Better Health for All

Tectonic Financial, Inc. is a financial services company, and its principal goods and services (investment banking and wealth management) have no significant positive or negative health impact. The company does not generate revenue from products with direct health impacts, nor do its products carry health risks requiring disclosure. Its business model does not involve serving vulnerable populations with health needs, offering health-related products requiring accessibility considerations, or engaging in preventative health or treatment activities. The company's operations do not generate significant health externalities, nor do they intersect with healthcare workforce development, health equity considerations, health crisis response, mental health outcomes, or health-related patents, food products, education, addiction potential, or clinical trials. While a partnership with MDClone aims to improve health outcomes and address clinician burnout,

and a key person is affiliated with a health foundation, the evidence does not provide specific quantitative data on Tectonic Financial's direct investment or the scale of these initiatives to score the relevant KPIs.

Fair Money & Economic Opportunity

T Bank, a subsidiary of Tectonic Financial, Inc., was rated "Satisfactory" by the OCC for its CRA performance during the evaluation period from January 1, 2022, to December 31, 2024, with no identified discriminatory or illegal credit practices.

The bank provides free ATM access worldwide by reimbursing usage fees and offers online and mobile banking apps at no charge. T Bank has a nationwide footprint, making loans in 47 different states, but only 28.3% of its total loans were originated or purchased inside its assessment area (DFW AA). The bank made a $40,000 donation to a non-profit organization that provides financial education to low-to-moderate income individuals, and a bank executive provided 30 hours of mentorship to a student from a low-income school.

Fair Pay & Worker Respect

The company's worker engagement score, based on employee reviews from AmbitionBox, is 4.8 out of 5, which translates to 96/100.

This score is derived from 4 reviews and indicates a high level of employee satisfaction and engagement.

Honest & Fair Business

Tectonic Financial, Inc. has a formal Whistleblower Policy, approved on April 24, 2019.

This policy allows employees and directors to anonymously and confidentially report concerns regarding accounting, auditing, or ethics violations without fear of retaliation. The Audit Committee is responsible for investigating these concerns, maintaining a log, and tracking their resolution, with acknowledgement of receipt within five business days. The company has not had any financial restatements indicated in the provided documents. As of December 31, 2024, partners of Cain Watters owned approximately 29.4% of the company, and three partners from Cain Watters serve on the board of directors, implying that approximately 70.6% of the board is conflict-free. The company is required to have Anti-Money Laundering (AML) programs, which include internal policies, procedures, controls, a designated compliance officer, training, and an independent audit function. Additionally, the Bank has an independent third-party review that evaluates the quality of loans on a periodic basis, but the extent of this coverage as a percentage of ethical claims is not specified.

Kind to Animals

Tectonic Financial, Inc. (TECTP.US) is a financial services company providing investment banking and wealth management.

Its core business model does not involve animal-derived products, animal testing, animal husbandry, or direct impact on wildlife habitats. Therefore, all KPIs related to animal welfare, such as cruelty-free certification, alternative testing methods, humane operations, ethical input substitution, and animal agriculture ethics, are not applicable to the company's operations. No evidence was found in the provided articles to suggest TECTP.US engages in activities that would require scoring against these animal welfare metrics.

No War, No Weapons

The provided articles do not contain any specific, concrete data points or facts regarding Tectonic Financial, Inc.'s involvement with arms manufacturing, military contracts, dual-use technologies, sales to embargoed regimes, peacebuilding investments, or any related policies and oversight. Article 4 explicitly states that no data relevant to these categories is presented.

Therefore, no KPIs can be scored based on the available evidence.