TCM Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings fell 2.8% from Q1 2026 to Q2 2026, ending at $39.5M against $40.7M. It was the largest change among the key lines on this page. Within Florida, TCM Bank, N.A. is 12th of 56 on CET1 ratio, 20.89% as of Q2 2026, above the middle of the field. TCM Bank, N.A. reported 20.89% on CET1 ratio for Q2 2026, 5.82 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.89% |
| Tier 1 risk-based capital ratio | 20.89% |
| Total risk-based capital ratio | 22.16% |
| Tier 1 leverage ratio | 18.27% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $70.5M |
| Tier 1 capital | $70.5M |
| Total risk-based capital | $74.8M |
| Total equity capital | $74.2M |
| Risk-weighted assets | $337.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.41% |
| Tangible equity to tangible assets | 18.52% |
| Equity capital to average assets | 19.03% |
| Internal capital growth rate | -6.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $569K |
| Common stock surplus | $34.5M |
| Retained earnings | $39.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$427K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 20.21% | 20.21% | 21.49% | 18.92% | $307.9M |
| Q4 2023 | 19.36% | 19.36% | 20.63% | 18.68% | $325.8M |
| Q1 2024 | 19.89% | 19.89% | 21.17% | 19.02% | $317.4M |
| Q2 2024 | 19.05% | 19.05% | 20.33% | 18.64% | $329.1M |
| Q3 2024 | 19.07% | 19.07% | 20.34% | 17.83% | $328.0M |
| Q4 2024 | 17.79% | 17.79% | 19.07% | 17.53% | $355.5M |
| Q1 2025 | 17.76% | 17.76% | 19.04% | 16.54% | $340.9M |
| Q2 2025 | 21.59% | 21.59% | 22.87% | 20.25% | $344.7M |
| Q3 2025 | 21.93% | 21.93% | 23.21% | 19.35% | $337.4M |
| Q4 2025 | 20.91% | 20.91% | 22.19% | 18.88% | $348.1M |
| Q1 2026 | 20.91% | 20.91% | 22.19% | 18.37% | $341.9M |
| Q2 2026 | 20.89% | 20.89% | 22.16% | 18.27% | $337.4M |
TCM Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock TCM Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full TCM Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34535) · FFIEC NIC profile (RSSD 2687487)