Exhibit 99.1 Company Contact: Jason Sobel President and Chief Executive Officer Texas Community Bancshares, Inc. (903) 569-2602 jsobel@broadstreet.bank TEXAS COMMUNITY BANCSHARES, INC. REPORTS UNAUDITED FINANCIAL RESULTS FOR THE SECOND QUARTER ENDED JUNE 30, 2025 MINEOLA, Texas; August 1, 2025 — Texas Community Bancshares, Inc. ("Texas Community Bancshares" or the "Company") (NASDAQ: TCBS), the holding company for Broadstreet Bank, SSB, today reported net income of $678,000 for the three months ended June 3 ...

Core Viewpoint - Texas Community Bancshares, Inc. reported significant improvements in net income for the second quarter and first half of 2025, marking a positive trend in earnings and operational efficiency since its IPO four years ago [1][2]. Financial Performance - Net income for the three months ended June 30, 2025, was $678,000, compared to $348,000 for the same period in 2024, and for the six months ended June 30, 2025, it was $1.3 million compared to a net loss of $2.3 million in 2024 [1][2]. - Net interest income increased by $356,000, or 5.8%, to $6.5 million for the first half of 2025 from $6.1 million in the same period of 2024, primarily due to a decrease in interest expense [3][5]. - Total interest income remained flat for the first half of 2025 compared to 2024, but decreased by $207,000 in the second quarter of 2025 compared to the same quarter in 2024 [5]. Asset Quality - The company recorded a provision for credit losses of $71,000 for the first half of 2025, compared to a reversal of $153,000 in the same period of 2024, indicating a shift in credit quality [7]. - As of June 30, 2025, past due loans represented 3.71% and nonaccrual loans 3.58% of the loan portfolio, with two significant loan relationships contributing to this increase [8]. Shareholders' Equity - Total shareholders' equity increased by $761,000, or 1.5%, to $52.9 million at June 30, 2025, driven by net income and a decrease in accumulated other comprehensive loss [10]. - The company repurchased 84,500 shares of common stock for $1.3 million and paid quarterly dividends totaling $242,000 [10]. Strategic Initiatives - The company has invested in new technology and products, including an automated consumer loan process and online account opening, to enhance customer experience [2]. - The bank is focused on expanding its market share and improving its branch network while executing its strategic growth plan [2].

Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ⌧ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ◻ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______________ to _______________ Commission File No. 001-40610 Texas Community Bancshares, Inc. (Exact Name of Registrant as Specified in Its Charter) | Maryland | ...

Financial Performance - Texas Community Bancshares reported net income of $643,000 for Q1 2025, compared to a net loss of $2.7 million in Q1 2024, marking the fourth consecutive quarter of net income growth[1][2]. - Noninterest income surged by $4.1 million, or 113.9%, to $462,000 in Q1 2025, recovering from a loss of $3.6 million in Q1 2024[3]. Income and Expenses - Net interest income increased by $365,000, or 12.3%, to $3.3 million for Q1 2025, driven by a 45 basis point increase in net interest margin from 2.79% to 3.24%[2]. - Average loan yields rose by 61 basis points to 5.88% in Q1 2025, compared to 5.27% in Q1 2024, reflecting a strategic shift towards higher yielding commercial loans[2]. - Noninterest expense decreased by $143,000, or 4.7%, to $2.9 million in Q1 2025, primarily due to reductions in occupancy, equipment, and technology expenses[5]. Credit and Capital - The provision for credit losses was recorded at $113,000 for Q1 2025, with an allowance for credit losses to total loans ratio of 1.09%[5][6]. - Total shareholders' equity increased by $647,000, or 1.2%, to $52.8 million at March 31, 2025, supported by net income and a reduction in accumulated other comprehensive loss[7]. - Broadstreet Bank maintained a leverage ratio of 11.09% as of March 31, 2025, indicating it is well-capitalized under the community bank leverage ratio framework[8]. Asset Management - The bank's total assets decreased slightly to $442.2 million at March 31, 2025, from $443.5 million at December 31, 2024[10]. Strategic Initiatives - Texas Community Bancshares has approved a stock repurchase program for up to 5% of outstanding common shares, reflecting confidence in future growth prospects[2].

Financial Performance - Net interest income increased to $12,550 thousand in 2024, up from $11,064 thousand in 2023, representing a growth of about 13.4%[220] - For the year ended December 31, 2024, net interest income increased by $1.5 million, or 13.4%, to $12.55 million compared to $11.06 million in 2023[242] - Interest income rose by $3.5 million, or 18.4%, to $22.5 million for the year ended December 31, 2024, driven by increased interest income on loans[248] - Interest income on net loans and leases increased by $3.1 million, or 24.0%, to $15.9 million for the year ended December 31, 2024[250] - Interest income from interest-bearing deposits in banks increased by $271,000, or 60.0%, to $723,000 for the year ended December 31, 2024[252] - Interest expense increased by $2.0 million, or 25.3%, to $9.9 million for the year ended December 31, 2024, primarily due to a 42 basis points increase in the average yield on interest-bearing liabilities[254] - Net interest income rose by $1.5 million, or 13.5%, to $12.6 million for the year ended December 31, 2024, driven by a 3.8% increase in interest-earning assets[256] Asset Quality - The total nonperforming assets to total assets ratio was 0.62% in 2024, up from 0.30% in 2023, indicating a deterioration in asset quality[213] - Nonperforming loans as a percentage of total loans increased to 0.76% in 2024 from 0.41% in 2023, reflecting a decline in asset quality[221] - Provision for credit losses decreased to $158 thousand in 2024 from $356 thousand in 2023, a reduction of approximately 55.6%[220] - Provision for credit losses decreased by $198,000, or 55.6%, to $158,000 for the year ended December 31, 2024, reflecting significant loan growth in 2023[257] - The allowance for credit losses to total loans and leases was 1.09% as of December 31, 2024[289] Deposits and Loans - Total deposits increased to $335,828 thousand in 2024, compared to $317,241 thousand in 2023, reflecting a growth of about 5.0%[220] - Core deposits totaled $205.9 million, or 61.3% of total deposits, as of December 31, 2024, compared to $198.5 million, or 62.6% in 2023, indicating a slight decrease in the proportion of core deposits[213] - Net loans and leases receivable increased by $13.8 million, or 4.9%, to $293.7 million, driven by an increase in commercial real estate loans and construction loans[231] - Commercial real estate loans rose to $56.1 million, or 19.0% of total loans, compared to $41.8 million, or 14.8% in 2023, indicating a significant increase in focus on this segment[210] - Construction and land loans increased to $54.1 million, or 18.4% of total loans, up from $37.5 million, or 13.3% in 2023, showing a strategic shift towards diversification[210] - Deposits increased by $18.6 million, or 5.9%, to $335.8 million, with brokered deposits rising by $10.0 million, or 83.4%[236] Expenses and Losses - Noninterest expense increased to $12,270 thousand in 2024 from $11,997 thousand in 2023, reflecting a rise of approximately 2.3%[220] - Noninterest income decreased by $2.3 million, or 641.0%, resulting in a loss of $1.9 million for the year ended December 31, 2024, primarily due to a $3.8 million loss on the sale of loans[259] - Noninterest expense increased by $273,000, or 2.3%, to $12.3 million for the year ended December 31, 2024, mainly due to higher occupancy and equipment costs[260] - Salary and employee benefit expenses decreased by $229,000, or 3.2%, to $6.8 million for the year ended December 31, 2024, despite increases in equity award expenses[261] - The net loss for the year ended December 31, 2024, was $1.3 million, an increase of $572,000, or 78.0%, compared to a net loss of $733,000 in 2023[247] Capital and Liquidity - Total assets decreased to $443,457 thousand in 2024 from $452,044 thousand in 2023, a decline of approximately 1.3%[220] - Total shareholders' equity decreased by $1.6 million, or 3.0%, to $52.1 million, primarily due to a net loss of $1.3 million for the year[238] - The efficiency ratio worsened to 115.24% in 2024 from 105.09% in 2023, indicating increased noninterest expenses relative to income[221] - At December 31, 2024, Broadstreet Bank's community bank leverage ratio was 10.84%, exceeding the required 9.0% to be considered "well capitalized" under regulatory requirements[239] - At December 31, 2024, Broadstreet Bank exceeded all regulatory capital requirements and was categorized as well-capitalized[290] - The company has a Federal Home Loan Bank borrowing capacity of $102.4 million and $18 million in credit lines with two correspondent banks[293] Securities and Investments - The total gross unrealized losses on the securities portfolio amounted to $9.0 million, or 8.7% of the $103.7 million portfolio, and 18.8% of capital[286] - The net unrealized loss on AFS securities and derivatives combined was $4.8 million, or 9.9% of capital[288] - The company anticipates $42.7 million in incoming cash flow from the securities portfolio over the next 24 months, with $22.4 million expected in 2025 and $20.3 million in 2026[286] - The company entered into interest rate swap agreements with a total notional amount of $25 million to hedge risks associated with fixed-rate AFS securities[287] Interest Rate Sensitivity - In the event of a 200 basis point increase in interest rates, net interest income would increase by 7.50%[270] - In the event of a 200 basis point decrease in interest rates, net economic value (EVE) would decrease by 8.65%[275] Other Financial Metrics - The average cost of deposits increased by 42 basis points, or 17.4%, to 2.83% at December 31, 2024, compared to 2.41% at December 31, 2023[236] - The average yield on interest-earning assets increased by 66 basis points, or 14.0%, from 4.68% in 2023 to 5.34% in 2024[248] - The average balance of the loan portfolio increased by $14.7 million, or 5.5%, from $268.2 million in 2023 to $282.9 million in 2024[250] - The average balance of securities decreased by $12.6 million, or 10.2%, from $123.5 million in 2023 to $110.9 million in 2024[249] - Dividends on restricted investments increased by $62,000, or 39.0%, to $221,000 for the year ended December 31, 2024[251]

Core Viewpoint - Texas Community Bancshares, Inc. has announced a new stock repurchase program authorizing the repurchase of up to 153,083 shares, representing approximately 5% of its outstanding common stock as of February 25, 2025 [1] Group 1 - The company has repurchased over 85% of the 161,316 shares authorized under the previous stock repurchase program [1] - The repurchases will be conducted through open market purchases or privately negotiated transactions, depending on market conditions [2] - The company emphasizes its commitment to maintaining financial flexibility for core operations while executing the stock repurchase program [2]

Group 1 - Texas Community Bancshares, Inc. declared a quarterly cash dividend of $0.04 per share of common stock, payable on or about September 26, 2024, to stockholders of record as of September 12, 2024 [1] - Broadstreet Bank, SSB, the subsidiary of Texas Community Bancshares, operates seven locations in northeast Texas and has grown to $450 million in assets since its establishment in 1934 [2] - The bank offers full-service personal and business banking, as well as residential and commercial real estate lending, leveraging its 90 years of experience to create financial opportunities for the communities it serves [2]

Financial Position - Total assets increased by $11.8 million, or 2.6%, to $463.8 million at March 31, 2024, from $452.0 million at December 31, 2023[151]. - Cash and cash equivalents rose by $7.9 million, or 60.3%, to $21.0 million at March 31, 2024, primarily due to a strategic loan sale of $12.4 million[152]. - Interest bearing deposits in banks increased by $16.2 million, or 131.7%, to $28.5 million at March 31, 2024, driven by net purchases of $5.0 million in Qwickrate CDs and an increase in excess cash[153]. - Total deposits increased by $14.6 million, or 4.6%, to $331.8 million at March 31, 2024, with core deposits increasing by $11.3 million, or 5.7%[158]. - The company had outstanding advances of $76.5 million from the Federal Home Loan Bank of Dallas and unused borrowing capacity of $81.2 million[186]. - The Bank's FHLB borrowing capacity is $81.2 million, with an additional $15 million in unused credit lines available[200]. Loan and Lease Activity - The company reported a decrease in net loans and leases of $12.4 million, or 4.4%, from $279.9 million at December 31, 2023, to $267.5 million at March 31, 2024[151]. - Net loans and leases receivable decreased by $12.4 million, or 4.4%, to $267.5 million at March 31, 2024, primarily due to the sale of a block of 54 performing loans[156]. - The company sold 54 performing loans totaling $12.4 million at a loss of $1.5 million as part of a portfolio repositioning strategy[151]. - The Bank is strategically increasing lending in commercial real estate (CRE) and other commercial lending to balance its loan portfolio, with plans to sell $30 million in loans[197]. Credit Losses and Allowance - The allowance for credit losses increased from $1.8 million at December 31, 2022, to $2.8 million upon adoption of the CECL methodology on January 1, 2023[144]. - The company’s total allowance for credit losses was deemed adequate at March 31, 2024, and is reviewed quarterly by the board of directors[145]. - As of March 31, 2024, the allowance for credit losses to loans and leases held for investment was 1.10%, indicating strong asset quality[197]. - Provision for credit losses showed a reversal of $277,000 in Q1 2024, compared to a provision of $90,000 in Q1 2023, resulting in a decrease of $367,000, or 407.8%[178]. Income and Expenses - The company reported a net loss of $2.7 million for the three months ended March 31, 2024, compared to a net loss of $1.0 million for the same period in 2023, a decrease of $1.7 million, or 170.0%[167]. - Noninterest income decreased by $2.4 million, or 200.0%, to a loss of $3.6 million in Q1 2024 from a loss of $1.2 million in Q1 2023, primarily due to losses from loan sales and valuation allowances[179]. - Noninterest expense increased by $433,000, or 16.4%, to $3.1 million in Q1 2024 from $2.6 million in Q1 2023, mainly due to higher salaries, employee benefits, and occupancy costs[182]. Interest Income and Expense - Interest income increased by $1.3 million, or 31.7%, to $5.4 million for the three months ended March 31, 2024, driven by increased yields and average loan balances[168]. - Interest income on loans increased by $929,000, or 33.4%, to $3.7 million for the three months ended March 31, 2024, due to an increase in average loans and loan yield[169]. - Interest income on interest-bearing deposits increased by $207,000, or 422.4%, from $49,000 in Q1 2023 to $256,000 in Q1 2024, driven by a $14.1 million increase in average interest-bearing deposits, or 300.0%[171]. - Total interest expense rose by $941,000, or 62.2%, to $2.4 million in Q1 2024 from $1.5 million in Q1 2023, primarily due to a $38.4 million increase in average interest-earning liabilities[175]. - Net interest income increased by $331,000, or 12.6%, to $3.0 million in Q1 2024 from $2.6 million in Q1 2023, attributed to an increase in interest-earning assets of $32.4 million, or 8.3%[177]. Capital and Regulatory Compliance - The company had a community bank leverage ratio of 10.09% at March 31, 2024, indicating it was well capitalized[162]. - As of March 31, 2024, the Bank is categorized as well-capitalized and exceeds all regulatory capital requirements[198]. - The Bank has implemented strategies to maintain capital levels exceeding well-capitalized status and to grow core deposit accounts[206]. Securities and Market Risk - Securities available for sale decreased by $243,000, or 0.3%, to $93.1 million at March 31, 2024, with net unrealized losses decreasing by $417,000, or 7.5%[154]. - Securities held to maturity decreased by $1.2 million, or 4.6%, to $24.8 million at March 31, 2024[155]. - The weighted average life of the securities portfolio was 5.1 years as of March 31, 2024, with total gross unrealized losses of $9.9 million, or 7.9% of the $125.0 million securities portfolio[193]. - The company expects to realize $43.8 million in cash flow from the securities portfolio over the next 24 months, with $25.4 million expected in the next 12 months[195]. - The Bank entered into interest rate swap agreements with a total notional amount of $25 million to hedge risks associated with fixed rate AFS securities, offsetting an unrealized loss of $442,000[196]. - A 200 basis point increase in interest rates would result in a 5.2% increase in net interest income, while a 200 basis point decrease would lead to a 6.8% decrease[208]. - The estimated net economic value (EVE) of the Bank's assets would decrease by 10.85% in the event of a 200 basis point decrease in interest rates[212]. - The Bank is utilizing a third-party modeling program to evaluate interest rate risk and manage exposure to changes in market interest rates[199].

Financial Performance - Texas Community Bancshares reported a net loss of $2.7 million for Q1 2024, compared to a net loss of $1.0 million in Q1 2023, with losses per share of $(0.90) and $(0.33) respectively[1][2]. - Noninterest income decreased by $2.4 million, or 200.0%, resulting in a loss of $3.6 million for Q1 2024, primarily due to a $1.5 million loss from loan sales and a $2.3 million valuation allowance[4]. - Noninterest expense rose by $433,000, or 16.4%, to $3.1 million for Q1 2024, mainly due to increases in salaries, occupancy, and other operational costs[5]. - Total shareholders' equity decreased by $2.2 million, or 4.1%, to $51.5 million at March 31, 2024, primarily due to the net loss and share repurchases[8]. Income and Assets - Net interest income increased by $331,000, or 12.6%, to $3.0 million for Q1 2024, driven by an increase in interest-earning assets of $32.4 million, or 8.3%, to $424.9 million[3]. - Total assets increased to $463.8 million at March 31, 2024, up from $452.0 million at December 31, 2023[9]. Credit Quality - The allowance for credit losses decreased by $367,000, or 407.8%, due to a reversal of provision for credit losses of $277,000 in Q1 2024[6]. - Net charge-offs to average outstanding loans were 0.01% for Q1 2024, with past due loans at 0.41% and nonaccrual loans at 0.44%[7]. Expansion and Capitalization - The bank opened a new branch in Tyler, Texas, and a new building for the Lindale branch, expanding operations to seven full-service locations and one loan production office[10]. - Broadstreet Bank's community bank leverage ratio was 10.09% at March 31, 2024, exceeding the 9.0% requirement to be considered "well capitalized"[8].

Financial Performance - The company reported a net loss of $733,000 for the year ended December 31, 2023, compared to net income of $1.754 million in 2022, largely due to a loss on the sale of securities and a one-time CECL adjustment[247]. - Net loss for the year ended December 31, 2023, was $733,000, a decrease of $2.5 million, or 138.9%, compared to net income of $1.8 million in 2022[257]. - The company reported a net loss of $733,000 for 2023, compared to a net income of $1,754,000 in 2022[323]. - Noninterest income decreased by $1.5 million, or 78.9%, to $352,000 for the year ended December 31, 2023, primarily due to a $1.7 million loss on the sale of securities[268]. - Noninterest expenses increased to $11,997 million in 2023, up from $9,766 million in 2022, marking a rise of 22.5%[317]. Asset and Deposit Growth - Total assets increased to $452.0 million as of December 31, 2023, compared to $417.3 million in 2022, reflecting a growth of 8.3%[233]. - Total deposits rose to $317.2 million in 2023, up from $296.1 million in 2022, indicating a growth of 7.5%[233]. - Deposits increased by $21.1 million, or 7.1%, to $317.2 million at December 31, 2023, with core deposits decreasing by $8.2 million, or 4.0%[245]. - Cash and cash equivalents increased to $13,060 million in 2023 from $8,927 million in 2022, a growth of 46.5%[315]. Loan Portfolio - One-to-four family residential mortgage loans amounted to $172.2 million, representing 60.8% of total loans as of December 31, 2023[217]. - Commercial real estate loans reached $41.8 million, or 14.8% of total loans, while construction and land loans were $37.5 million, or 13.3% of total loans as of December 31, 2023[219]. - Net loans and leases receivable increased by $28.6 million, or 11.4%, to $279.9 million at December 31, 2023, with total loan originations of $114.3 million during the year[244]. - The company plans to prudently increase commercial real estate lending and construction and land lending to diversify its loan portfolio and income sources[219]. Credit Losses and Allowance - The allowance for credit losses increased from $1.8 million at December 31, 2022, to $2.8 million upon the adoption of the CECL methodology on January 1, 2023[225]. - The allowance for credit losses as a percentage of total loans increased to 1.09% in 2023 from 0.69% in 2022, reflecting heightened credit risk management[236]. - Provision for credit losses on loans was $329 million in 2023, compared to $208 million in 2022, representing a 58.7% increase[317]. - The provision for credit losses increased by $148,000, or 71.2%, in 2023 compared to the previous year[257]. Interest Income and Expense - Net interest income rose to $11.064 million in 2023, up from $10.283 million in 2022, while noninterest income decreased significantly to $352,000 from $1.868 million[236]. - Interest income increased by $6.4 million, or 50.8%, to $19.0 million for the year ended December 31, 2023, from $12.6 million in 2022[258]. - Interest expense increased by $5.6 million, or 243.5%, to $7.9 million for the year ended December 31, 2023, primarily due to a 157 basis points increase in average yield on interest-bearing liabilities[264]. - Net interest income after provision for credit losses rose to $10,708 million in 2023, up from $10,075 million in 2022, an increase of 6.3%[317]. Capital and Regulatory Compliance - Total shareholders' equity decreased by $2.2 million, or 3.9%, to $53.7 million at December 31, 2023, impacted by the net loss and share repurchases[247]. - The community bank leverage ratio was 10.76% at December 31, 2023, exceeding the required minimum of 9.0% to be considered "well capitalized"[248]. - As of December 31, 2023, Broadstreet Bank exceeded all regulatory capital requirements and was categorized as well-capitalized[302]. Market Expansion and Branch Openings - The company opened a new branch in Tyler and a loan production office in Canton in February 2024 to support market expansion[219]. - The Company opened two new branches in Lindale and Tyler in January and February 2024, respectively, as part of its market expansion strategy[405]. Interest Rate Risk Management - The company has implemented strategies to manage interest rate risk, including maintaining high liquidity and diversifying the investment securities portfolio[277]. - In the event of a 200 basis point increase in interest rates, net interest income would decrease by 2.27%[279]. - An instantaneous 200 basis point increase in interest rates would lead to an 11.19% decrease in the net economic value of equity (EVE)[284]. Securities and Investments - The total gross unrealized losses on the securities portfolio amounted to $9.8 million, or 7.8% of the $126.5 million portfolio, representing 16.5% of Tier 1 capital[296]. - The company anticipates $43.4 million in incoming cash flow from the securities portfolio over the next 24 months, with $21.9 million expected in 2024 and $21.5 million in 2025[296]. - The weighted average life of the securities portfolio is 5.2 years, with gross unrealized losses on AFS securities at $7.2 million, or 7.2% of the AFS portfolio[296]. Stock and Shareholder Activities - A quarterly cash dividend of $0.04 per share was declared on February 28, 2024, payable on or about March 28, 2024[406]. - The Company purchased 11,000 shares of common stock at an average price of $14.03 as part of its Stock Repurchase Plan[407]. - Treasury stock consists of 174,842 shares as of December 31, 2023, with no treasury shares reported at December 31, 2022[387].