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Texas Community Bancshares, Inc. key statistics and ratios

In fiscal 2025, Texas Community Bancshares, Inc. had return on equity of 5.4% and a net margin of 17.3%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin7.6%5.1%14.4%−6.4%−12.3%17.3%19.1%
Return on equity—0.9%3.0%−1.3%−2.5%5.4%6.1%
Return on assets0.3%0.2%0.4%−0.2%−0.3%0.7%0.8%
Effective tax rate20.5%15.2%19.4%——15.5%14.6%
Dividends ÷ net income—————20.9%20.0%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: BSBK vs TCBSFDSB vs TCBSHFBL vs TCBSCLST vs TCBS

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Texas Community Bancshares, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Texas Community Bancshares, Inc.