Texas Community Bancshares, Inc. (TCBS) Income Statement
TCBS 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsTCBS revenue and net income
Where TCBS's revenue goes
2025Each bar shows an amount and its share of revenue. TCBS kept 11.1% of revenue as net income.
TCBS profit margins
TCBS growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +22.7% | +21.0% | +15.7% | — |
| Gross profit | +44.4% | +9.2% | +10.7% | — |
| Operating income | — | +15.6% | +29.0% | — |
| Net income | — | +17.5% | +30.6% | — |
| EPS (diluted) | — | +19.1% | +43.7% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
TCBS quarterly EPS vs estimates
Next report: November 6, 2026.
TCBS income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|
| Revenue | $25.6M | $20.8M | $19.3M | $14.4M | $12.3M | $12.4M | $11.6M |
| Cost of revenue | $10.0M | $10.1M | $8.3M | $2.5M | $2.2M | $3.0M | $2.8M |
| Gross profit | $15.6M | $10.8M | $11.1M | $11.9M | $10.1M | $9.4M | $8.8M |
| Sales, general & admin | $7.2M | $7.1M | $7.5M | $6.2M | $5.5M | $5.2M | $4.7M |
| Total operating expenses | $12.2M | $12.6M | $12.0M | $9.8M | $9.5M | $8.4M | $7.6M |
| Operating income | $3.4M | −$1.8M | −$937,000 | $2.2M | $611,000 | $941,866 | $1.3M |
| Interest income | $22.3M | $22.2M | $17.2M | $12.5M | $10.5M | $10.8M | $10.0M |
| Interest expense | $9.2M | $9.9M | $7.9M | $2.3M | $2.1M | $2.5M | $2.6M |
| Income before taxes | $3.4M | −$1.8M | −$937,000 | $2.2M | $611,000 | $941,866 | $1.3M |
| Income taxes | $522,000 | −$476,000 | −$204,000 | $423,000 | $93,000 | $192,969 | $230,421 |
| Net income | $2.8M | −$1.3M | −$733,000 | $1.8M | $518,000 | $749,000 | $1.1M |
| EBITDA | $4.0M | −$1.2M | −$515,000 | $2.6M | $1.0M | $1.4M | $1.7M |
| EPS (diluted) | $0.98 | −$0.45 | −$0.23 | $0.58 | $0.02 | $0.16 | — |
| Gross margin | 60.9% | 51.7% | 57.2% | 82.7% | 82.3% | 75.8% | 76.0% |
| Operating margin | 13.2% | −8.5% | −4.8% | 15.1% | 5.0% | 7.6% | 11.1% |
| Net margin | 11.1% | −6.3% | −3.8% | 12.2% | 4.2% | 6.1% | 9.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6.6M | $6.3M | $6.7M | $6.7M | $6.1M | $6.1M | $6.4M | $6.2M | $6.1M | $2.1M | $5.8M | $5.6M |
| Cost of revenue | $2.2M | $2.1M | $2.6M | $2.8M | $2.3M | $2.4M | $2.5M | $2.8M | $2.6M | $2.2M | $2.5M | $2.2M |
| Gross profit | $4.3M | $4.1M | $4.2M | $3.9M | $3.8M | $3.7M | $3.9M | $3.5M | $3.5M | −$39,000 | $3.2M | $3.4M |
| Sales, general & admin | $1.8M | $1.7M | $2.2M | $1.6M | $1.6M | $1.7M | $2.0M | $1.7M | $2.4M | $1.7M | $2.2M | $1.8M |
| Total operating expenses | $3.2M | $3.2M | $3.1M | $3.2M | $3.0M | $2.9M | $3.3M | $2.9M | $3.1M | $3.4M | $3.6M | $2.8M |
| Operating income | $1.1M | $955,000 | $1.0M | $766,000 | $822,000 | $749,000 | $611,000 | $603,000 | $398,000 | −$3.4M | −$398,000 | $573,000 |
| Interest income | $5.8M | $5.5M | $5.8M | $5.5M | $5.4M | $5.6M | $5.6M | $5.6M | $5.6M | $5.4M | $5.3M | $4.9M |
| Interest expense | $2.1M | $2.1M | $2.3M | $2.3M | $2.3M | $2.3M | $2.5M | $2.5M | $2.5M | $2.5M | $2.4M | $2.1M |
| Income before taxes | $1.1M | $955,000 | $1.0M | $766,000 | $822,000 | $749,000 | $611,000 | $603,000 | $398,000 | −$3.4M | −$398,000 | $573,000 |
| Income taxes | $177,000 | $119,000 | $186,000 | $86,000 | $144,000 | $106,000 | $94,000 | $88,000 | $50,000 | −$708,000 | −$66,000 | $117,000 |
| Net income | $970,000 | $836,000 | $841,000 | $680,000 | $678,000 | $643,000 | $517,000 | $515,000 | $348,000 | −$2.7M | −$332,000 | $456,000 |
| EBITDA | $1.3M | $1.1M | $1.2M | $914,000 | $970,000 | $895,000 | $754,000 | $748,000 | $540,000 | −$3.3M | −$292,000 | $659,000 |
| EPS (diluted) | $0.35 | $0.31 | $0.29 | $0.24 | $0.23 | $0.22 | $0.17 | $0.17 | $0.12 | −$0.90 | −$0.10 | $0.15 |
| Gross margin | 65.7% | 65.8% | 62.0% | 58.5% | 62.7% | 60.3% | 60.7% | 55.9% | 56.8% | −1.8% | 56.3% | 61.2% |
| Operating margin | 17.5% | 15.2% | 15.3% | 11.4% | 13.6% | 12.3% | 9.6% | 9.7% | 6.6% | −158.6% | −6.9% | 10.3% |
| Net margin | 14.8% | 13.3% | 12.5% | 10.2% | 11.2% | 10.5% | 8.1% | 8.3% | 5.7% | −125.5% | −5.7% | 8.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in TCBS's financial statements (latest annual report filed March 25, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
TCBS financial results
In fiscal year 2025 (ended December 31, 2025), Texas Community Bancshares reported revenue of $25.6 million, up 22.7% from the year before. It had net income of $2.8 million, a net profit margin of 11.1%. Diluted earnings per share came to $0.98. Over five years revenue grew at an average rate of 15.7% a year.
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TCBS income statement FAQ
What is Texas Community Bancshares's annual revenue?
Texas Community Bancshares reported total revenue of $25.6 million for fiscal year 2025, which ended on December 31, 2025. That was up 22.7% from $20.8 million the previous year.
Is Texas Community Bancshares profitable?
Yes. Texas Community Bancshares reported net income of $2.8 million in fiscal 2025, a net profit margin of 11.1%; its operating margin was 13.2%.
What is Texas Community Bancshares's gross margin?
Texas Community Bancshares's gross margin was 60.9% in fiscal 2025: for every $100 of revenue, Texas Community Bancshares kept $61 after the direct cost of its products and services.
How fast is Texas Community Bancshares growing?
Revenue grew 15.7% a year on average over the last five fiscal years, from $12.4 million to $25.6 million.
What are Texas Community Bancshares's earnings per share?
Texas Community Bancshares earned $0.98 per diluted share in fiscal 2025, compared with $-0.45 a year earlier.
When will Texas Community Bancshares report its next earnings?
Texas Community Bancshares is expected to report results for the quarter ending September 30, 2026 on November 6, 2026.
When does Texas Community Bancshares's fiscal year end?
Texas Community Bancshares's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 25, 2026.