Texas Community Bancshares, Inc. (TCBS) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	26.2M	25.6M	20.8M	19.3M	14.4M
Cost of Revenue	9.7M	10.0M	10.1M	8.3M	2.5M
Gross Profit	16.5M	15.6M	10.8M	11.1M	11.9M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	7.3M	7.2M	7.1M	7.5M	6.2M
General & Admin Expense	7.3M	7.2M	7.1M	7.5M	6.2M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	5.3M	5.0M	5.4M	4.5M	3.6M
Total Operating Expenses	12.6M	12.2M	12.6M	12.0M	9.8M
Cost and Expenses	22.3M	22.2M	22.6M	20.3M	12.3M
Operating Income (EBIT)	3.9M	3.4M	(1.8M)	(937.0K)	2.2M
Non-Operating
Interest Income	22.7M	22.5M	22.2M	18.8M	12.5M
Interest Expense	8.9M	9.2M	9.9M	7.9M	2.3M
Net Interest Income	13.9M	13.3M	12.3M	10.9M	10.2M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	3.9M	3.4M	(1.8M)	(937.0K)	2.2M
Income Tax Expense	568.0K	522.0K	(476.0K)	(204.0K)	423.0K
Bottom Line
Net Income	3.3M	2.8M	(1.3M)	(733.0K)	1.8M
Earnings from Cont. Ops	3.3M	2.8M	(1.3M)	(733.0K)	1.8M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	3.3M	2.8M	(1.3M)	(733.0K)	1.8M
Per Share
Basic EPS	$1.20	$1.04	($0.45)	($0.24)	$0.58
Diluted EPS	$1.17	$1.00	($0.44)	($0.24)	$0.58
Revenue Per Share	$9.90	$9.38	$7.15	$6.31	$4.76
Shares
Basic Shares Outstanding	2.7M	2.7M	2.9M	3.1M	3.0M
Diluted Shares Outstanding	2.7M	2.9M	3.0M	3.1M	3.0M
Profitability Metrics
EBITDA	4.3M	4.0M	(1.2M)	(515.0K)	2.6M
D&A	423.0K	593.0K	572.0K	422.0K	431.0K
EBIT	3.9M	3.4M	(1.8M)	(937.0K)	2.2M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026