Tectonic Financial, Inc.: directors' dealings · United States · SEC (Form 4)

About Tectonic Financial, Inc.

Tectonic Financial, Inc. is a United States-based financial holding company listed on the NASDAQ market in the United States, with operating headquarters in Houston, Texas. The group is positioned as a diversified financial-services platform serving high-net-worth individuals, small businesses, and select institutions. Its strategy combines several complementary businesses within one operating ecosystem, allowing it to build a broader client relationship while diversifying revenue streams beyond traditional banking income. The company traces its roots to earlier Texas banking structures associated with T Bancshares, which was incorporated in 2002, and later evolved from T Acquisition, Inc. into Tectonic Financial, Inc. Over time, it has been built into an integrated holding-company structure anchored by a set of specialized subsidiaries. Based on its SEC disclosures and company materials, the group operates through T Bank, N.A., Sanders Morris, Tectonic Advisors, HWG Insurance Agency, The Nolan Company, and Integra Funding Solutions. This gives Tectonic exposure to commercial banking, wealth management, securities brokerage, retirement plan services, insurance, and factoring. From an operating perspective, Tectonic Financial offers deposits, commercial and real-estate lending, SBA and USDA lending, trust and fiduciary services, wealth management, retirement-plan design and administration, brokerage, underwriting, and insurance-related services. The business model emphasizes serving small businesses and financially sophisticated clients through a combination of local relationship banking, specialty finance, and advisory capabilities. A key differentiator is its effort to pair disciplined risk management with shared cloud-based technology, which management says supports faster decisions and a lower-cost operating model. Geographically, the company has a strong Texas base while serving clients across the United States. Its SEC filings describe it as a financial holding company serving high-net-worth individuals, small businesses, and institutions nationwide. For French-speaking investors, the investment case is less about a single product line than about the breadth of its financial-services footprint and the potential operating leverage from cross-selling across banking, advisory, and insurance channels. Recent developments have been notable. In February 2026, Tectonic Financial completed an offering of subordinated notes of up to $40 million, with proceeds intended for general corporate purposes and for the redemption of existing indebtedness. Around the same time, the company announced the full redemption of its Series B preferred stock, TECTP, which resulted in its delisting from NASDAQ. These actions point to an active capital-structure reset and are particularly relevant for investors tracking Form 4 insider activity, balance-sheet management, and corporate actions around the security.