{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-007974","form_type":"8-K","ticker":"TCBS","cik":"0001849466","company_name":"Texas Community Bancshares, Inc.","filed_at":"2024-05-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:20.792295+00:00","generated_at":"2026-06-02T02:45:48.305147+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"TCBS Q1 net loss widens to $2.7M on loan repositioning strategy","bullets":["Net loss of $2.7M vs $1.0M loss a year ago; diluted EPS loss of $0.90 vs $0.33.","Noninterest loss of $3.6M, driven by $1.5M loss on sale of 54 performing loans ($12.4M) and $2.3M valuation allowance on 81 loans held for sale ($17.0M).","Net interest income rose 12.6% to $3.0M; net interest margin expanded 11 bps to 2.79%.","Total shareholders' equity fell 4.1% to $51.5M; Broadstreet Bank community bank leverage ratio 10.09% (well-capitalized threshold: 9.0%).","Management cites deliberate balance sheet repositioning to reinvest in higher-yielding loans and reduce residential mortgage concentration."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-007974","json":"https://secwatch.observer/filing/0001558370-24-007974.json","markdown":"https://secwatch.observer/filing/0001558370-24-007974.md","text":"https://secwatch.observer/filing/0001558370-24-007974.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1849466/000155837024007974/0001558370-24-007974-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1849466/000155837024007974/tcbs-20240513x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T02:45:48.305147+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"97f1fe7ec1455bf40c60961d886fc13f474dec02","claim":"Texas Community Bancshares, Inc. reported three months ended March 31, 2024 results: net income net loss of $2.7 million, EPS $(0.90).","evidence_excerpt":"Texas Community Bancshares, Inc. issued a press release announcing its unaudited consolidated financial results for the three months ended March 31, 2024 and 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1849466/000155837024007974/0001558370-24-007974-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended March 31, 2024"},{"label":"Net income","value":"net loss of $2.7 million"},{"label":"EPS","value":"$(0.90)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}