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Texas Community Bancshares, Inc. TCBS Capital Conservation Buffer

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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+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 us-gaap:TierOneLeverageCapitalToAverageAssets.

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 capital conservation buffer?
Texas Community Bancshares, Inc. (TCBS) reported capital conservation buffer of 12% in Q1 2026.
How has Texas Community Bancshares, Inc.'s capital conservation buffer changed year-over-year?
Texas Community Bancshares, Inc.'s capital conservation buffer increased by 7.9% year-over-year, from 11.1% to 12%.
What is the long-term trend for Texas Community Bancshares, Inc.'s capital conservation buffer?
Over 4 years (2021 to 2025), Texas Community Bancshares, Inc.'s capital conservation buffer has grown at a -2.3% compound annual growth rate (CAGR), from 12.9% to 11.7%.
What does capital conservation buffer mean?
The amount of high-quality capital held by the institution in excess of the minimum regulatory requirements, designed to absorb losses during periods of economic stress. This buffer is a critical indicator of the company's financial resilience and its ability to maintain lending operations during downturns. A higher buffer generally signals a more conservative risk management approach and greater stability.