--- title: "Texas Community Bancshares | 10-K: FY2025 Revenue: USD 25.57 M" type: "News" locale: "en" url: "https://longbridge.com/en/news/280526280.md" datetime: "2026-03-25T20:41:20.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/280526280.md) - [en](https://longbridge.com/en/news/280526280.md) - [zh-HK](https://longbridge.com/zh-HK/news/280526280.md) generator: "portal-rs" --- # Texas Community Bancshares | 10-K: FY2025 Revenue: USD 25.57 M Revenue: As of FY2025, the actual value is USD 25.57 M. EPS: As of FY2025, the actual value is USD 1. EBIT: As of FY2025, the actual value is USD -9.95 M. Texas Community Bancshares, Inc. operates as a single reportable operating segment, Broadstreet Bank, SSB, which generates revenue primarily from interest income and non-interest income and service charges on deposit accounts . #### Segment Revenue - **Net Interest Income**: Increased by $764,000, or 6.1%, to $13,314,000 for the year ended December 31, 2025, from $12,550,000 for the year ended December 31, 2024 . #### Operational Metrics - **Net Income (Loss)**: Net income was $2,842,000 for the year ended December 31, 2025, compared to a net loss of - $1,305,000 for the year ended December 31, 2024, representing an increase of $4,147,000 . - **Net Interest Rate Spread**: Increased by 29 basis points, or 11.5%, to 2.80% for the year ended December 31, 2025, from 2.51% for the year ended December 31, 2024 . - **Net Interest Margin**: Increased by 28 basis points to 3.26% for the year ended December 31, 2025, from 2.98% for the year ended December 31, 2024 . - **Provision for Credit Losses**: Was $831,000 for the year ended December 31, 2025, compared to $158,000 for the year ended December 31, 2024, an increase of $673,000 or 425.9% . - **Noninterest Expense**: Decreased by $72,000, or 0.6%, to $12,198,000 for the year ended December 31, 2025, from $12,270,000 for the year ended December 31, 2024 . - **Efficiency Ratio**: Was 74.41% for the year ended December 31, 2025, compared to 115.24% for the year ended December 31, 2024 . #### Cash Flow - **Net Cash from Operating Activities**: Was $1,367,000 for the year ended December 31, 2025, compared to $1,941,000 for the year ended December 31, 2024 . #### Unique Metrics ##### Loan Portfolio Composition - **Total Loans**: Increased to $306,645,000 at December 31, 2025, from $296,930,000 at December 31, 2024 . - **1-4 Family Residential & Multi-family Loans**: Decreased by $4,742,000, or 3.0%, to $151,326,000 (49.4% of total loans) at December 31, 2025, from $156,068,000 (52.5% of total loans) at December 31, 2024 . - **Commercial Real Estate Loans**: Increased by $5,458,000, or 9.7%, to $61,526,000 (20.1% of total loans) at December 31, 2025, from $56,068,000 (18.9% of total loans) at December 31, 2024 . - **Construction & Land Loans**: Decreased by $5,764,000, or 10.7%, to $48,372,000 (15.8% of total loans) at December 31, 2025, from $54,136,000 (18.2% of total loans) at December 31, 2024 . - **Farmland Loans**: Increased by $7,545,000, or 79.1%, to $17,085,000 (5.6% of total loans) at December 31, 2025, from $9,540,000 (3.2% of total loans) at December 31, 2024 . - **Municipal Loans**: Increased by $5,637,000, or 60.9%, to $14,890,000 (4.8% of total loans) at December 31, 2025, from $9,253,000 (3.1% of total loans) at December 31, 2024 . - **Commercial Loans**: Increased by $2,498,000, or 39.6%, to $8,813,000 (2.8% of total loans) at December 31, 2025, from $6,315,000 (2.1% of total loans) at December 31, 2024 . ##### Asset Quality - **Total Nonperforming Assets**: Increased to $11,407,000 at December 31, 2025, from $2,740,000 at December 31, 2024 . - **Total Nonperforming Assets to Total Assets**: This ratio increased to 2.65% at December 31, 2025, from 0.62% at December 31, 2024, primarily due to the foreclosure of a multi-family property . - **Allowance for Credit Losses to Total Loans**: This ratio was 1.12% at December 31, 2025, compared to 1.09% at December 31, 2024 . ##### Capital Ratios - **Community Bank Leverage Ratio**: Broadstreet Bank’s community bank leverage ratio was 11.74% at December 31, 2025, exceeding the 9.0% required to be considered “well capitalized” . #### Outlook / Guidance Texas Community Bancshares, Inc. expects real estate lending to remain a primary focus, expanding to include more commercial real estate as part of its strategic plan, while generally retaining originated loans in its portfolio . The company intends to grow assets organically and prudently diversify its loan portfolio, including an increased focus on commercial real estate and construction and land lending, while maintaining strong asset quality and managing credit risk . The company also plans to increase core deposits and explore opportunistic acquisitions or branching to enhance franchise value and stockholder returns, with sufficient funds anticipated to meet current funding commitments . ### Related Stocks - [TCBS.US](https://longbridge.com/en/quote/TCBS.US.md) ## Related News & Research - [Texas Community Bancshares catat laba bersih kuartal II FY26 naik 43,1% jadi USD 970.000](https://longbridge.com/en/news/295577246.md) - [Select Water targets upper end of 2026 Water Infrastructure revenue growth guidance of 25%-30%](https://longbridge.com/en/news/296273952.md) - [Cell C publishes pro forma financials after Comm Equipment Company merger](https://longbridge.com/en/news/296585930.md) - [Higher Rates Could Reshape These 3 US Regional Bank Stocks](https://longbridge.com/en/news/296546098.md) - [Canadian Banc declares monthly distribution of $0.22 per Class A share, $0.05 per preferred share](https://longbridge.com/en/news/296359735.md) --- > **Disclaimer: This article is for reference only and does not constitute any investment advice.**