TECTONIC FINANCIAL INC 9.00% FXD/FLTG NON CUM PERP PFD SER B | 10-Q: FY2025 Q3 Revenue: USD 32.39 M

Revenue: As of FY2025 Q3, the actual value is USD 32.39 M.

EPS: As of FY2025 Q3, the actual value is USD 0.73.

EBIT: As of FY2025 Q3, the actual value is USD -3.999 M.

Banking Segment

Revenue

• Total interest income: $20,402,000 for Q3 2025, $56,445,000 for the nine months ended September 30, 2025.

Operational Metrics

• Net interest income: $11,058,000 for Q3 2025, $30,239,000 for the nine months ended September 30, 2025.
• Provision for credit losses: $2,003,000 for Q3 2025, $4,695,000 for the nine months ended September 30, 2025.
• Net income before income tax: $3,895,000 for Q3 2025, $9,942,000 for the nine months ended September 30, 2025.

Other Financial Services Segment

Revenue

• Non-interest income: $11,591,000 for Q3 2025, $35,150,000 for the nine months ended September 30, 2025.

Operational Metrics

• Net income before income tax: $4,856,000 for Q3 2025, $13,650,000 for the nine months ended September 30, 2025.

HoldCo and Other

Operational Metrics

• Net loss before income tax: -$1,692,000 for Q3 2025, -$5,257,000 for the nine months ended September 30, 2025.

Consolidated Metrics

Revenue

• Total interest income: $20,402,000 for Q3 2025, $56,445,000 for the nine months ended September 30, 2025.
• Non-interest income: $11,986,000 for Q3 2025, $36,255,000 for the nine months ended September 30, 2025.

Operational Metrics

• Net interest income: $11,058,000 for Q3 2025, $30,239,000 for the nine months ended September 30, 2025.
• Provision for credit losses: $2,003,000 for Q3 2025, $4,695,000 for the nine months ended September 30, 2025.
• Net income before income tax: $7,059,000 for Q3 2025, $18,335,000 for the nine months ended September 30, 2025.
• Net income available to common shareholders: $5,002,000 for Q3 2025, $12,731,000 for the nine months ended September 30, 2025.

Future Outlook and Strategy

Core Business Focus

• The company aims to continue growing its loan portfolio, particularly in SBA loans, while managing credit risk and maintaining a strong allowance for credit losses.
• Focus on increasing non-interest income through trust, advisory, and brokerage services.

Priority

• Emphasis on maintaining a strong capital position and managing liquidity to support growth and meet regulatory requirements.