Texas Community Bancshares, Inc.: directors' dealings · United States · SEC (Form 4)

About Texas Community Bancshares, Inc.

Texas Community Bancshares, Inc. (NASDAQ: TCBS) is a small U.S.-listed bank holding company traded on the NASDAQ, not the NYSE. The company is the parent of Broadstreet Bank, SSB, a community bank focused on relationship banking in Texas. Its headquarters are in Mineola, Texas, with the SEC business address listed at 215 West Broad Street, Mineola, Texas. Broadstreet Bank traces its roots back to 1934, when it began as a savings and loan association with just $4,057 in assets and has since grown into a community bank with assets in the hundreds of millions of dollars. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1849466/000094337425000515/ex99-1_8k121625.htm?utm_source=openai)) The business model is classic community banking: deposit gathering, loan origination, and disciplined credit management within a relatively concentrated geographic footprint. The loan book includes one- to four-family residential mortgages, multifamily loans, commercial real estate, construction and land development loans, agricultural loans, commercial and industrial loans, municipal loans, and consumer loans. Recent filings indicate that commercial real estate and construction lending are meaningful parts of the portfolio, which can support growth but also require careful underwriting and monitoring through the credit cycle. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1849466/000110465926034560/tcbs-20251231x10k.htm?utm_source=openai)) Texas Community Bancshares has recently reported loan origination momentum, with 2025 production spanning residential mortgages, construction, commercial real estate, farmland, and municipal lending. The annual report also highlights commercial real estate exposure in markets around Dallas and North Richland Hills, Texas, reinforcing that this is a locally anchored franchise rather than a broad national lender. That local specialization can be a competitive advantage because it improves borrower knowledge and customer retention, but it also means results are tied to the economic health of its core Texas markets. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1849466/000110465926034560/tcbs-20251231x10k.htm?utm_source=openai)) In competitive terms, TCBS operates as a niche community bank against larger regional banks and multi-state financial institutions. Its edge comes from personal service, faster decision-making, and close ties to the local economy. For investors, this is best viewed as a small-cap banking story with a more concentrated risk profile than larger peers, and with performance that can be more sensitive to credit quality, funding costs, and local real estate conditions. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1849466/000110465926034560/tcbs-20251231x10k.htm?utm_source=openai)) Recent corporate developments include a share repurchase program announced in December 2025 and another repurchase authorization announced in February 2025, each amounting to roughly 5% of outstanding shares at the time. In April 2026, the company also reported year-over-year growth in quarterly net income, suggesting improving near-term operating momentum. Overall, Texas Community Bancshares is a Texas-focused community banking franchise in the United States, listed on NASDAQ, with a history rooted in 1934, a conservative local banking profile, and recent capital management actions that may be relevant to equity investors. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1849466/000094337425000515/ex99-1_8k121625.htm?utm_source=openai))