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Texas Community Bancshares, Inc. TCBS Bank Owned Life Insurance

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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:BankOwnedLifeInsurance.

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 bank owned life insurance?
Texas Community Bancshares, Inc. (TCBS) reported bank owned life insurance of $6.59M in Q1 2026.
How has Texas Community Bancshares, Inc.'s bank owned life insurance changed year-over-year?
Texas Community Bancshares, Inc.'s bank owned life insurance increased by 2.7% year-over-year, from $6.41M to $6.59M.
What is the long-term trend for Texas Community Bancshares, Inc.'s bank owned life insurance?
Over 4 years (2021 to 2025), Texas Community Bancshares, Inc.'s bank owned life insurance has grown at a 2.1% compound annual growth rate (CAGR), from $6.02M to $6.54M.
What does bank owned life insurance mean?
Bank Owned Life Insurance (BOLI) represents life insurance policies purchased by the bank on the lives of key employees, where the bank is the beneficiary. It is held as a long-term asset to offset the costs of employee benefit plans and provide tax-advantaged income. The cash surrender value of these policies is monitored to assess the bank's non-interest income stability.