repayment of borrowed funds | 444,400 | 235,800 |
| Dividends paid on common stock | 2,033 | 1,355 |
| Dividends paid on series b preferred stock | 1,488 | 995 |
| Purchase of treasury stock at cost | 5,705 | 5,705 |
| Repurchase of stock options | 0 | - |
| Net cash provided by financing activities | 181,535 | 123,880 |
| Net change in cash and cash equivalents | 100,243 | 40,012 |
| Cash and cash equivalents at beginning of period | 63,723 | - |
| Cash and cash equivalents at end of period | 163,966 | - |
Tectonic Financial, Inc. (TECTP)
Tectonic Financial, Inc. (TECTP)