Texas Community Bancshares Inc 2024年度报告

Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or 15(d)of the Act.Yes◻No⌧ Indicate by check mark whether the registrant: (1)has filed all reports required to be filed by Section13 or15(d)of the Securities Exchange Act of 1934 during the preceding 12months (or for such shorter period that theregistrant was required to file reports), and (2)has been subject to such filing requirements for the past 90days.Yes⌧No◻ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required tobe submitted pursuant to Rule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12months(or such shorter period that the registrant was required to submit such files).Yes⌧No◻ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-acceleratedfiler, a smaller reporting company, or an emerging growth company. See the definitions of “large acceleratedfiler,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule12b-2 of theExchange Act. Large accelerated filer☐Accelerated filer☐Non-accelerated filer☒Smallerreporting company☒ Emerginggrowth company☒ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extendedtransition period for complying with any new or revised financial accounting standards provided pursuant toSection13(a)of the Exchange Act.☒ Indicate by check mark whether the registrant has filed a report on and attestation to its management’sassessment of the effectiveness of its internal control over financial reporting under Section404(b)of theSarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its auditreport.☐ If securities are registered pursuant to Section 12(b) of the Act, indicate by a check mark whether the financialstatements of the registrant included in the filing reflect the correction of an error to previously issued financialstatements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysisof incentive-based compensation received by any of the registrant’s executive officers during the relevantrecovery period pursuant to § 240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the ExchangeAct).Yes☐No☒ As of June30, 2024, the aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant was $33,071,891. As of March25, 2025,3,061,652shares of the registrant’s common stock were outstanding. DOCUMENTS INCORPORATED BY REFERENCE Portions of the Registrant’s Definitive Proxy Statement for the 2025 Annual Meeting of Stockholders areincorporated by reference into Part III of this annual report. TABLE OF CONTENTS PARTI4ITEM1.Business4ITEM1A.Risk Factors29ITEM1B.Unresolved Staff Comments29ITEM 1C.Cybersecurity30ITEM2.Properties31ITEM3.Legal Proceedings31ITEM4.Mine Safety Disclosures31PARTII32ITEM5.Market for Registrant’s Common Equity, Related Stockholder Matters andIssuer Purchases of Equity Securities32ITEM6.[Reserved]32ITEM7.Management’s Discussion and Analysis of Financial Condition and Results ofOperations32ITEM7A.Quantitative and Qualitative Disclosures About Market Risk49ITEM8.Financial Statements and Supplementary Data50ITEM9.Changes In and Disagreements With Accountants on Accounting andFinancial Disclosure100ITEM9A.Controls and Procedures100ITEM9B.Other Information101ITEM9C.Disclosure Regarding Foreign Jurisdictions that Prevent Inspections101PARTIII101ITEM10.Directors, Executive Officers and Corporate Governance101ITEM11.Executive Compensation101ITEM12.Security Ownership of Certain Beneficial Owners and Management andRelated Stockholder Matters101ITEM13.Certain Relationships and Related Transactions, and Director Independence102ITEM14.Principal Accountant Fees and Services102PARTIV103ITEM15.Exhibits and Financial Statement Schedules103ITEM16.Form10-K Summary103SIGNATURES104 PARTI ITEM1.Business Forward Looking Statements This annual report contains forward-looking statements, which can be identified by the useof words such as such “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,”“expect,” “will,” “would,” “should,” “could” or “may,” and words of similar meaning. Theseforward-looking statements include, but are not limited to: ●statements of our goals, intentions and expectations;●statements regarding our business plans, prospects, growth and operating strategies;●statements regarding the quality of our loan and investment portfolios; and●estimates of our risks and future costs and benefits. These forward-looking statements are based on current beliefs and expectations of ourmanagement and are inherently subject to significant business, economic and competitiveuncertainties and contingencies, many of which are beyond our control. In