The bank maintains a stable capital position with an equity-to-assets ratio of 13% while actively rotating its $375.1M investment securities portfolio into higher-yielding loan assets.
| Cash & Short Term Investments | 258.61M | 50.92M | 88.92M | 111.04M | 116.11M | 77.41M | 32.95M | 33.6M |
| Cash & Due from Banks | 3.22M | 9.38M | 13.73M | 17.71M | 8.95M | 20.61M | 19.98M | 22.89M |
| Short Term Investments | 60.07M | 41.54M | 75.19M | 93.33M | 107.15M | 56.8M | 12.97M | 10.71M |
| Total Investments | 375.05M | 380.16M | 390.12M | 399.36M | 386.25M | 310.64M | 260.53M | 227.1M |
| Investments Growth % | -7% | -2.55% | -2.31% | 3.39% | 24.34% | 19.23% | 14.72% | - |
| Long-Term Investments | 1.33B | 338.62M | 314.93M | 306.03M | 279.1M | 253.84M | 247.57M | 216.38M |
| Accounts Receivables | 1.68M | 1.66M | 1.67M | 1.7M | 1.33M | 931K | 963K | 832.82K |
| Goodwill & Intangibles | 0 | 0 | 132K | 265K | 397K | 537K | 673K | 810K |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 132K | 265K | 397K | 537K | 673K | 810K |
| PP&E (Net) | 13.12M | 11.46M | 11.53M | 11.61M | 6.3M | 6.21M | 6.38M | 6.08M |
| Other Assets | 77.4M | 25.36M | 22.05M | 18.91M | 11.75M | 25.14M | 10.82M | 9.64M |
| Total Current Assets | 4.91M | 52.58M | 92.14M | 112.8M | 117.5M | 78.44M | 33.94M | 34.49M |
| Total Non-Current Assets | 425.54M | 377.26M | 351.32M | 339.24M | 299.85M | 286.38M | 265.69M | 233.07M |
| Total Assets | 430.45M | 429.84M | 443.46M | 452.04M | 417.35M | 364.83M | 299.64M | 267.56M |
| Asset Growth % | -8.86% | -3.07% | -1.9% | 8.31% | 14.4% | 21.76% | 11.99% | - |
| Return on Assets (ROA) | 0.7% | 0.65% | -0.29% | -0.17% | 0.45% | 0.16% | 0.26% | 0.4% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 41.57M | 45.67M | 49.88M | 76.9M | 62.49M | 27.57M | 30.77M | 31.14M |
| Net Debt | 38.34M | 36.28M | 36.14M | 59.19M | 53.54M | 6.96M | 10.79M | 8.25M |
| Long-Term Debt | 41.57M | 45.67M | 49.88M | 76.9M | 62.49M | 27.57M | 30.77M | 31.14M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 334.64M | 2.51M | 5.64M | 4.22M | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 331.96M | 327.9M | 335.83M | 317.24M | 298.98M | 277.12M | 236.93M | 205.36M |
| Total Non-Current Liabilities | 376.21M | 48.18M | 55.52M | 81.11M | 62.49M | 27.57M | 30.77M | 31.14M |
| Total Liabilities | 376.21M | 376.08M | 391.35M | 398.36M | 361.48M | 304.69M | 267.7M | 236.51M |
| Total Equity | 54.23M | 53.76M | 52.11M | 53.69M | 55.87M | 60.13M | 31.94M | 31.05M |
| Equity Growth % | 9.64% | 3.16% | -2.94% | -3.9% | -7.09% | 88.27% | 2.85% | - |
| Equity / Assets (Capital Ratio) | 12.6% | 12.51% | 11.75% | 11.88% | 13.39% | 16.48% | 10.66% | 11.61% |
| Return on Equity (ROE) | 5.66% | 5.37% | -2.47% | -1.34% | 3.02% | 1.13% | 2.38% | 3.4% |
| Book Value per Share | 18.79 | 18.83 | 17.45 | 17.53 | 18.45 | 20.03 | 6.71 | 6.52 |
| Tangible BV per Share | 18.79 | 18.83 | 17.41 | 17.44 | 18.32 | 19.85 | 6.57 | 6.35 |
| Common Stock | 34K | 34K | 34K | 34K | 33K | 33K | 0 | 0 |
| Additional Paid-in Capital | 33.26M | 33.2M | 32.49M | 31.67M | 31.1M | 30.93M | 0 | 0 |
| Retained Earnings | 33.1M | 32.41M | 30.16M | 31.97M | 34.08M | 32.33M | 31.81M | 31.06M |
| Accumulated OCI | -3.37M | -3.06M | -4.77M | -5.59M | -7M | -686K | 128K | -8.1K |
| Treasury Stock | -6.94M | -6.94M | -3.78M | -2.2M | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Urban CRE concentration risk
As reported in recent financial statements, TCBS has maintained total assets near $430M while actively rotating its portfolio from a $399.4M securities base in 2023Q4 to $375.1M by 2026Q1, signaling a strategic pivot toward deploying capital into higher-yielding loan assets within the DFW market.
The gradual reduction in the investment securities portfolio suggests management is attempting to improve asset sensitivity and yield. This transition appears necessary to offset the bank's historical reliance on low-yielding fixed-income instruments, though it introduces greater credit risk as the bank moves away from passive holdings.
Based on the bank's reported figures, the equity-to-assets ratio has remained stable at approximately 12% to 13% over the last ten quarters, providing a sufficient capital cushion to support the ongoing geographic expansion into the competitive DFW Metroplex without immediate dilution of shareholder value.
Maintaining a consistent capital ratio despite the transition to a public entity indicates a disciplined approach to balance sheet management. Investors should monitor whether this capital level remains adequate as the bank increases its exposure to higher-risk construction and commercial real estate lending.
According to quarterly balance sheet data, cash and cash equivalents fluctuated significantly, peaking at $34.4M in 2024Q1 before settling at $3.2M in 2026Q1, reflecting the bank's active use of its securities portfolio as a primary liquidity buffer to fund loan growth and operational requirements.
The volatility in cash balances suggests that the bank relies heavily on the liquidity of its investment portfolio to manage day-to-day funding needs. This strategy warrants further investigation, as a sustained period of market stress could limit the bank's ability to liquidate securities without realizing significant losses.
As noted in the bank's financial disclosures, the heavy concentration of assets in investment securities, which totaled $375.1M in 2026Q1, exposes the tangible book value to significant interest rate risk that may not be fully captured in the current market valuation of the bank's equity.
The potential for unrealized losses within the securities portfolio represents a hidden vulnerability that could constrain future lending capacity if interest rates remain elevated. This duration mismatch between long-term securities and the bank's evolving deposit base may create pressure on the bank's ability to maintain its current capital ratios.
Quick answers to the most common questions about buying TCBS stock.
As of 2025, Texas Community Bancshares, Inc. (TCBS) had total assets of $429.8M including $52.6M in current assets.
Texas Community Bancshares, Inc. (TCBS) carries total debt of $45.7M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Texas Community Bancshares, Inc. (TCBS) has total shareholders' equity (book value) of $53.8M ($18.83 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Texas Community Bancshares, Inc. (TCBS) reported a current ratio of 0.16x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.