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TCM Bank, N.A.

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Tampa, FL $100M to $1B in assets Est. May 18, 1998 FDIC #34535 RSSD #2687487 Routing #063114357 OCC

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
Asset rank in state
51st of 81 in Florida
Assets
$382.4M
Deposits
$279.6M
Loans
$302.7M
Equity
$74.2M

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

Profitability

Q2 annualized
Return on Assets-1.18%YTD -1.13%
Return on Equity-6.15%YTD -5.88%
Net Interest Margin5.88%YTD 6.04%

Balance Sheet

Total liabilities$308.1M
Cash & balances due$46.4M
Securities, available-for-sale$16.9M
Securities, held-to-maturity$0
Goodwill & intangibles$0

Income Statement

Net income Q2-$1.2M
Net interest income YTD$10.9M
Total interest income YTD$16.4M
Total interest expense YTD$5.5M
Provision for credit losses YTD$5.3M

Operating & Funding

Total noninterest income YTD$24.2M
Total noninterest expense YTD$32.1M

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

Total assets and total liabilities

$382.4M total assets against $381.5M; $308.1M total liabilities against $304.0M.

Loans and leases against deposits

$291.9M net loans and leases against $302.2M; $279.6M total deposits against $285.5M.

Securities and cash

$16.9M securities against $1.6M; $46.4M cash and balances due against $51.7M.

Interest income against interest expense

$7.9M total interest income against $7.9M; $2.7M total interest expense against $2.9M.

Net interest income

$5.2M net interest income against $4.9M.

Noninterest income against noninterest expense

$12.6M total noninterest income against $12.5M; $16.1M total noninterest expense against $15.4M.

Provision for credit losses

$3.0M provision for credit losses against $2.0M.

Net income

-$1.2M net income against $7K.

Return on assets and net interest margin

-1.18% return on assets against 0.01%; 5.88% net interest margin against 5.80%.

CET1 and Tier 1 leverage ratios

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

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Watch 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.

Loan-to-Deposit at 108.2%, loans exceed deposit base BRR analysis What does this mean? →

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.

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.

1–1 of 1
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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TCM Bank, N.A.: regulatory capital profile · BankRegReports

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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