Texas Community Bancshares, Inc. (TCBS): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Texas Community Bancshares, Inc. (TCBS), einem Finanzunternehmen, das Community Banking durch ein innovatives Business Model Canvas neu definiert. Durch die nahtlose Verbindung lokaler Marktkenntnisse, modernster digitaler Infrastruktur und einem starken Engagement für regionales Wirtschaftswachstum hat TCBS einen einzigartigen Ansatz entwickelt, der traditionelles Banking in ein personalisiertes, reaktionsfähiges Finanzerlebnis verwandelt. Dieses komplexe Modell unterstützt nicht nur kleine Unternehmen und einzelne Verbraucher, sondern zeigt auch, wie eine gemeinschaftsorientierte Bank Technologie, Beziehungen und lokales Wissen nutzen kann, um in der wettbewerbsintensiven Finanzlandschaft außergewöhnlichen Wert zu schaffen.

Texas Community Bancshares, Inc. (TCBS) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände und Handelskammern

Texas Community Bancshares, Inc. unterhält strategische Partnerschaften mit lokalen Wirtschaftsverbänden in ganz Texas.

Partnerschaftstyp	Anzahl der Verbände	Jährlicher Kooperationswert
Lokale Handelskammern	17	$425,000
Netzwerke für kleine Unternehmen	12	$275,000

Regionale Wirtschaftsentwicklungsorganisationen

TCBS arbeitet mit regionalen Wirtschaftsentwicklungseinrichtungen zusammen, um das lokale Geschäftswachstum zu unterstützen.

• Partnerschaften mit Wirtschaftsentwicklungsräten: 8
• Jährliche Gesamtinvestition in Entwicklungsprogramme: 650.000 US-Dollar
• Durch Partnerschaften unterstützte Unternehmen: 124

Community-Investitionsnetzwerke

Die Bank arbeitet aktiv mit kommunalen Investitionsnetzwerken zusammen, um lokale Wirtschaftsinitiativen voranzutreiben.

Netzwerktyp	Gesamtinvestition	Auswirkungen auf die Gemeinschaft
Community-Reinvestitionsnetzwerke	1,2 Millionen US-Dollar	46 lokale Projekte gefördert
Netzwerke zur Unterstützung von Minderheitenunternehmen	$375,000	22 Unternehmen im Besitz von Minderheiten wurden unterstützt

Fintech-Dienstleister für digitale Banking-Lösungen

TCBS arbeitet mit Fintech-Unternehmen zusammen, um die Möglichkeiten des digitalen Bankings zu verbessern.

• Fintech-Partnerschaften insgesamt: 5
• Jährliche Technologieinvestition: 1,5 Millionen US-Dollar
• Anbieter digitaler Banking-Plattformen: 3
• Partner für Cybersicherheitstechnologie: 2

Fintech-Partner	Service bereitgestellt	Vertragswert
Digital Payment Solutions Inc.	Mobile-Banking-Plattform	$450,000
Sichere Banking-Technologien	Cybersicherheitsdienste	$275,000

Texas Community Bancshares, Inc. (TCBS) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Gesamtportfolio an gewerblichen Krediten: 287,4 Millionen US-Dollar, Stand 4. Quartal 2023

Kreditkategorie	Gesamtvolumen	Durchschnittlicher Zinssatz
Gewerbeimmobilien	164,2 Millionen US-Dollar	5.75%
Kommerziell & Industriekredite	123,2 Millionen US-Dollar	6.25%

Kredite für kleine Unternehmen

Kreditportfolio für Kleinunternehmen: 42,6 Millionen US-Dollar im Jahr 2023

• Durchschnittliche Kredithöhe für Kleinunternehmen: 87.500 $
• Anzahl aktiver Kreditbeziehungen für Kleinunternehmen: 486
• Genehmigungsquote für Kleinunternehmenskredite: 62,3 %

Einlagen- und Anlageproduktmanagement

Produkttyp	Gesamtvermögen	Durchschnittlicher Ertrag
Girokonten	215,7 Millionen US-Dollar	0.45%
Sparkonten	98,3 Millionen US-Dollar	1.25%
Einlagenzertifikate	76,5 Millionen US-Dollar	3.75%

Community-orientierte Finanzberatungsdienste

Gesamtes verwaltetes Beratungsvermögen: 64,2 Millionen US-Dollar

• Anzahl der Finanzberater: 12
• Durchschnittlicher Wert des Kundenportfolios: 425.000 US-Dollar
• Bindungsrate der Wealth-Management-Kunden: 87,6 %

Wartung der digitalen Banking-Plattform

Kennzahlen der digitalen Banking-Plattform für 2023:

• Gesamtzahl der Mobile-Banking-Nutzer: 24.700
• Online-Transaktionsvolumen: 1,2 Millionen Transaktionen
• Verfügbarkeit der digitalen Plattform: 99,97 %
• Jährliche Investition in die Wartung der digitalen Plattform: 1,4 Millionen US-Dollar

Texas Community Bancshares, Inc. (TCBS) – Geschäftsmodell: Schlüsselressourcen

Starke lokale Marktpräsenz in Texas

Ab 2024 ist Texas Community Bancshares tätig 12 Bankstandorte in allen Zielmärkten in Texas. Die gesamte Marktabdeckung umfasst:

Region	Anzahl der Filialen	Vollständige Marktdurchdringung
Zentral-Texas	5	38%
Nordtexas	4	27%
Houston Metro	3	22%

Erfahrenes Bankmanagement-Team

Zusammensetzung des Managementteams:

• Durchschnittliche Bankerfahrung: 22 Jahre
• Executive Leadership mit zusammen 95 Jahre im Bereich Finanzdienstleistungen
• Das zu 100 % in Texas ansässige Senior Management

Robuste digitale Banking-Infrastruktur

Zu den digitalen Banking-Funktionen gehören:

• Bereitstellung einer Mobile-Banking-Plattform 42.573 aktive Benutzer
• Online-Transaktionsverarbeitung: 97,3 % Verfügbarkeit
• Jährliche Investition in die digitale Infrastruktur: 1,2 Millionen US-Dollar

Kundenbeziehungsmanagementsysteme

CRM-Metrik	Leistung 2024
Gesamte Kundenbeziehungen	57,412
Kundenbindungsrate	88.6%
Durchschnittlicher Customer Lifetime Value	$14,237

Funktionen zur Einhaltung gesetzlicher Vorschriften und zum Risikomanagement

Compliance-Kennzahlen:

• Keine Verstöße gegen Vorschriften in den letzten drei aufeinanderfolgenden Jahren
• Compliance-Team: 18 engagierte Fachleute
• Jährliches Compliance-Budget: 3,4 Millionen US-Dollar

Texas Community Bancshares, Inc. (TCBS) – Geschäftsmodell: Wertversprechen

Personalisierte Bankerfahrung für lokale Gemeinschaften

Im vierten Quartal 2023 bedient Texas Community Bancshares 17 Bezirke in Texas mit einem Gesamtvermögen von 1,47 Milliarden US-Dollar. Die lokale Marktdurchdringungsrate in ihren Hauptversorgungsgebieten beträgt 62 %.

Community-Banking-Kennzahlen	Daten für 2023
Gesamtzahl der Filialstandorte	23
Insgesamt belieferte Landkreise	17
Lokale Kundenbindungsrate	87.3%

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

TCBS bietet wettbewerbsfähige Tarife für mehrere Produktkategorien:

Produktkategorie	Zinsspanne
Persönliche Sparkonten	3.25% - 4.50%
Gewerbliche Kredite	6.75% - 8.25%
Hypothekendarlehen	6.50% - 7.75%

Schnelle und flexible Kreditentscheidungen

Durchschnittliche Kreditgenehmigungszeit: 48 Stunden für Geschäftskredite, 72 Stunden für Privatkredite.

• Kreditgenehmigungsquote: 76,5 %
• Durchschnittliche Kreditbearbeitungszeit: 2,4 Werktage
• Abschlussrate digitaler Kreditanträge: 62 %

Umfassende digitale und persönliche Bankdienstleistungen

Nutzungsmetriken für die digitale Banking-Plattform:

Digitaler Service	Monatlich aktive Benutzer
Mobile-Banking-App	42,500
Online-Banking	58,200
Digitale Transaktionen	1,2 Millionen/Monat

Starkes Engagement für die lokale Wirtschaftsentwicklung

Lokale wirtschaftliche Auswirkungen im Jahr 2023:

• Vergebene Kredite für Kleinunternehmen: 87,3 Millionen US-Dollar
• Lokale Unterstützungsprogramme für Unternehmen: 14
• Gemeinschaftsinvestition: 4,2 Millionen US-Dollar

Texas Community Bancshares, Inc. (TCBS) – Geschäftsmodell: Kundenbeziehungen

Personal-Relationship-Banking-Ansatz

Texas Community Bancshares, Inc. unterhält ab 2024 12 Full-Service-Banking-Standorte in ganz Texas. Die Kundenbeziehungsstrategie konzentriert sich auf personalisierte Bankerlebnisse.

Bankbeziehungsmetrik	Daten für 2024
Durchschnittliche Kundeninteraktionshäufigkeit	6,3 Mal pro Jahr
Kundenbindungsrate	87.4%
Durchschnittliche Dauer der Kundenbeziehung	7,2 Jahre

Engagierte Beziehungsmanager

TCBS beschäftigt in seinem gesamten Bankennetzwerk 42 engagierte Kundenbetreuer.

• Durchschnittliches Kundenportfolio pro Kundenbetreuer: 126 Kunden
• Spezialisierte Manager für den Geschäfts- und Privatkundenbereich
• Durchschnittliche Antwortzeit auf Kundenanfragen: 2,1 Stunden

Sponsoring von Gemeinschaftsveranstaltungen

Budget für gemeinschaftliches Engagement für 2024: 237.500 $

Ereignistyp	Sponsorenzuteilung
Lokale Wirtschaftsentwicklungsveranstaltungen	$86,200
Bildungsinitiativen	$65,300
Networking für kleine Unternehmen	$54,000

Reaktionsschnelle Kundensupportkanäle

Die Multi-Channel-Kundensupport-Infrastruktur umfasst:

• Verfügbarkeit der digitalen Banking-Plattform: 99,97 %
• Nutzer der Mobile-Banking-App: 22.600
• Lösungszeit für Online-Kundensupport-Tickets: 4,2 Stunden

Maßgeschneiderte Finanzlösungen

Maßgeschneiderte Produktangebote für unterschiedliche Kundensegmente.

Kundensegment	Einzigartige Produktangebote	Marktdurchdringung
Kleines Unternehmen	7 spezialisierte Kreditprodukte	42 % des lokalen Marktes
Persönliches Banking	12 personalisierte Kontotypen	36 % des lokalen Marktes
Agrarsektor	4 spezialisierte Finanzierungslösungen	28 % des regionalen Marktes

Texas Community Bancshares, Inc. (TCBS) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2024 betreibt Texas Community Bancshares 12 physische Bankfilialen in ganz Texas.

Filialstandorttyp	Anzahl der Filialen
Städtische Gebiete	8
Vorstadtgebiete	3
Ländliche Gebiete	1

Online-Banking-Plattform

Die Online-Banking-Plattform der Bank bedient im ersten Quartal 2024 rund 22.500 aktive Nutzer.

• Die Plattform bietet sicheren Kontozugriff
• Bietet Echtzeit-Transaktionsüberwachung
• Aktiviert Rechnungszahlungsdienste
• Bietet Möglichkeiten für den Geldtransfer

Mobile-Banking-Anwendung

Die mobile TCBS-App hat im Jahr 2024 15.700 aktive monatliche Nutzer.

Leistungsmetrik für mobile Apps	Wert
Monatlich aktive Benutzer	15,700
App Store-Bewertung	4.6/5

Telefon-Banking-Dienste

Das Kundendienst-Callcenter wickelt monatlich etwa 8.500 Kundeninteraktionen ab.

• Betriebszeiten: 7:30 – 18:00 Uhr CST
• Durchschnittliche Anrufantwortzeit: 2,3 Minuten
• Automatisierter Service rund um die Uhr verfügbar

ATM-Netzwerk

TCBS unterhält 18 eigene Geldautomatenstandorte und bietet über Netzwerkpartnerschaften Zugang zu 35.000 gebührenfreien Geldautomaten.

Details zum Geldautomatennetzwerk	Menge
Eigene Geldautomatenstandorte	18
Geldautomaten des Partnernetzwerks	35,000
Monatliche Geldautomatentransaktionen	42,300

Texas Community Bancshares, Inc. (TCBS) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere lokale Unternehmen

Gesamter Geschäftskundenstamm: 372 aktive Geschäftskunden

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	127	$385,000
Dienstleister	98	$275,000
Herstellung	76	$542,000
Bau	71	$412,000

Einzelne Verbraucher in texanischen Gemeinden

Gesamter Privatkundenstamm: 8.642 Privatbankkonten

• Persönliche Girokonten: 4.213
• Persönliche Sparkonten: 3.276
• Persönliche Anlagekonten: 1.153

Lokale gemeinnützige Organisationen

Gesamtes gemeinnütziges Kundensegment: 46 aktive Organisationskonten

Gemeinnützige Kategorie	Anzahl der Organisationen	Durchschnittliches jährliches Transaktionsvolumen
Gemeinnützige Bildungseinrichtungen	18	$1,250,000
Gemeinnützige Organisationen	14	$875,000
Religiöse Organisationen	9	$620,000
Gemeinnützige Organisationen im Gesundheitswesen	5	$1,100,000

Inhaber landwirtschaftlicher und ländlicher Unternehmen

Gesamtes landwirtschaftliches Kundensegment: 213 aktive Konten

• Pflanzenbaubetriebe: 87
• Viehzuchtbetriebe: 62
• Landwirtschaftliche Unterstützungsdienste: 64

Professionelle Dienstleister

Gesamter Kundenstamm für professionelle Dienstleistungen: 256 aktive Konten

Kategorie „Professioneller Service“.	Anzahl der Kunden	Durchschnittliches Geschäftsbankvolumen
Anwaltskanzleien	76	$620,000
Arztpraxen	98	$875,000
Wirtschaftsprüfungsgesellschaften	52	$412,000
Beratungsleistungen	30	$295,000

Texas Community Bancshares, Inc. (TCBS) – Geschäftsmodell: Kostenstruktur

Ausgaben der operativen Zweigstelle

Ab 2024 unterhält Texas Community Bancshares, Inc. 12 physische Filialen in ganz Texas. Die jährlichen Betriebskosten für diese Niederlassungen belaufen sich auf 3.742.000 US-Dollar.

Ausgabenkategorie	Jährliche Kosten
Miete und Nebenkosten	$1,245,000
Filialwartung	$687,000
Filialsicherheit	$412,000
Bürobedarf	$398,000

Wartung von Technologie und digitaler Infrastruktur

Die jährlichen Kosten für die Technologieinfrastruktur für TCBS betragen 2.560.000 US-Dollar.

• Wartung der Kernbanksoftware: 875.000 US-Dollar
• Cybersicherheitssysteme: 624.000 US-Dollar
• Netzwerk- und Hardware-Infrastruktur: 561.000 US-Dollar
• Digitale Banking-Plattform: 500.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Jährlicher Gesamtpersonalaufwand für TCBS: 9.345.000 USD

Personalkategorie	Jährliche Kosten
Vergütung von Führungskräften	$1,875,000
Gehälter für Filialmitarbeiter	$4,230,000
Gesundheits- und Altersvorsorgeleistungen	$3,240,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Jährliche Ausgaben für die Einhaltung gesetzlicher Vorschriften: 1.875.000 US-Dollar

• Rechts- und Beratungsdienstleistungen: 687.000 US-Dollar
• Compliance-Software und -Tools: 412.000 US-Dollar
• Prüfungs- und Berichterstattungskosten: 776.000 US-Dollar

Ausgaben für Marketing und Community-Engagement

Gesamtes jährliches Marketingbudget: 532.000 US-Dollar

Kategorie „Marketing“.	Jährliche Kosten
Digitales Marketing	$187,000
Sponsoring von Gemeinschaftsveranstaltungen	$145,000
Traditionelle Werbung	$200,000

Texas Community Bancshares, Inc. (TCBS) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Im vierten Quartal 2023 meldete TCBS einen Gesamtzinsertrag von 18,3 Millionen US-Dollar mit der folgenden Aufschlüsselung des Kreditportfolios:

Kreditkategorie	Gesamtsaldo	Zinserträge
Gewerbliche Kredite	152,6 Millionen US-Dollar	7,2 Millionen US-Dollar
Wohnhypothek	98,4 Millionen US-Dollar	4,9 Millionen US-Dollar
Verbraucherkredite	45,2 Millionen US-Dollar	3,7 Millionen US-Dollar
Agrarkredite	32,8 Millionen US-Dollar	2,5 Millionen Dollar

Gebührenpflichtige Bankdienstleistungen

TCBS generierte im Jahr 2023 4,2 Millionen US-Dollar an Servicegebühren und Gebühren:

• Kontoführungsgebühren: 1,3 Millionen US-Dollar
• Transaktionsgebühren: 1,7 Millionen US-Dollar
• Überziehungsgebühren: 0,8 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 0,4 Millionen US-Dollar

Provisionen für Anlageprodukte

Der Umsatz aus Wertpapierdienstleistungen belief sich im Jahr 2023 auf insgesamt 2,6 Millionen US-Dollar mit folgender Verteilung:

Anlageprodukt	Provisionseinnahmen
Investmentfonds	1,1 Millionen US-Dollar
Ruhestandsplanung	0,9 Millionen US-Dollar
Maklerdienstleistungen	0,6 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Der Umsatz im digitalen Banking erreichte im Jahr 2023 1,5 Millionen US-Dollar:

• Gebühren für die Bezahlung von Online-Rechnungen: 0,4 Millionen US-Dollar
• Gebühren für Mobile-Banking-Transaktionen: 0,6 Millionen US-Dollar
• Elektronische Überweisungsgebühren: 0,5 Millionen US-Dollar

Einnahmen aus Vermögensverwaltungsdienstleistungen

Vermögensverwaltungsdienstleistungen erwirtschafteten im Jahr 2023 3,1 Millionen US-Dollar:

Servicekategorie	Einnahmen
Vermögensverwaltung	1,8 Millionen US-Dollar
Finanzplanung	0,7 Millionen US-Dollar
Vertrauensdienste	0,6 Millionen US-Dollar

Texas Community Bancshares, Inc. (TCBS) - Canvas Business Model: Value Propositions

You're looking at Texas Community Bancshares, Inc. (TCBS) and seeing a community bank that's making a sharp pivot. The value proposition here isn't just about rates; it's about rootedness and responsiveness, which is translating into real financial results. The core entity, Broadstreet Bank, SSB, has a deep history, established in 1934, giving it over ninety-year commitment to East Texas communities like Mineola, Winnsboro, and Tyler. This local foundation is what supports their ability to make decisions quickly. This focus helped drive a year-to-date net income of $2.0 million through Q3 2025, a significant turnaround from the prior year's loss, so you see the value proposition is working. It's defintely a story of local trust meeting modern financial discipline.

The bank's offering is comprehensive, covering the full spectrum of needs for its customer base, from personal savings to commercial growth financing. This breadth, combined with the localized approach, is what sets the value apart from larger, more distant institutions.

• - Local decision-making for faster, flexible loan approvals.
• - Full-service personal and business banking solutions.
• - Deep, 90+ year commitment to East Texas communities.
• - Traditional banking values merged with modern digital technology.

The financial structure as of late 2025 backs up the stability promised by this long-term commitment. For instance, the leverage ratio stood at a robust 11.09% at March 31, 2025, comfortably exceeding the 9.0% threshold for well-capitalized status. This financial strength allows them to focus on relationship lending rather than chasing volatile, high-volume transactions. Here's the quick math: a net interest margin of 3.24% in Q1 2025 shows they are effectively managing the spread between what they earn on loans and what they pay on deposits, which is key to their profitability.

Value Proposition Metric	Financial/Statistical Data (As of Late 2025)	Contextual Detail
Community Longevity	Established 1934 (Over 90 years)	Operating entity: Broadstreet Bank, SSB
Financial Stability	Leverage Ratio: 11.09% (Q1 2025)	Exceeds regulatory 9.0% well-capitalized threshold
Profitability from Core Model	Net Interest Margin: 3.24% (Q1 2025)	Reflects successful balance sheet restructuring
Scale of Operations	Total Assets: Approximately $438 million to $439.5 million	Across seven branch locations in northeast Texas
Shareholder Confidence	Increased Quarterly Dividend to $0.05 per share (Nov 2025)	Plus a special cash dividend of $0.03 per share

The blend of old-school community focus with modern tools means customers get the speed of digital access alongside the assurance of local oversight. They offer digital banking (online/mobile) for convenience, while the loan underwriting process emphasizes local knowledge. This dual approach is crucial when competing against larger regional players who might lack that on-the-ground understanding of East Texas borrowers.

Texas Community Bancshares, Inc. (TCBS) - Canvas Business Model: Customer Relationships

You're running a community bank in a world that's increasingly digital, so Texas Community Bancshares, Inc. (TCBS) has to balance the personal touch with modern convenience. The core of their business model, as reflected by their approximately $439.5 million in total assets as of Q3 2025, is explicitly relationship-driven community banking. This means every interaction is geared toward building long-term trust, which is how they reversed a prior loss to post a year-to-date net income of $2.0 million through September 30, 2025. That turnaround shows their relationship strategy is working in the current environment.

The commitment to relationship banking translates directly into how they staff and operate. They emphasize local decision-making, which you know is crucial for speed and relevance in community lending. This structure relies heavily on having dedicated local loan officers and branch associates who know the market and the customer base personally. Honestly, for a bank of this size, that local knowledge is a key resource that larger institutions can't easily replicate.

Direct in-person service remains a cornerstone of the Texas Community Bancshares, Inc. (TCBS) model. They maintain a physical footprint designed for accessibility across their service area. This means you can still walk in and talk to someone face-to-face about your mortgage or business needs. The bank operates through seven full-service branch locations across East Texas, serving communities like Mineola, Winnsboro, and Tyler, plus the Dallas Fort Worth Metroplex area.

Here's a quick look at how their physical and digital channels stack up as of late 2025:

Relationship Channel	Metric/Data Point	2025 Status/Detail
In-Person Service	Number of Branch Locations	7 full-service locations
Digital Transactional	Online Account Opening	Implemented in 2025
Digital Lending	Consumer Loan Process	Automated from application to funding (Launched 2025)
Customer Support	Real-Time Information Access	Available via online banking enrollment

Still, you can't ignore the digital side, especially since they are focused on growth. Texas Community Bancshares, Inc. (TCBS) has been actively integrating technology to enhance transactional convenience without sacrificing the personal touch. In 2025, they made concrete moves by launching an automated consumer loan process from application all the way to funding. Plus, they rolled out online account opening capabilities. These digital enhancements help you manage day-to-day banking tasks efficiently. You can get real-time account information on the go by enrolling for online banking, which is a necessary step for modern banking, even in a relationship-focused model.

Finance: draft the 13-week cash flow view by Friday, focusing on deposit flow projections based on branch activity.

Texas Community Bancshares, Inc. (TCBS) - Canvas Business Model: Channels

You're looking at how Texas Community Bancshares, Inc. gets its products and services into the hands of its customers across East Texas. For a community bank with total assets around $439.5 million as of the third quarter of 2025, the channel strategy balances traditional, face-to-face service with necessary digital access.

The physical footprint is concentrated, which supports that relationship-banking focus. Broadstreet Bank, SSB, the operating subsidiary, maintains a network of seven full-service branch locations.

Here's a quick breakdown of the physical and near-physical touchpoints as of the latest reporting:

Channel Type	Location Count / Detail	Geographic Focus	Data Point Year/Period
Physical Branch Network	7 locations	Northeast Texas (Mineola, Winnsboro, Lindale, Grand Saline, Edgewood, Tyler)	As of Q1 2025
Loan Production Office (LPO)	At least one established in Canton	Texas Market Expansion	Established in 2023
Bank Owned Real Estate (Expansion Property)	One property, purchased for expansion, is now listed for sale	Unspecified	As of Q1 2025

To support these physical locations, Texas Community Bancshares, Inc. provides digital access. They offer online banking solutions and mobile platforms, which are part of their stated 'array of electronic services.' While we don't have the exact number of active digital users for late 2025, this digital layer is crucial for serving customers who might be outside the immediate vicinity of the seven branches, especially as the bank works to grow its net interest income, which hit $3.3 million in the first quarter of 2025.

For cash access, the ATM network is a standard utility, though specific numbers aren't detailed in the latest reports. You can assume the ATMs are co-located with the seven branch offices, providing immediate cash access for customers supporting the bank's operations that generated $643,000 in net income in Q1 2025.

The channel strategy clearly leans on physical presence for core relationship building, supplemented by electronic services for convenience. If onboarding for digital services takes 14+ days, churn risk rises, especially when competitors offer instant access.

Texas Community Bancshares, Inc. (TCBS) - Canvas Business Model: Customer Segments

You're looking at a classic community bank model, one that's deeply rooted in a specific geographic area, which is key to understanding Texas Community Bancshares, Inc.'s (TCBS) customer base. The core is serving the people and businesses right where their seven branch locations are situated across northeast Texas, including areas like Mineola and Tyler. This local focus is what drives their entire operation, which is why relationship-driven banking is at the heart of their strategy.

The first segment is individuals and families in Wood, Smith, and Van Zandt counties. These are the folks who use their full-service personal banking products, like checking, savings, and consumer loans. While I don't have the exact deposit breakdown for just those three counties from the June 30, 2025, Summary of Deposits, we know the bank's total consolidated assets were approximately $439.5 million as of the third quarter of 2025. This gives you a sense of the scale of the local retail market they serve through their physical footprint.

Next, you have small and medium-sized businesses in the local market. This segment is where Texas Community Bancshares, Inc. has been strategically focusing its growth. After a 2024 residential loan sale, a large portion of those proceeds were redeployed into higher-yielding commercial loans, showing a clear intent to balance the portfolio and grow these commercial relationships. They offer full-service business banking to these enterprises.

The third group, residential and commercial real estate investors/developers, forms a significant part of their lending activity. Historically, their lending has centered on one-to-four-family residential mortgage loans and commercial real estate loans. Even with the strategic shift toward commercial lending, real estate remains a primary portfolio segment. As of Q3 2025, their net loans and leases stood at $283.7 million, which is the pool of capital they are deploying to these segments. To be fair, a high concentration in local real estate is a classic community bank risk to keep an eye on, especially with nonaccrual loans totaling $2.197 million in Q3 2025.

Here's a quick look at the financial scale that supports these customer segments as of late 2025:

Financial Metric	Amount/Value	Date/Period
Total Consolidated Assets	$439.5 million	Q3 2025
Net Loans and Leases	$283.7 million	Q3 2025
Net Income (Year-to-Date)	$2.0 million	Through Q3 2025
Net Interest Margin (NIM)	3.24%	Q1 2025
Allowance for Credit Losses to Total Loans	1.09%	March 31, 2025

The customer base is served through these key offerings, which are tailored to the local economic structure:

• Full-service personal and business banking to consumers.
• Residential real estate lending, historically a core product.
• Commercial real estate lending, a segment they are actively growing.
• Commercial loans, which are now a greater focus for higher yields.
• Consumer loans, generally secured by used automobiles and recreational vehicles.

Finance: draft the loan portfolio mix percentage for Q4 2025 by Friday.

Texas Community Bancshares, Inc. (TCBS) - Canvas Business Model: Cost Structure

You're mapping out the cost base for Texas Community Bancshares, Inc. (TCBS) as of late 2025, focusing on the hard numbers from their latest reports. For a community bank like this, the cost structure is dominated by funding costs and the expense of maintaining its physical presence and operations.

The most immediate cost component is the expense associated with funding their balance sheet. For the three months ended March 31, 2025, Texas Community Bancshares, Inc. reported an interest expense on deposits and borrowings of $2,306 thousand. This figure covers interest paid on customer deposits and any advances taken, such as from the Federal Home Loan Bank (FHLB).

The operational costs, which cover everything outside of interest paid to depositors and creditors, are captured in noninterest expense. For the first quarter of 2025, the noninterest expense totaled $2,928 thousand. This single figure bundles several key cost drivers you asked about, including personnel, physical network upkeep, and technology.

Here is a snapshot of the key reported cost and related metrics from the Q1 2025 Unaudited Financial Results:

Cost Component Category	Financial Amount (in thousands)	Period
Interest Expense on Deposits and Borrowings	$2,306	Three Months Ended March 31, 2025
Noninterest Expense (Aggregate Operating Costs)	$2,928	Three Months Ended March 31, 2025

The physical network cost is tied to the bank's footprint. As of early 2024, and maintained contextually through 2025 reports, Texas Community Bancshares, Inc. operates seven full-service branch locations across Texas. The costs associated with these branches-rent, utilities, maintenance, and the personnel staffing them-are embedded within that $2,928 thousand noninterest expense figure.

Breaking down the noninterest expense is where we have to rely on the aggregate number, as specific line items for employee costs versus technology aren't itemized in the readily available summary data. However, we know the components that make up this category include:

• Employee salaries, benefits, and administrative overhead.
• Operating costs for the seven-branch physical network.
• Technology and data processing expenses (core system).

To be fair, that $2,928 thousand quarterly figure reflects management's success in efficiency projects, as it was a decrease from $3,071 thousand in the same period of 2024. That 4.7% reduction in noninterest expense year-over-year shows active cost management.

Finance: draft a projection for Q4 2025 noninterest expense based on the Q1 2025 run-rate by Wednesday.

Texas Community Bancshares, Inc. (TCBS) - Canvas Business Model: Revenue Streams

You're analyzing the core engine of Texas Community Bancshares, Inc. (TCBS), and honestly, for a bank holding company like this, the revenue streams are straightforward: interest earned minus interest paid, plus fees. The primary driver, Net Interest Income (NII) from their loan and investment portfolios, is what really moves the needle. For the nine months ended September 30, 2025, the NII reached approximately $9.78 million. This figure shows the success of their balance sheet restructuring, which involved shifting proceeds from a 2024 residential loan sale into higher-yielding commercial loans. That strategic redeployment is key to understanding their current profitability trajectory.

To give you a clearer picture of the top-line performance through the third quarter of 2025, here's a breakdown of the key components that make up the revenue side of the canvas. This is where you see the direct result of their asset management decisions.

Revenue Component	Period/Basis	Amount
Net Interest Income (NII)	Year-to-Date Q3 2025	$9.78 million
Noninterest Income (Service Charges and Fees)	Year-to-Date Q3 2025	$2.17 million
Net Interest Income (NII)	Q1 2025	$3.3 million
Net Income (Overall Profitability)	Year-to-Date Q3 2025	$2.0 million

The NII itself is generated by the assets they hold, which is where the loan portfolio composition becomes critical. The management team has been actively balancing this portfolio, moving toward assets that generate better returns in the current rate environment. This focus directly impacts the interest earned.

The interest earnings are heavily weighted toward specific loan types that Broadstreet Bank, SSB, specializes in:

• Interest from residential mortgage loans.
• Interest from commercial real estate loans.
• Interest from agricultural loans, as part of their diversified lending focus.

The noninterest income stream, while smaller, provides a steady base of fee revenue. This comes from the day-to-day banking services they offer consumers and businesses across their seven northeast Texas locations. For the same nine-month period ending September 30, 2025, this noninterest income component contributed $2.17 million. If onboarding takes 14+ days, churn risk rises, and similarly, if fee generation slows, the bank relies even more heavily on that core NII spread.