Texas Community Bancshares (NASDAQ: TCBS) is a community banking holding company that operates Broadstreet Bank, SSB, a Texas state savings bank focused on real estate and commercial lending. Revenue is generated primarily through net interest income, the spread between interest earned on loans and securities and interest paid on deposits and borrowings. The bank has operated as a community institution since its founding in 1934, with lending concentrated in the Dallas-Fort Worth Metroplex. As of December 31, 2025, one-to-four family residential mortgage loans totaled $140.4 million, representing 45.8% of total loans. Loan originations for FY2025 totaled $86.7 million, spanning residential mortgage, commercial real estate, interim construction, farmland, municipal, and commercial and industrial categories. The bank funds its loan portfolio primarily through deposits gathered from individuals and businesses in its local market area and generally retains originated loans rather than selling them. As of March 19, 2026, there were 2,885,392 shares of common stock outstanding and 535 stockholders of record.

Revenue model

Net interest income from the spread between yields on interest-earning assets (loans, securities, interest-bearing deposits) and rates paid on interest-bearing liabilities (deposits, borrowings). Average interest-bearing deposits were $288.4 million in FY2025 at an average cost of 2.46%. Interest expense totaled $9.2 million for FY2025.

Products and services

One-to-four family residential mortgage loans ($140.4 million, 45.8% of total loans at December 31, 2025); commercial real estate loans; interim construction loans (portfolio of 54 loans with funded balances of $23.9 million at December 31, 2025); multifamily loans; land and development loans; farmland loans ($9.7 million originated in FY2025); municipal loans; commercial and industrial loans; consumer and other loans. Deposit products including interest-bearing demand deposits, money market deposits, regular savings, and certificates of deposit.

Customers and end markets

Individuals and businesses in the Dallas-Fort Worth Metroplex. End markets include owner-occupied residential real estate, residential construction (including speculative residential loans), commercial real estate, agriculture (farmland), municipal borrowers, and commercial and industrial borrowers.

Value-chain role

Community bank and deposit-taking institution. Originates and retains loans in portfolio rather than selling to secondary market as standard practice. Serves as direct lender and deposit gatherer for local market customers.

Geographic exposure

Dallas-Fort Worth Metroplex, Texas. Operations conducted through Broadstreet Bank, SSB, a Texas state savings bank.

Source: SEC 10-K, filed 2026-03-25

Industry: Savings Institutions, Not Federally Chartered Peers: Bancorp 34 Inc CFSB Bancorp, Inc. /MA/ HV Bancorp, Inc. Income Opportunity Realty Investors Inc Kentucky First Federal Bancorp Quaint Oak Bancorp Inc Rocket Companies Inc