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
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets operating in a single state (rank 10 of 746).
- Widest gap: net charge-offs / loans trails 100% of banks under $1B in assets operating in a single state (rank 741 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Unfavorable gap of $15.9M · efficiency ratio beats 7% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.16% | 0.72% | 1.06% | 1.45% | Beats 1% | 737 / 746 | | |
| Return on Equity | -5.98% | 6.74% | 10.51% | 13.63% | Beats 1% | 735 / 746 | | |
| Net Interest Margin | 5.64% | 3.17% | 3.68% | 4.16% | Beats 99% | 10 / 746 | | |
| Efficiency Ratio | 91.66% | 55.74% | 64.58% | 75.47% | Beats 7% | 694 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.09% | 0.42% | 1.07% | Beats 29% | 526 / 743 | | |
| Net Charge-Offs / Loans | 2.31% | 0.00% | 0.01% | 0.05% | Beats 0% | 741 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 20.89% | 11.55% | 13.75% | 17.60% | Beats 85% | 115 / 746 | | |
| Total Risk-Based Capital Ratio | 22.16% | 11.71% | 14.33% | 18.43% | Beats 86% | 108 / 746 | | |
| Equity / Assets | 19.41% | 8.90% | 10.51% | 13.06% | Beats 95% | 38 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 108.25% | 61.31% | 78.27% | 90.78% | 96th pctl | 30 / 746 | | |
| Loans / Assets | 79.16% | 53.60% | 66.97% | 76.08% | 83rd pctl | 125 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |