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Texas Community Bancshares, Inc. TCBS Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

FDS
Fifth District BancorpFDSB
$3.95M-5.3%
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FB Bancorp, Inc.FBLA

Other financials

Income statement

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Revenue$4.1M+8.9%
Net income$836.0K+30.0%
EPS (diluted)$0.31+40.9%

Balance sheet

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Cash & equivalents$6.5M-45.4%
Total debt$13.6M+232%
Total equity$54.2M+2.8%
Total assets$430.4M-2.7%

Cash flow

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Operating cash flow$1.6M+205%
CapEx$1.8M+6,279%
Free cash flow-$178.0K+88.6%

Valuation

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Market cap$50.78M+3.7%
P/E16.7×
P/S-0.2×

Profitability

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Net margin18.1%
FCF margin14.1%+11.9pp

Returns & leverage

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Return on equity5.7%
Debt / equity0.3×+0.2×

Where this comes from

Reported directly by Texas Community Bancshares, Inc. in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: Texas Community Bancshares, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Texas Community Bancshares, Inc.'s reserve for ESOP debt retirement?
Texas Community Bancshares, Inc. (TCBS) reported reserve for ESOP debt retirement of $1.85M in Q1 2026.
How has Texas Community Bancshares, Inc.'s reserve for ESOP debt retirement changed year-over-year?
Texas Community Bancshares, Inc.'s reserve for ESOP debt retirement decreased by 7.8% year-over-year, from $2.01M to $1.85M.
What is the long-term trend for Texas Community Bancshares, Inc.'s reserve for ESOP debt retirement?
Over 4 years (2021 to 2025), Texas Community Bancshares, Inc.'s reserve for ESOP debt retirement has grown at a -6.6% compound annual growth rate (CAGR), from $2.48M to $1.88M.
What does reserve for ESOP debt retirement mean?
The reserve for ESOP debt retirement represents an equity adjustment related to the financing of an Employee Stock Ownership Plan. It reflects the obligation or commitment of the bank to fund the repayment of debt incurred by the ESOP. This is a specialized equity account that provides insight into the bank's long-term employee compensation and capital structure commitments.