TCM Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 59.87 percentage points in Q2 2026, from 650.59% to 710.46%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, TCM Bank, N.A. ranks 4th highest among the 81 banks headquartered in Florida, at 108.25% (Q2 2026). TCM Bank, N.A. reported 108.25% on loan-to-deposit ratio for Q2 2026, 27.41 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $46.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.25% |
| Net loans and leases to deposits | 104.39% |
| Loans and leases to core deposits | 710.46% |
| Core deposits to total deposits | 15.24% |
| Brokered deposits to total deposits | 84.33% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 114.89% | 33.71% | $0 | $0 |
| Q4 2023 | 116.84% | 30.33% | $0 | $0 |
| Q1 2024 | 122.47% | 30.00% | $0 | $0 |
| Q2 2024 | 111.26% | 24.29% | $0 | $0 |
| Q3 2024 | 115.10% | 24.18% | $0 | $0 |
| Q4 2024 | 111.23% | 22.64% | $0 | $0 |
| Q1 2025 | 113.87% | 24.32% | $0 | $0 |
| Q2 2025 | 109.73% | 23.85% | $0 | $0 |
| Q3 2025 | 108.03% | 22.84% | $0 | $0 |
| Q4 2025 | 104.38% | 17.90% | $0 | $0 |
| Q1 2026 | 103.41% | 15.90% | $0 | $0 |
| Q2 2026 | 108.25% | 15.24% | $0 | $0 |
TCM Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock TCM Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)