TCM Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
TCM Bank, N.A. is an FDIC-insured commercial bank headquartered in Tampa, FL, established in 1998 (FDIC certificate 34535), and it is supervised by the OCC. At Q2 2026 it reported total assets of $382.4M, up 0.2% from Q2 2025, the 51st largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 20.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34535
- Headquarters
- Tampa, FL
- Established
- 1998
- Total assets, Q2 2026
- $382.4M
- Assets vs Q2 2025
- +0.2%
- CET1 ratio, Q2 2026
- 20.89%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 063114357
- Latest call report
- Q2 2026, FFIEC 051 · TCM Bank, N.A. call report
- Holding company
- INDEPENDENT COMMUNITY BANKERS OF AMERICA
- Asset rank in state
- 51st of 81 in Florida
TCM Bank, N.A. spends more to run itself than most banks of its size. It reported $382 million in assets at June 30, 2026. It loses about $1.18 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $1.2 million in the quarter. Funding is the softer spot: it pays an average of 3.67% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, TCM Bank, N.A. reported a CET1 capital ratio of 20.89%, a return on assets of -1.18%, a nonperforming-loan ratio of 0.93% and a Texas ratio of 3.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, TCM Bank, N.A. is the 51st largest of the 81 banks headquartered in Florida. From Q1 2026 to Q2 2026, its total assets fell 2.3% to $382.4M, loans fell 0.9% and deposits fell 5.4%. Its loan book on June 30, 2026 was led by credit card loans, at 60.8% of total loans, followed by commercial and industrial loans at 39.2%. Its one office in the FDIC Summary of Deposits is in Tampa, FL. On its Q2 2026 call report, TCM Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3501 E Frontage Rd, Tampa, FL 33607
- County
- Hillsborough
- Metro Area
- Tampa-St. Petersburg-Clearwater, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 18, 1998
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $279.6M
- Allowance for credit losses
- $10.8M
- Net charge-offs (YTD)
- $5.8M
- Average total assets
- $389.9M
- Average total loans
- $299.6M
- Average interest-bearing deposits
- $291.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 18, 1998
- FDIC Cert
- 34535
- Fed RSSD
- 2687487
- Website
- www.tcmbank.com →
- Parent Holding Company
- INDEPENDENT COMMUNITY BANKERS OF AMERICA (RSSD 4805847)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, TCM Bank, N.A.'s total assets ranged from $325.4M (Q1 2024) to $395.1M (Q4 2025), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$382.4M total assets against $381.5M; $308.1M total liabilities against $304.0M.
$291.9M net loans and leases against $302.2M; $279.6M total deposits against $285.5M.
$16.9M securities against $1.6M; $46.4M cash and balances due against $51.7M.
$7.9M total interest income against $7.9M; $2.7M total interest expense against $2.9M.
$5.2M net interest income against $4.9M.
$12.6M total noninterest income against $12.5M; $16.1M total noninterest expense against $15.4M.
$3.0M provision for credit losses against $2.0M.
-$1.2M net income against $7K.
-1.18% return on assets against 0.01%; 5.88% net interest margin against 5.80%.
20.89% CET1 capital ratio against 21.59%; 18.27% tier 1 leverage ratio against 20.25%.
Inside the full TCM Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
TCM Bank, N.A. rankings
Its closest position to the top of a national ranking is 292 of 2,134, for CET1 ratio; its furthest is 3,577 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.36% (Q1 2025) to 0.50% (Q4 2024) and its net interest margin ran from 5.76% (Q4 2024) to 6.48% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.89% | -1.18% | 0.93% | 3.49% | 5.88% |
| Q1 2026 | 20.91% | -1.08% | 1.13% | 4.22% | 6.20% |
| Q4 2025 | 20.91% | -1.10% | 1.04% | 3.91% | 5.95% |
| Q3 2025 | 21.93% | 0.07% | 0.96% | 3.52% | 6.07% |
| Q2 2025 | 21.59% | 0.01% | 0.95% | 3.51% | 5.80% |
| Q1 2025 | 17.76% | -2.36% | 0.95% | 4.19% | 6.47% |
| Q4 2024 | 17.79% | 0.50% | 1.00% | 4.46% | 5.76% |
| Q3 2024 | 19.07% | 0.22% | 0.93% | 3.88% | 6.48% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| TCM Bank, N.A. (main office) | Tampa , FL | 33607 | $279.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 105 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about TCM Bank, N.A.
What are TCM Bank, N.A.'s total assets?
As of the Q2 2026 filing, TCM Bank, N.A. reported total assets of $382.4 million in its FFIEC call report.
Where is TCM Bank, N.A. headquartered?
It is headquartered in Tampa, FL, United States.
When was TCM Bank, N.A. founded?
It was established in 1998, per the FDIC institution directory.
Is TCM Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34535). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates TCM Bank, N.A.?
TCM Bank, N.A.'s primary federal regulator is the OCC.
What is TCM Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does TCM Bank, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is TCM Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 3.49% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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