Welcome to our dedicated page for Texas Community Bancshares SEC filings (Ticker: TCBS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Texas Community Bancshares, Inc. (NASDAQ: TCBS), the Maryland-incorporated holding company for Broadstreet Bank, SSB. Through these filings, investors can review how the company reports its financial condition, results of operations, capital management, and governance matters.
Texas Community Bancshares files current reports on Form 8-K to disclose material events. Recent 8-K filings have covered topics such as the authorization of new stock repurchase programs, unaudited consolidated financial results for quarterly and semiannual periods, and a Chief Financial Officer transition. These filings often incorporate related press releases as exhibits, providing narrative explanations alongside summary financial tables.
In addition to 8-Ks, investors can use this page to locate the company’s periodic reports, including annual reports on Form 10-K and quarterly reports on Form 10-Q, when available. Those documents typically include detailed discussions of net interest income, noninterest income and expense, loan portfolio composition, asset quality metrics, funding sources such as deposits and Federal Home Loan Bank of Dallas advances, and regulatory capital ratios. They also describe risk factors, management’s discussion and analysis, and notes to the financial statements.
Filings related to executive employment arrangements and compensation are also important for understanding governance. For example, an 8-K has described a Retirement Transition and Consulting Agreement for the outgoing Chief Financial Officer and an Employment Agreement for the incoming CFO, including salary, severance, change-in-control protections, and non-solicitation provisions.
On Stock Titan, these SEC documents are updated from EDGAR and paired with AI-powered summaries that highlight key points, explain technical language, and surface notable items such as capital actions, changes in asset quality, or significant contractual arrangements. Users can quickly scan the AI insights, then open the full filings for deeper review of Texas Community Bancshares’ regulatory disclosures.
Texas Community Bancshares, Inc., holding company for Broadstreet Bank, calls its 2026 annual stockholder meeting for May 19, 2026 in Mineola, Texas. Stockholders will vote on electing three directors for three-year terms and ratifying Forvis Mazars, LLP as independent auditor for 2026.
The company highlights 2025 as a year of efficiency gains and balance sheet “rightsizing,” leading to its highest annual ROA and ROE in the past decade. Management reports expanded net interest margin, higher yields, reduced non-core funding, and technology upgrades that improved customer access, satisfaction and internal controls.
Two large secured credits deteriorated and related collateral was moved to real estate owned, but management describes the multifamily property as nearly fully leased and the DFW-area land as highly marketable, with nonperforming loans reverting to historic levels. The board is being reduced from nine to seven members, with three nominees—Jason Sobel, Anthony R. Scavuzzo and Bryan Summerville—standing for election.
Texas Community Bancshares, Inc. is a Texas-focused community bank holding company with $429.8 million in assets, $303.2 million in net loans and $327.9 million in deposits as of December 31, 2025. Lending is concentrated in one- to four-family residential mortgages ($140.4 million, 45.8% of loans), commercial real estate ($61.5 million), and construction and land loans ($48.4 million), with growing exposure to Dallas–Fort Worth borrowers.
Credit quality has weakened: nonperforming assets rose to $11.4 million, or 2.65% of total assets, driven by $9.3 million of real estate owned. Nonaccrual loans totaled $2.0 million. The allowance for credit losses was $3.44 million, equal to 1.12% of total loans and 161% of nonperforming loans, after $736,000 of provision expense and net charge-offs of 0.17% of average loans.
The bank is funded mainly by core deposits, with noninterest-bearing deposits of $45.9 million and certificates of deposit of $133.8 million; uninsured deposits were $45.8 million. Borrowings include $45.7 million in Federal Home Loan Bank advances and $100.3 million of unused FHLB capacity. The company also manages a securities portfolio of available-for-sale and held-to-maturity mortgage-backed, municipal, corporate and agency securities.
Texas Community Bancshares, Inc. received an updated ownership report showing that the Broadstreet Bank, SSB Employee Stock Ownership Plan Trust, with Community Bank of Pleasant Hill dba First Trust of MidAmerica as trustee, beneficially owns 248,146 shares of common stock, representing 8.6% of the company.
The trust has sole voting power over 188,381 shares and shared voting power over 59,765 shares. It holds sole dispositive power over all 248,146 shares and no shared dispositive power. The filing states these shares were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of the company.
Texas Community Bancshares, Inc. announced that its board of directors has approved a new stock repurchase program authorizing the company to buy back up to 144,364 shares of its common stock, equal to approximately 5% of its outstanding shares as of December 16, 2025.
The company also reported that, as of the same date, it had completed the prior repurchase program, having bought back 153,083 shares of its common stock. These repurchases reduce the number of shares available in the market, which can increase each remaining shareholder’s ownership percentage.
Texas Community Bancshares (TCBS) announced a CFO transition. Julie Sharff will retire as Chief Financial Officer effective at the close of business on December 1, 2025. She will remain a full‑time employee as Senior Vice President through February 20, 2026, then serve as a consultant through May 8, 2026. During the transition, she will receive her current base salary through December 31, 2025, $20,000 total for January–February 2026, COBRA reimbursements for up to 12 months if elected, and a $100,000 lump‑sum after executing a release. Consulting fees include two installments of $25,000 each, subject to reduction upon a specified restatement condition tied to a date in 2026.
Jason McCrary, CPA, will become CFO effective upon Sharff’s retirement. McCrary’s employment agreement starts on December 1, 2025 with an initial one‑year term, renewing annually, and an automatic two‑year runway upon a change in control. His annual base salary is $150,000, with eligibility for bonuses and benefits. Severance includes lump‑sum payments of accrued amounts plus remaining‑term pay (and COBRA reimbursements) for certain terminations, and two times base salary and average bonus if terminated within two years following a change in control.
Texas Community Bancshares (TCBS) reported higher profitability in Q3 2025. Net income was $680 thousand versus $515 thousand a year ago, and year‑to‑date net income reached $2.0 million compared with a loss of $1.8 million in 2024. Net interest income was $3.28 million for the quarter and $9.78 million year‑to‑date.
Credit costs rose as provision for credit losses increased to $487 thousand in Q3 and $558 thousand year‑to‑date, partly offset by lower interest expense year‑to‑date. Noninterest income improved to $1.13 million in Q3, aided by fair value adjustments on other real estate owned (OREO); OREO rose to $9.27 million from $480 thousand at year‑end. Noninterest expense was $3.15 million in Q3.
Total assets were $439.5 million. Loans receivable, net, were $283.7 million and deposits totaled $334.2 million. Unrealized losses on securities narrowed as accumulated other comprehensive loss improved to $(3.26) million. The company repurchased 62,000 shares in Q3 and 146,500 year‑to‑date, and declared a $0.04 per share dividend in Q3. Shares outstanding were 2,914,743 as of November 5, 2025.
AllianceBernstein L.P. reports beneficial ownership of 157,682 shares of Texas Community Bancshares common stock, representing 5.2% of the class. The filing states these shares are held with sole voting and sole dispositive power and were acquired solely for investment purposes on behalf of client discretionary advisory accounts.
The reporting person is identified as an investment adviser organized in Delaware and discloses that AllianceBernstein operates under independent management despite majority ownership by Equitable Holdings. The filing indicates no shared voting or dispositive power and records no group affiliation or subsidiary acquisition for this position. The filer certifies the securities were acquired in the ordinary course of business and not to influence control of the issuer.