TCM Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 4.83 percentage points in Q2 2026, from 103.41% to 108.25%. It was the largest change from Q1 2026 among the key lines here. Among 81 Florida banks, TCM Bank, N.A. sits 4th from the top on loan-to-deposit ratio, 108.25% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. TCM Bank, N.A. sits 27.41 points higher, at 108.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $302.7M |
| Net loans and leases | $291.9M |
| Loans held for sale | $0 |
| Loans to total assets | 79.16% |
| Loan-to-deposit ratio | 108.25% |
| Net loans to equity capital | 3.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 39.22% |
| Consumer | 60.78% |
| Credit cards | 60.78% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 9.83% |
| Interest income on loans | $7.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $289.3M | $251.8M | 0.00% | 34.74% | 65.26% |
| Q4 2023 | $307.6M | $263.3M | 0.00% | 33.08% | 66.92% |
| Q1 2024 | $300.5M | $245.3M | 0.00% | 35.72% | 64.28% |
| Q2 2024 | $307.4M | $276.3M | 0.00% | 36.69% | 63.31% |
| Q3 2024 | $304.1M | $264.2M | 0.00% | 36.77% | 63.23% |
| Q4 2024 | $329.7M | $296.4M | 0.00% | 34.52% | 65.48% |
| Q1 2025 | $315.1M | $276.7M | 0.00% | 37.61% | 62.39% |
| Q2 2025 | $313.3M | $285.5M | 0.00% | 36.59% | 63.41% |
| Q3 2025 | $309.1M | $286.1M | 0.00% | 37.10% | 62.90% |
| Q4 2025 | $315.9M | $302.6M | 0.00% | 35.99% | 64.01% |
| Q1 2026 | $305.5M | $295.4M | 0.00% | 38.80% | 61.20% |
| Q2 2026 | $302.7M | $279.6M | 0.00% | 39.22% | 60.78% |
TCM Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock TCM Bank, N.A., freeSource: Call Report Schedule RC-C, 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)