Texas Community Bancshares Inc 2026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 were 2,885,392 shares, par value $0.01 per share, of the Registrant’s common stockoutstanding as of May 7, 2026. Texas Community Bancshares,Inc.Form10-Q Table of Contents PARTI. FINANCIAL INFORMATIONItem1.Financial Statements1Consolidated Statements of Financial Condition at March 31, 2026 (unaudited)and December 31, 20251Consolidated Statements of Operations for the Three Months Ended March 31,2026 and 2025 (unaudited)2Consolidated Statements of Comprehensive Income (Loss) for the ThreeMonths Ended March 31, 2026 and 2025 (unaudited)3Consolidated Statements of Shareholders’ Equity for the Three Months EndedMarch 31, 2026 and 2025 (unaudited)4Consolidated Statements of Cash Flows for the Three Months Ended March 31,2026 and 2025 (unaudited)5Notesto Consolidated Financial Statements (unaudited)6Item2.Management’s Discussion and Analysis of Financial Condition and Results ofOperations28Item3.Quantitative and Qualitative Disclosures About Market Risk40Item4.Controls and Procedures41PART II. OTHER INFORMATIONItem1.Legal Proceedings42Item1A.Risk Factors42Item2.Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchasesof Equity Securities42Item3.Defaults Upon Senior Securities42Item4.Mine Safety Disclosures42Item5.Other Information42Item6.Exhibits43Signatures44 PARTI– FINANCIAL INFORMATION Texas Community Bancshares, Inc. and SubsidiariesConsolidated Statements of Financial ConditionMarch 31, 2026 and December 31, 2025(Amounts in thousands, except share and per share data) March31,December31,20262025(unaudited)AssetsCash and due from banks$3,222$3,876Federal funds sold3,2322,574Cash and cash equivalents6,4546,450Interest bearing deposits in banks10,0835,509Securities available for sale60,07059,893Securities held to maturity, net of allowance for credit losses of $0 (fair values of $15,859 atMarch31,2026 and $16,744 at December31,2025)17,52118,283Loans receivable, net of allowance for credit losses of $3,437 at March31,2026 and $3,440 atDecember31,2025297,463301,986Net investment in direct financing leases1,0381,219Accrued interest receivable1,6831,888Premises and equipment, net13,12111,459Bank-owned life insurance6,5876,544Other real estate owned9,1049,271Restricted investments carried at cost2,8052,773Deferred income taxes1,7721,814Other assets2,7452,753$430,446$429,842Liabilities and Shareholders' EquityLiabilitiesNoninterest bearing$48,658$45,871Interest bearing283,299282,033Total deposits331,957327,904Advances from Federal Home Loan Bank (FHLB)41,56745,669Accrued expenses and other liabilities2,6882,512Total liabilities376,212376,085Shareholders' EquityPreferred stock, $0.01 par value, 1,000,000 shares authorized, none issued and outstanding——Common stock, $0.01 par value, 19,000,000 shares authorized, 3,364,633 issued and 2,885,392outstanding at March31,2026 and 3,366,516 issued and 2,887,275 outstanding atDecember31,20253434Additional paid in capital33,25733,198Retained earnings33,10532,412Accumulated other comprehensive loss(3,372)(3,063)Unearned Employee Stock Ownership Program (ESOP) shares, at cost(1,850)(1,884)Treasury stock, at cost (479,241 shares at March31,2026 and December31,2025)(6,940)(6,940)Total shareholders' equity54,23453,757$