Texas Community Bancshares Inc (TCBS) - Net Assets
Based on the latest financial reports, Texas Community Bancshares Inc (TCBS) has net assets worth $53.53 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($439.49 Million) and total liabilities ($385.95 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Texas Community Bancshares Inc asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $53.53 Million |
| % of Total Assets | 12.18% |
| Annual Growth Rate | 10.9% |
| 5-Year Change | 10.83% |
| 10-Year Change | N/A |
| Growth Volatility | 30.64 |
Texas Community Bancshares Inc - Net Assets Trend (2019–2024)
This chart illustrates how Texas Community Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of Texas Community Bancshares Inc for the complete picture of this company's asset base.
Annual Net Assets for Texas Community Bancshares Inc (2019–2024)
The table below shows the annual net assets of Texas Community Bancshares Inc from 2019 to 2024. For live valuation and market cap data, see TCBS market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $52.11 Million | -18.87% |
| 2023-12-31 | $64.23 Million | -23.77% |
| 2022-12-31 | $84.25 Million | +32.04% |
| 2021-12-31 | $63.81 Million | +35.72% |
| 2020-12-31 | $47.01 Million | +51.40% |
| 2019-12-31 | $31.05 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Texas Community Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 2.9% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $30.16 Million | 57.89% |
| Common Stock | $34.00K | 0.07% |
| Other Comprehensive Income | $-4.77 Million | -9.15% |
| Other Components | $26.68 Million | 51.20% |
| Total Equity | $52.11 Million | 100.00% |
Texas Community Bancshares Inc Competitors by Market Cap
The table below lists competitors of Texas Community Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Loyal Metals Ltd
AU:LLM
|
$45.19 Million |
|
HCT Co. Ltd
KQ:072990
|
$45.19 Million |
|
CarParts.Com Inc
NASDAQ:PRTS
|
$45.20 Million |
|
Abrdn PLC
LSE:ABDN
|
$45.21 Million |
|
MeVis Medical Solutions AG
XETRA:M3V
|
$45.14 Million |
|
Lithium South Development Corp
V:LIS
|
$45.13 Million |
|
Casing Macron Technology Co Ltd
TWO:3325
|
$45.12 Million |
|
Walkabout Resources Ltd
AU:WKT
|
$45.12 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Texas Community Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 53,689,000 to 52,108,000, a change of -1,581,000 (-2.9%).
- Net loss of 1,305,000 reduced equity.
- Dividend payments of 504,000 reduced retained earnings.
- Share repurchases of 1,578,000 reduced equity.
- Other comprehensive income increased equity by 826,000.
- Other factors increased equity by 980,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-1.30 Million | -2.5% |
| Dividends Paid | $504.00K | -0.97% |
| Share Repurchases | $1.58 Million | -3.03% |
| Other Comprehensive Income | $826.00K | +1.59% |
| Other Changes | $980.00K | +1.88% |
| Total Change | $- | -2.94% |
Book Value vs Market Value Analysis
This analysis compares Texas Community Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.95x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.54x to 0.95x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $6.52 | $16.59 | x |
| 2020-12-31 | $6.64 | $16.59 | x |
| 2021-12-31 | $20.03 | $16.59 | x |
| 2022-12-31 | $18.45 | $16.59 | x |
| 2023-12-31 | $17.53 | $16.59 | x |
| 2024-12-31 | $17.45 | $16.59 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Texas Community Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -2.50%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -6.26%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.51x
- Recent ROE (-2.50%) is below the historical average (0.98%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 3.40% | 9.07% | 0.04x | 8.62x | $-2.05 Million |
| 2020 | 2.35% | 6.06% | 0.04x | 9.38x | $-2.44 Million |
| 2021 | 0.86% | 4.23% | 0.03x | 6.07x | $-5.50 Million |
| 2022 | 3.14% | 12.16% | 0.03x | 7.47x | $-3.83 Million |
| 2023 | -1.37% | -3.79% | 0.04x | 8.42x | $-6.10 Million |
| 2024 | -2.50% | -6.26% | 0.05x | 8.51x | $-6.52 Million |
Industry Comparison
This section compares Texas Community Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Texas Community Bancshares Inc (TCBS) | $53.53 Million | 3.40% | 7.21x | $45.15 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Texas Community Bancshares Inc
Texas Community Bancshares, Inc. operates as the bank holding company for Broadstreet Bank, SSB that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. The company offers deposit accounts, including checking accounts, money market accounts, savings accounts, certificates of deposit, and individ… Read more