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TCM Bank, National Association

Tampa, FL · Cert 34535

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

TCM Bank, National Association

Tampa, FL · Cert 34535

National charter · OCC · 1 branch

Q2 2026

$382.4MAssets
$302.7MLoans
$279.6MDeposits
$74.2MEquity
Loan mix
0%RE $0.0M39%C&I $118.5M61%Consumer $187.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $278.9M0%Noninterest $0.7MQ3 2024Q2 2026

Return on Assets (YTD, annualized)

-1.14%+2 bps YoY

Net Interest Margin (YTD, annualized)

5.64%-4 bps YoY

Efficiency Ratio (YTD, annualized)

89.87%-340 bps YoY

Tier 1 Leverage Ratio

18.27%-198 bps YoY

NIM

9.43%Q2 ’248.87%Q2 ’258.42%Q2 ’26-13%-1%

Non-interest income vs. expense

16.53%Q2 ’2417.63%Q2 ’2516.49%Q2 ’26+22%-12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-0.02%0.11%-2.36%-1.16%-0.75%-0.84%-1.09%-1.14%+2 bps
Net Interest Margin6.15%5.82%6.01%5.69%5.53%5.50%5.80%5.64%-4 bps
Non-Interest Burden3.54%3.31%6.15%4.65%4.01%4.18%4.54%4.08%-56 bps
Loan Growth (YoY)5.11%7.17%4.86%1.92%1.65%-4.19%-3.03%-3.39%-531 bps
Nonperforming Loans / Loans0.93%1.00%0.95%0.95%0.96%1.04%1.13%0.93%-2 bps
Allowance / Loans3.57%3.40%3.54%3.54%3.54%3.55%3.56%3.56%+3 bps
Tier 1 Leverage Ratio17.83%17.53%16.54%20.25%19.35%18.88%18.37%18.27%-198 bps
Equity / Assets18.94%17.31%17.71%20.31%20.37%19.39%19.28%19.41%-90 bps
Liquid Assets / Assets5.91%8.50%6.92%12.55%10.05%11.57%12.72%11.17%-139 bps

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

TCM Bank, National Association

Tampa, FL · Cert 34535 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

National charter · OCC · 1 branch

Q2 2026

$382.4MAssets
$302.7MLoans
$279.6MDeposits
$74.2MEquity

Return on Assets

-1.16%

Rank 737 of 746

Net Interest Margin

5.64%

Rank 10 of 746

Efficiency Ratio

91.66%

Rank 694 of 746

Equity / Assets

19.41%

Rank 38 of 746

Non-interest income vs. expense

$48.4M$64.3MINCOMEEXPENSE
Unfavorable gap of $15.9M · efficiency ratio beats 7% of banks under $1B in assets operating in a single state
Bank 91.66%Peer median 64.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-1.16%0.72%1.06%1.45%Beats 1%737 / 746
Net Interest Margin5.64%3.17%3.68%4.16%Beats 99%10 / 746
Nonperforming Loans / Loans0.93%0.09%0.42%1.07%Beats 29%526 / 743
Tier 1 Capital Ratio20.89%11.55%13.75%17.60%Beats 85%115 / 746
Equity / Assets19.41%8.90%10.51%13.06%Beats 95%38 / 746
Loans / Assets79.16%53.60%66.97%76.08%83rd pctl125 / 746