TCM BANK, NATIONAL ASSOCIATION

TAMPA, FL | Small | Est. May 18, 1998, midnight | FDIC #34535 | RSSD #2687487 | OCC
Latest Report: 2025-12-31

TCM BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in TAMPA, FL, established in May 18, 1998, midnight. As of 2025-12-31, the bank reported total assets of $395M and total deposits of $303M. Profitability stands at -1.10% ROA and -5.55% ROE, with a net interest margin of 5.98%. The bank's CET1 capital ratio is 20.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #34535. The institution operates 1 domestic branch.

Assets

$395M

Deposits

$303M

Loans

$316M

Equity

$77M

Profitability

Return on Assets (ROA) -1.10%
Return on Equity (ROE) -5.55%
Net Interest Margin (NIM) 5.98%
Yield on Assets 9.21%
Cost of Funds 3.92%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 3.11%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 3.55%

Capital & Liquidity

CET1 Ratio 20.91%
Tier 1 Capital 20.91%
Total Capital Ratio 22.19%
Leverage Ratio 18.88%
Loan-to-Deposit 104.38%

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