Texas Community Bancshares (TCBS) Income Statement

Texas Community Bancshares reported revenue of $16.39M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 56.3% from $10.49M a year earlier. Net income was $2.84M, a net margin of 17.3%. Gross margin was 94.9% and operating margin 20.5%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $4.31M, down 28.8% from the same quarter a year earlier.

Texas Community Bancshares Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Texas Community Bancshares, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Revenue & Gross Profit
Revenue	16.39	10.49	19.33	14.43	10.09	12.36	11.65
Cost of Revenue	10.01	10.06	8.27	2.49	2.17	2.99	2.80
Gross Profit	15.56	10.78	11.06	11.94	10.09	9.37	8.85
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	6.78	2.74	7.47	6.18	2.11	5.18	4.73
Operating Expenses	12.20	12.56	12.00	9.76	9.47	8.42	7.56
Operating Income	3.36	-1.78	-0.94	2.18	0.61	0.94	1.29
Other Income/Expense
Interest Income	22.32	22.23	18.82	12.53	10.51	10.76	9.97
Interest Expense	9.18	9.90	7.91	2.28	2.12	2.51	2.64
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	3.36	-1.78	-0.94	2.18	0.61	0.94	1.29
Income Tax Expense	0.52	-0.48	-0.20	0.42	0.09	0.19	0.23
Net Income	2.84	-1.31	-0.73	1.75	0.52	0.75	1.06
Net Income - Continuous Operations	2.84	-1.31	-0.73	1.75	0.52	0.75	1.06
Net Income - Discontinued Operations	-	-	-	-	-	-	-
EBITDA	0.59	0.57	-0.52	2.61	0.44	1.37	1.71
EBIT	-	-	-	-	-	-	-
Depreciation & Amortization	0.59	0.57	0.42	0.43	0.44	0.43	0.42
Earnings Per Share
Basic EPS	1.00	-	-	1.00	-	-	-
Diluted EPS	1.00	-	-	1.00	-	-	-
Basic Shares Outstanding	2.73	2.92	3.06	3.03	3.00	4.76	4.76
Diluted Shares Outstanding	2.86	2.92	3.06	3.03	3.00	4.76	4.76

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Texas Community Bancshares Financial Statements

What was Texas Community Bancshares's revenue in fiscal 2025?

Texas Community Bancshares reported revenue of $16.39M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 56.3% from $10.49M a year earlier.

Is Texas Community Bancshares profitable?

Yes. Texas Community Bancshares earned net income of $2.84M in fiscal 2025, a net margin of 17.3%. In fiscal 2024 it lost $1.30M.

What is Texas Community Bancshares's operating margin?

Texas Community Bancshares's operating income was $3.36M on revenue of $16.39M in fiscal 2025, an operating margin of 20.5%, compared with -17.0% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition