Texas Community Bancshares, Inc. (TCBS) Balance Sheet
TCBS balance sheet, 2025
December 31, 2025 · U.S. dollars$429.8M assets = $376.1M liabilities + $53.8M equity
Both columns are drawn to the same scale: what TCBS owns equals what it owes plus shareholders’ equity. Hover a block for its value.
TCBS financial health
Descriptive bands, not a rating. Fiscal 2025.
TCBS balance sheet trends, 2019–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $267.6M2019 | $429.8M2025 | +8.2%/yr | |
| Total liabilities | $236.5M2019 | $376.1M2025 | +8.0%/yr | |
| Shareholders’ equity | $31.1M2019 | $53.8M2025 | +9.6%/yr | |
| Cash & short-term investments | $33.6M2019 | $50.9M2025 | +7.2%/yr | |
| Total debt | $31.1M2019 | $45.7M2025 | +6.6%/yr | |
| Net cash (debt) | $2.5M2019 | $5.3M2025 | +$2.8M | |
| Working capital | −$170.9M2019 | −$275.3M2025 | −$104.4M | |
| Book value per share | $6.522019 | $18.832025 | +19.3%/yr | |
| Debt / equity | 1.002019 | 0.852025 | −0.15 | |
| Shares outstanding | 4.8M2019 | 2.9M2025 | −8.2%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
TCBS assets
TCBS liabilities and equity
TCBS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
TCBS balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Cash & short-term investments | $50.9M | $88.9M | −$13.1M | $120.2M | $77.4M | $32.9M | $33.6M |
| Cash & equivalents | $9.4M | $13.7M | $17.7M | $9.0M | $20.6M | $20.0M | $22.9M |
| Short-term investments | $41.5M | $75.2M | $93.3M | $107.2M | $56.8M | $13.0M | $10.7M |
| Receivables | $1.7M | $3.2M | $1.8M | $1.4M | $1.0M | $995,094 | $887,510 |
| Inventory | $0 | $0 | $11.3M | $239.0M | −$38.0M | −$23.3M | −$25.4M |
| Other current assets | $0 | $0 | $25.5M | $12.3M | $38.0M | $23.3M | $25.4M |
| Total current assets | $52.6M | $92.1M | $25.5M | $372.9M | $78.4M | $33.9M | $34.5M |
| Property, plant & equipment (net) | $11.5M | $11.5M | $11.6M | $6.3M | $6.2M | $6.4M | $6.1M |
| Goodwill & intangible assets | $0 | $132,000 | $265,000 | $404,000 | $537,000 | $673,298 | $809,997 |
| Long-term investments | $78.2M | $97.3M | $119.3M | $135.0M | $90.5M | $47.3M | $49.9M |
| Other non-current assets | $287.6M | $242.4M | $295.3M | $0 | $189.2M | $211.3M | $176.3M |
| Total assets | $429.8M | $443.5M | $452.0M | $417.3M | $364.8M | $299.6M | $267.6M |
| Liabilities | |||||||
| Accounts payable | — | — | — | — | $274.9M | $235.1M | $204.2M |
| Short-term debt | $13.1M | $3.8M | $15.8M | $14.8M | $82,000 | $75,816 | — |
| Total current liabilities | $327.9M | $335.8M | $247.2M | $204.3M | $166.8M | $100.5M | $205.4M |
| Long-term debt | $45.7M | $49.9M | $76.9M | $62.5M | $27.6M | $30.8M | $31.1M |
| Other long-term liabilities | $2.5M | $5.6M | $0 | $0 | $0 | $0 | $0 |
| Total liabilities | $376.1M | $391.3M | $387.8M | $333.1M | $301.0M | $252.6M | $236.5M |
| Shareholders' equity | |||||||
| Common stock & paid-in capital | $34,000 | $34,000 | $34,000 | $33,000 | $33,000 | — | — |
| Retained earnings (deficit) | $32.4M | $30.2M | $32.0M | $34.1M | $32.3M | $31.8M | $31.1M |
| Accumulated other comprehensive income | −$3.1M | −$4.8M | −$5.6M | −$7.0M | −$686,000 | $128,314 | −$8,099 |
| Total shareholders' equity | $53.8M | $52.1M | $64.2M | $84.3M | $63.8M | $47.0M | $31.1M |
| Key figures | |||||||
| Total debt | $45.7M | $49.9M | $76.9M | $62.5M | $27.6M | $30.8M | $31.1M |
| Net cash (debt) | $5.3M | $39.0M | −$90.0M | $57.7M | $49.8M | $2.2M | $2.5M |
| Working capital | −$275.3M | −$243.7M | −$221.6M | $168.6M | −$88.4M | −$66.5M | −$170.9M |
| Tangible book value | $53.8M | $52.0M | $64.0M | $83.8M | $63.3M | $46.3M | $30.2M |
| Book value per share | $18.83 | $17.45 | $20.97 | $27.82 | $21.25 | $9.77 | $6.52 |
| Shares outstanding | 2.9M | 3.0M | 3.1M | 3.0M | 3.0M | 4.8M | 4.8M |
| Current ratio | 0.16 | 0.27 | 0.10 | 1.83 | 0.47 | 0.34 | 0.17 |
| Quick ratio | 0.16 | 0.27 | −0.05 | 0.60 | 0.47 | 0.34 | 0.17 |
| Debt / equity | 0.85 | 0.96 | 1.20 | 0.74 | 0.43 | 0.65 | 1.00 |
| Equity / assets | 12.5% | 11.8% | 14.2% | 20.2% | 17.5% | 15.7% | 11.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $62.6M | $55.1M | $50.9M | $69.2M | $75.2M | $92.7M | $88.9M | $89.1M | $104.0M | $127.5M | −$13.1M | $97.8M |
| Cash & equivalents | $3.5M | $13.3M | $9.4M | $6.3M | $22.2M | $17.9M | $13.7M | $8.4M | $14.5M | $34.4M | $17.7M | $14.4M |
| Short-term investments | $59.1M | $41.8M | $41.5M | $62.8M | $53.0M | $74.8M | $75.2M | $80.7M | $89.6M | $93.1M | $93.3M | $92.5M |
| Receivables | $2.0M | $1.7M | $1.7M | $2.8M | $3.0M | $3.0M | $3.2M | $3.1M | $3.1M | $2.4M | $1.8M | $1.5M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$365.4M | −$352.5M | $11.3M | $245.8M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $365.4M | $352.5M | $12.5M | $23.1M |
| Total current assets | $5.5M | $56.8M | $52.6M | $72.0M | $78.3M | $95.7M | $92.1M | $92.1M | $107.1M | $129.9M | $12.5M | $368.1M |
| Property, plant & equipment (net) | $13.6M | $13.1M | $11.5M | $11.4M | $11.5M | $11.4M | $11.5M | $11.6M | $11.7M | $11.6M | $11.6M | $10.4M |
| Goodwill & intangible assets | $0 | $0 | $0 | $33,000 | $66,000 | $99,000 | $132,000 | $165,000 | $198,000 | $231,000 | $265,000 | $298,000 |
| Long-term investments | $75.8M | $77.6M | $78.2M | $105.0M | $93.5M | $96.0M | $97.3M | $103.6M | $113.4M | $117.9M | $119.3M | $119.4M |
| Other non-current assets | $349.4M | $282.9M | $287.6M | $251.1M | $260.8M | $239.0M | $242.4M | $238.5M | $219.1M | $204.2M | $308.4M | $0 |
| Total assets | $444.3M | $430.4M | $429.8M | $439.5M | $444.1M | $442.2M | $443.5M | $446.0M | $451.6M | $463.8M | $452.0M | $436.7M |
| Liabilities | ||||||||||||
| Short-term debt | — | — | $13.1M | — | — | — | $3.8M | — | — | — | $15.8M | — |
| Total current liabilities | $339.6M | $332.0M | $327.9M | $334.2M | $339.2M | $337.5M | $335.8M | $326.3M | $324.6M | $331.8M | $247.2M | $44.9M |
| Long-term debt | $46.5M | $41.6M | $45.7M | $48.8M | $49.2M | $49.6M | $49.9M | $63.2M | $71.2M | $76.5M | $76.9M | $79.4M |
| Other long-term liabilities | $342.7M | $2.7M | $2.5M | $3.0M | $2.8M | $2.4M | $5.6M | $3.8M | $4.0M | $4.0M | $0 | $0 |
| Total liabilities | $389.1M | $376.2M | $376.1M | $385.9M | $391.2M | $389.5M | $391.3M | $393.3M | $399.8M | $412.3M | $387.8M | $383.5M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $34,000 | $34,000 | $34,000 | $34,000 | $34,000 | $34,000 | $34,000 | $34,000 | $34,000 | $34,000 | $34,000 | $34,000 |
| Retained earnings (deficit) | $33.9M | $33.1M | $32.4M | $31.8M | $31.2M | $30.7M | $30.2M | $29.8M | $29.4M | $29.2M | $32.0M | $32.4M |
| Accumulated other comprehensive income | −$3.2M | −$3.4M | −$3.1M | −$3.3M | −$4.2M | −$4.4M | −$4.8M | −$4.1M | −$4.9M | −$5.2M | −$5.6M | −$7.0M |
| Total shareholders' equity | $55.2M | $54.2M | $53.8M | $53.5M | $52.9M | $52.8M | $52.1M | $52.7M | $51.8M | $51.5M | $53.7M | $53.3M |
| Key figures | ||||||||||||
| Total debt | $46.5M | $41.6M | $45.7M | $48.8M | $49.2M | $49.6M | $49.9M | $63.2M | $71.2M | $76.5M | $76.9M | $79.4M |
| Net cash (debt) | $16.2M | $13.5M | $5.3M | $20.4M | $26.0M | $43.1M | $39.0M | $25.9M | $32.8M | $51.0M | −$90.0M | $18.4M |
| Working capital | −$334.1M | −$275.2M | −$275.3M | −$262.2M | −$260.9M | −$241.9M | −$243.7M | −$234.2M | −$217.5M | −$201.9M | −$234.7M | $323.2M |
| Tangible book value | $55.2M | $54.2M | $53.8M | $53.5M | $52.8M | $52.7M | $52.0M | $52.5M | $51.6M | $51.2M | $53.4M | $53.0M |
| Book value per share | $20.13 | $18.79 | $18.62 | $18.68 | $18.09 | $17.79 | $17.45 | $17.53 | $17.22 | $17.08 | $16.91 | $17.43 |
| Shares outstanding | 2.7M | 2.9M | 2.9M | 2.9M | 2.9M | 3.0M | 3.0M | 3.0M | 3.0M | 3.0M | 3.2M | 3.1M |
| Current ratio | 0.02 | 0.17 | 0.16 | 0.22 | 0.23 | 0.28 | 0.27 | 0.28 | 0.33 | 0.39 | 0.05 | 8.21 |
| Quick ratio | 0.19 | 0.17 | 0.16 | 0.22 | 0.23 | 0.28 | 0.27 | 0.28 | 0.33 | 0.39 | −0.05 | 2.21 |
| Debt / equity | 0.84 | 0.77 | 0.85 | 0.91 | 0.93 | 0.94 | 0.96 | 1.20 | 1.38 | 1.49 | 1.43 | 1.49 |
| Equity / assets | 12.4% | 12.6% | 12.5% | 12.2% | 11.9% | 11.9% | 11.8% | 11.8% | 11.5% | 11.1% | 11.9% | 12.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 25, 2026); data from EODHD.
TCBS financial position
At the end of fiscal 2025 (December 31, 2025), Texas Community Bancshares had total assets of $429.8 million (down 3.1% from a year earlier), total liabilities of $376.1 million and shareholders' equity of $53.8 million. It held $50.9 million in cash and short-term investments against $45.7 million of debt, a net cash position of $5.3 million. Its current ratio was 0.16. In the latest quarter (ended June 30, 2026) total assets were $444.3 million and equity $55.2 million.
Related: TCBS income statement, TCBS cash flow statement, TCBS key metrics. See the TCBS stock overview for the latest quote and news.
TCBS balance sheet FAQ
What are Texas Community Bancshares's total assets?
Texas Community Bancshares reported total assets of $429.8 million at the end of fiscal 2025 (December 31, 2025), compared with $443.5 million a year earlier.
How much debt does Texas Community Bancshares have?
Texas Community Bancshares had $45.7 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.85.
How much cash does Texas Community Bancshares have?
Texas Community Bancshares held $50.9 million in cash and short-term investments at the end of fiscal 2025; with $45.7 million of debt that is net cash of $5.3 million.
What is Texas Community Bancshares's book value?
Texas Community Bancshares's shareholders' equity (book value) was $53.8 million at the end of fiscal 2025, or $18.83 per share.
What is Texas Community Bancshares's current ratio?
Texas Community Bancshares had current assets of $52.6 million and current liabilities of $327.9 million, a current ratio of 0.16 (current liabilities exceed current assets).