Material Event (Form 8-K)

On January 27, 2026, the Board of Directors of Tectonic Financial, Inc. (the "Company") declared a quarterly cash dividend of $0.2768541 per share on the Company's outstanding shares of 9.00% Fixed-to-Floating Rate Series B Noncumulative Perpetual Preferred Stock. The dividend is for the period from, and including, November 17, 2025 to, but excluding, February 17, 2026, and is payable on February 17, 2026 to shareholders of record as of the close of business on February 6, 2026. On January 16, 2026, the Company announced its conditional redemption of its 9.00% Fixed-to-Floating Rate Series B Noncumulative Perpetual Preferred Stock on or about February 17, 2026.