Texas Community Bancshares Inc 2025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 or 15(d)ofthe Securities Exchange Act of 1934 during the preceding 12months (or for such shorter period that the registrant wasrequired 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 to besubmitted pursuant to Rule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12months (or suchshorter 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, asmaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,”“accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule12b-2 of the Exchange Act. Emerging growth company☒ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transitionperiod for complying with any new or revised financial accounting standards provided pursuant to Section13(a)of theExchange Act.☒ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment ofthe effectiveness of its internal control over financial reporting under Section404(b)of the Sarbanes-Oxley Act (15U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.☐ 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 analysis ofincentive-based compensation received by any of the registrant’s executive officers during the relevant recovery periodpursuant to § 240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act).Yes☐No☒ As of June30, 2025, the aggregate market value of the voting and non-voting common equity held by non-affiliates ofthe registrant was $36,371,226. As of March25, 2026, 2,885,392 shares of the registrant’s common stock were outstanding. DOCUMENTS INCORPORATED BY REFERENCE Portions of the Registrant’s Definitive Proxy Statement for the 2026 Annual Meeting of Stockholders are incorporatedby reference into Part III of this annual report. TABLE OF CONTENTS PARTI4ITEM1.Business4ITEM1A.Risk Factors30ITEM1B.Unresolved Staff Comments30ITEM 1C.Cybersecurity30ITEM2.Properties32ITEM3.Legal Proceedings32ITEM4.Mine Safety Disclosures32PARTII33ITEM5.Market for Registrant’s Common Equity, Related Stockholder Matters and IssuerPurchases of Equity Securities33ITEM6.[Reserved]33ITEM7.Management’s Discussion and Analysis of Financial Condition and Results ofOperations33ITEM7A.Quantitative and Qualitative Disclosures About Market Risk51ITEM8.Financial Statements and Supplementary Data52ITEM9.Changes In and Disagreements With Accountants on Accounting and FinancialDisclosure102ITEM9A.Controls and Procedures102ITEM9B.Other Information103ITEM9C.Disclosure Regarding Foreign Jurisdictions that Prevent Inspections103PARTIII103ITEM10.Directors, Executive Officers and Corporate Governance103ITEM11.Executive Compensation103ITEM12.Security Ownership of Certain Beneficial Owners and Management and RelatedStockholder Matters103ITEM13.Certain Relationships and Related Transactions, and Director Independence104ITEM14.Principal Accountant Fees and Services104PARTIV105ITEM15.Exhibits and Financial Statement Schedules105ITEM16.Form10-K Summary105SIGNATURES106 PARTI ITEM1.Business Forward Looking Statements This annual report contains forward-looking statements, which can be identified by the use ofwords such as such “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect,”“will,” “would,” “should,” “could” or “may,” and words of similar meaning. These forward-lookingstatements 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 competitive uncertaintiesand contingencies, many of which are beyond our control. In addition, these forward-looking statementsare subject to assumptions with respect to