Better Health for All

Texas Community Bancshares, Inc. operates as a bank holding company, providing banking products and services.

The company's core business activities do not directly involve health-related products or services, resulting in a neutral impact on most health-related KPIs. Texas Community Bank, a subsidiary, invested $10,000 as an Advocate Level Sponsor for the 2024 Texas Supportive Housing Institute. This initiative aims to improve health outcomes and financial stability for vulnerable individuals, including those with serious mental illness or experiencing homelessness. The program targets vulnerable individuals and families experiencing or at risk of homelessness, and explicitly focuses on individuals with serious mental illness. However, the quantitative impact of this sponsorship on vulnerable populations or mental health initiatives cannot be assessed against the rubric's thresholds without additional data on the scale of reach or total health-related expenditure. The TCBS Foundation provided $36,958.10 in grant funding in 2024, but its stated focus areas are civic organizations, youth programs, and education, with no explicit mention of health-related activities.

Fair Money & Economic Opportunity

The company's Community Reinvestment Act (CRA) public file indicates an 'Outstanding' rating for its lending test and a 'Satisfactory' overall rating, with no CRA-related complaints since its previous evaluation.

The company provided over $236 million in Home Ownership Possibilities Program (HOPP) loans to low-income communities and originated $91.9 million in community development loans between 2020 and 2023. The $91.9 million in community development loans represents approximately 5.97% of its total loan portfolio of $1,539 million. Additionally, it awarded over $94,000 in Partnership Grants to support low- and moderate-income residents and small business owners. The company taught 184 financial education classes. In terms of geographic inclusion, the bank has 3 branches in the DFW MSA, 1 in El Paso MSA, and 8 in Texas non-MSA areas. The company was a proposed intervenor in a lawsuit challenging the CFPB's small business lending rule, arguing against the rule's implementation due to compliance costs, but a federal judge rejected claims that the rule was unlawful.

Honest & Fair Business

The company has a formal whistleblower policy that includes procedures for confidential, anonymous submission of concerns regarding accounting, internal controls, or auditing matters, and explicitly states that retaliation against employees who report violations will not be tolerated.

The Audit Committee is responsible for establishing and maintaining these procedures, monitoring, and recommending action on violations. The Audit Committee Charter mandates that all members must satisfy the definition of "independent director" as defined by Nasdaq Stock Market issuers and applicable SEC rules. The Code of Ethics and Business Conduct explicitly prohibits bribery and other illegal corporate payments, and outlines policies for relations with government employees, but lacks specific details on training frequency or effectiveness metrics.

Kind to Animals

Texas Community Bancshares, Inc. (TCBS.US) operates as a bank holding company, providing financial products and services.

Its core business model does not involve animal-derived products, animal testing, animal agriculture, or direct impact on wildlife habitats, rendering most animal welfare KPIs not applicable. However, the company's business intersects with animal welfare through its lending activities. While environmental groups are pressuring banks to stop financing livestock production due to climate concerns, and there are discussions about predatory lending practices in the pet store industry, no evidence indicates TCBS.US has a public position or engages in animal welfare policy improvement or advocacy. The company is silent on industry standards and does not engage with animal welfare stakeholders.

No War, No Weapons

The provided articles for Texas Community Bancshares, Inc. (TCBS.US) do not contain any specific, concrete data points or factual statements relevant to the 'No War, No Weapons' ethical value. The company's core business is banking, and the articles consist of corporate governance document lists

, a general code of ethics for a financial institution , and a Department of Defense study explicitly stated as not applicable to the commercial sector for the relevant metrics . Consequently, no KPIs can be scored based on the evidence provided.

Safe & Smart Tech

Texas Community Bancshares, Inc. (TCBS) experienced a check fraud incident in 2022, resulting in $143,000 in losses.

Following this, the bank implemented new anti-fraud measures, including Positive Pay, Q6 Cyber, and Abrigo Fraud Detection (AFD), which uses AI to analyze check images. These measures prevented over $300,000 in check fraud within months. The company states in its 2025-03-27 10-K filing that it has not experienced material effects from cybersecurity threats and complies with federal regulations. TCBS conducts annual security awareness training for employees and uses third-party experts for security testing, including penetration testing. The Abrigo Fraud Detection system uses AI to analyze 1,900 checks daily, flagging approximately 60, and aims to reduce false positives.