---
schema_version: "secwatch.filing_event.v1"
accession: "0001185185-26-000533"
form_type: "8-K"
ticker: null
cik: "0001766526"
company_name: "Tectonic Financial, Inc."
filed_at: "2026-02-12T23:59:59+00:00"
generated_at: "2026-05-16T03:05:21.295851+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Tectonic Financial issues $40M 7.25% subordinated notes; proceeds to redeem debt, preferred

## Summary
- Issued $40M aggregate principal of 7.25% Fixed-to-Floating Rate Subordinated Notes due 2036 to institutional investors.
- Notes mature Feb 15, 2036; fixed 7.25% through Feb 15, 2031, then SOFR+368bps quarterly.
- Net proceeds earmarked for redemption of T Bancshares indebtedness and 9.00% Series B preferred stock.
- Notes qualify as Tier 2 capital; unsecured subordinated obligations of Tectonic Financial.
- Performance Trust Capital Partners acted as sole placement agent.

## SEC filing metadata
- accession: 0001185185-26-000533
- form_type: 8-K
- cik: 0001766526
- company_name: Tectonic Financial, Inc.
- filed_at: 2026-02-12T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 1.01, 2.03, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1766526/000118518526000533/0001185185-26-000533-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1766526/000118518526000533/tectp8k021126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001185185-26-000533
- JSON: https://secwatch.observer/filing/0001185185-26-000533.json
- Plain text: https://secwatch.observer/filing/0001185185-26-000533.txt

## Source-grounded claims
- claim_id: 1be4bf2effd51f7860f36f83845627781a0c2cbb
  claim: Tectonic Financial, Inc. incurred senior notes of $40 million with certain institutional accredited investors and qualified institutional buyers at 7.25% Fixed-to-Floating Rate maturing February 15, 2036.
  evidence_excerpt: On February 11, 2026, Tectonic Financial, Inc. (the “Company”), the parent company for T Bank, National Association (the “Bank”), entered into Subordinated Note Purchase Agreements (the “Purchase Agreements”) with certain institutional “accredited investors,”
  evidence_url: https://www.sec.gov/Archives/edgar/data/1766526/000118518526000533/0001185185-26-000533-index.htm
- claim_id: 3c254ba54fbbcebafc33575ad36bf2aadfcdc79c
  claim: Tectonic Financial, Inc. entered into Subordinated Note Purchase Agreements with certain institutional accredited investors and qualified institutional buyers valued at $40 million in aggregate principal amount of its 7.25% Fixed-to-Floating Rate Subordinated Notes due (effective 2026-02-11).
  evidence_excerpt: On February 11, 2026, Tectonic Financial, Inc. (the “Company”), the parent company for T Bank, National Association (the “Bank”), entered into Subordinated Note Purchase Agreements (the “Purchase Agreements”) with certain institutional “accredited investors,”
  evidence_url: https://www.sec.gov/Archives/edgar/data/1766526/000118518526000533/0001185185-26-000533-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.