Texas Community Bancshares, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026 with the SEC on November 10, 2026, reporting third-quarter net income of $531 thousand and total assets of $446.4 million.

Key Highlights

  • Net income: $531 thousand for the three months ended September 30, 2026, compared to $680 thousand for the same period in 2025.
  • Nine-month net income: $2.337 million for the nine months ended September 30, 2026, up from $2.001 million for the nine months ended September 30, 2025.
  • Total assets: $446.446 million at September 30, 2026, compared to $429.842 million at December 31, 2025.
  • Net interest income: $3.726 million for Q3 2026, compared to $3.277 million for Q3 2025.
  • Total deposits: $358.954 million at September 30, 2026, up from $327.904 million at December 31, 2025.
  • Shares outstanding: 2,867,227 shares of common stock outstanding as of November 9, 2026.
  • Basic earnings per share: $0.20 for Q3 2026, compared to $0.25 for Q3 2025; $0.88 for the nine months ended September 30, 2026, compared to $0.71 for the same prior-year period.

Texas Community Bancshares Financial Results for the Quarter Ended September 30, 2026

According to the filing, Texas Community Bancshares, Inc. (NASDAQ:TCBS), headquartered at 215 West Broad Street, Mineola, Texas, reported net income of $531 thousand for the three months ended September 30, 2026, a decrease from $680 thousand in the comparable prior-year quarter. For the nine months ended September 30, 2026, the company reported net income of $2.337 million, up from $2.001 million for the nine months ended September 30, 2025. Diluted earnings per share were $0.19 for Q3 2026 and $0.86 for the nine-month period, the filing disclosed.

The filing reported total interest income of $5.964 million for Q3 2026, compared to $5.564 million in Q3 2025, while total interest expense decreased to $2.238 million from $2.287 million over the same comparison period. Net interest income for the quarter came to $3.726 million, up from $3.277 million in Q3 2025. Total noninterest income was $273 thousand for Q3 2026, compared to $1.127 million in Q3 2025, with the filing noting a fair value adjustment to other real estate owned of negative $422 thousand in Q3 2026 versus a positive $547 thousand in Q3 2025. Total noninterest expense was $3.395 million for Q3 2026, compared to $3.151 million for Q3 2025, according to the filing.

On the balance sheet, the filing reported total assets of $446.446 million at September 30, 2026, up from $429.842 million at December 31, 2025. Net loans receivable were $307.303 million, with an allowance for credit losses of $3.536 million. Total deposits grew to $358.954 million from $327.904 million at year-end 2025. Advances from the Federal Home Loan Bank declined to $29.360 million from $45.669 million. Total shareholders' equity was $54.726 million at September 30, 2026, compared to $53.757 million at December 31, 2025. The company reported accumulated other comprehensive loss of $4.180 million and treasury stock of $7.197 million, representing 492,741 shares, the filing stated. The registrant identified itself as a non-accelerated filer, smaller reporting company, and emerging growth company.

What Was Disclosed

Texas Community Bancshares filed its quarterly report covering the period ended September 30, 2026, disclosing Q3 net income of $531 thousand, total assets of $446.446 million, total deposits of $358.954 million, and basic earnings per share of $0.20 for the quarter.