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Texas Community Bancshares, Inc. TCBS Federal Home Loan Bank Borrowings

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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:AdvancesFromFederalHomeLoanBanks.

The official record: Texas Community Bancshares, Inc.’s 10-K, filed March 25, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Texas Community Bancshares, Inc.'s federal home loan bank borrowings?
Texas Community Bancshares, Inc. (TCBS) reported federal home loan bank borrowings of $45.67M in Q4 2025.
How has Texas Community Bancshares, Inc.'s federal home loan bank borrowings changed year-over-year?
Texas Community Bancshares, Inc.'s federal home loan bank borrowings decreased by 8.4% year-over-year, from $49.88M to $45.67M.
What is the long-term trend for Texas Community Bancshares, Inc.'s federal home loan bank borrowings?
Over 4 years (2021 to 2025), Texas Community Bancshares, Inc.'s federal home loan bank borrowings has grown at a 13.3% compound annual growth rate (CAGR), from $27.75M to $45.67M.
What does federal home loan bank borrowings mean?
The outstanding balance of advances obtained from the Federal Home Loan Bank system, typically collateralized by the bank's mortgage loan portfolio. These borrowings serve as a primary source of supplemental liquidity for residential and commercial lending activities. Investors monitor this to gauge the bank's leverage and its utilization of secondary funding facilities.