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Texas Community Bancshares, Inc. TCBS Fair Value Adjustment To Other Real Estate Owned

Fair Value Adjustment To Other Real Estate Owned at other companies

BCB Bancorp logo
BCB BancorpBCBP
$3.77M
International Bancshares logo
International BancsharesIBOC
-$23K
Western Alliance Bancorporation logo
Western Alliance BancorporationWAL
$2.5M
BCB Bancorp logo
BCB BancorpBCBP
$3.77M
Hawthorn Bancshares logo
Hawthorn BancsharesHWBK
-$34K-262%
SPF
South Plains Financial, Inc.SPFI
-$25K+7.4%

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+5.7%
P/E16.7×
P/S-0.1×

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 tcbs:FairValueAdjustmentToOtherRealEstateOwned.

The official record: Texas Community Bancshares, Inc.’s 10-Q, filed November 7, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Texas Community Bancshares, Inc.'s fair value adjustment to other real estate owned?
Texas Community Bancshares, Inc. (TCBS) reported fair value adjustment to other real estate owned of $547K in Q3 2025.
How has Texas Community Bancshares, Inc.'s fair value adjustment to other real estate owned changed year-over-year?
Texas Community Bancshares, Inc.'s fair value adjustment to other real estate owned increased by 2905.1% year-over-year, from -$19.5K to $547K.
What does fair value adjustment to other real estate owned mean?
This represents periodic write-downs or valuation adjustments made to the carrying value of foreclosed real estate assets to reflect current market conditions. It serves as an indicator of potential deterioration in the value of the bank's repossessed collateral portfolio. Frequent or large adjustments suggest declining real estate market values or inadequate initial provisioning.