Texas Community Bancshares Inc 2025年季度报告

215 West Broad Street,Mineola,Texas75773(Address of Principal Executive Offices)(Zip Code) (903)569-2602(Registrant’s Telephone Number, Including Area Code) Not Applicable(Former Name, Former Address and Former FiscalYear, if Changed Since Last Report) Securities registered pursuant to Section12(b)of the Act: 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 periodthat the registrant was required to file such reports), and (2)has been subject to such requirements for thepast 90days.YES⌧NO◻ Indicate by check mark whether the registrant has submitted electronically every Interactive Data Filerequired to be submitted pursuant to Rule405 of Regulation S-T during the preceding 12months (or forsuch 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-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of“largeaccelerated filer,”“accelerated filer,”“smaller reporting company”and“emerging growthcompany” in Rule12b-2 of the Exchange Act. Large accelerated filer◻Non-accelerated filer⌧ Accelerated filer◻Smaller reporting company☒Emerging growth company☒ If an emerging growth company, indicate by check mark if the registrant has elected not to use theextended transition period for complying with any new or revised financial accounting standards providedpursuant to Section13(a)of the Exchange Act.☒ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of theExchange Act). Yes☐No⌧ There were2,914,743shares, par value $0.01 per share, of the Registrant’s common stockoutstanding as of November 5, 2025. Texas Community Bancshares,Inc.Form10-Q Table of Contents PagePARTI. FINANCIAL INFORMATIONItem1.Financial Statements1Consolidated Statements of Financial Condition at September 30, 2025(unaudited) and December 31, 20241Consolidated Statements of Operations for the Three and Nine Months EndedSeptember 30, 2025 and 2024 (unaudited)2Consolidated Statements of Comprehensive Income (Loss) for the Three andNine Months Ended September 30, 2025 and 2024 (unaudited)3Consolidated Statements of Shareholders’ Equity for the Three and NineMonths Ended September 30, 2025 and 2024 (unaudited)4Consolidated Statements of Cash Flows for the Nine Months Ended September30, 2025 and 2024 (unaudited)5Notesto Consolidated Financial Statements (unaudited)6Item2.Management’s Discussion and Analysis of Financial Condition and Results ofOperations29Item3.Quantitative and Qualitative Disclosures About Market Risk46Item4.Controls and Procedures46PART II. OTHER INFORMATIONItem1.Legal Proceedings47Item1A.Risk Factors47Item2.Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchasesof Equity Securities47Item3.Defaults Upon Senior Securities47Item4.Mine Safety Disclosures47Item5.Other Information47Item6.Exhibits48Signatures49 PARTI– FINANCIAL INFORMATION Texas Community Bancshares, Inc. and SubsidiariesConsolidated Statements of Financial ConditionSeptember 30, 2025 and December 31, 2024(Amounts in thousands, except share and per share data) Texas Community Bancshares, Inc. and SubsidiariesConsolidated Statements of Operations (Unaudited) Three and Nine Months Ended September 30, 2025 and 2024(Amounts in thousands, except share and per share data) Texas Community Bancshares, Inc. and SubsidiariesConsolidated Statements of Shareholders’ Equity (Unaudited) Three and Nine months ended September 30, 2025 and 2024(Amounts in thousands, except share and per share data) Texas Community Bancshares, Inc.and SubsidiariesNotes to Consolidated Financial Statements (Unaudited)Three and Nine months ended September 30, 2025 and 2024(Amounts in thousands, except share, per share data, and percentages) Note1-Summary of Significant Accounting Policies General Texas Community Bancshares, Inc. (the “Company”), a Maryland corporation and registered bankholding company, was incorporated on March 5, 2021. The Company became the bank holdingcompany for Broadstreet Bank, SSB (the “Bank”), formerly known as Mineola Community Bank, SSBprior to December 4, 2023, as part of the Bank’s mutual to stock conversion completed on July 14,2021. The Company’s shares trade on the NASDAQ under the symbol TCBS. Voting rights in theCompany are held and exercised exclusively by the shareholders of the Company. The Company’s primary source of revenue is providing loans and banking services to consumers andcommercial customers in Mineola, Texas, and the surrounding area and the Dallas-Fort WorthMetroplex. The accounting and reporting policies of the Company conform with accounting principlesgenerally accepted in the United States of America (GAAP) and to general practices of the bankingindustry. Po