TCM Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks TCM Bank, N.A. of Tampa, FL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.18% | 1.35% | -2.53% | 2nd bottom |
| ROAE | -6.15% | 12.06% | -18.21% | 2nd bottom |
| Net Interest Margin | 5.88% | 3.90% | +1.98% | 98th top |
| Efficiency Ratio | 88.65% | 63.14% | +25.51% | 7th bottom |
| PPNR / Avg Assets | 1.79% | 1.64% | +0.15% | 62nd above |
| Yield on Earning Assets | 8.89% | 5.65% | +3.24% | 99th top |
| Cost of Funds | 3.67% | 1.84% | +1.83% | 1st bottom |
| Net Interest Spread | 5.15% | 3.35% | +1.80% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.92% | -0.76% | 67th above |
| NPA / Total Assets | 0.12% | 0.67% | -0.55% | 67th above |
| NCO / Avg Loans | 4.06% | 0.14% | +3.92% | 1st bottom |
| ACL / Total Loans | 3.56% | 1.28% | +2.28% | 99th top |
| ACL / NPLs (Coverage) | 2274.89% | 1644.87% | +630.02% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.07% | 7.15% | -3.08% | 46th below |
| Provision / NCO | 92.33% | 1189.87% | -1097.54% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.89% | 20.83% | +0.06% | 80th top |
| Tier 1 Ratio | 20.89% | 20.86% | +0.03% | 80th top |
| Total Capital Ratio | 22.16% | 21.93% | +0.23% | 80th top |
| Leverage Ratio | 18.27% | 12.46% | +5.81% | 94th top |
| Equity / Assets | 19.41% | 11.67% | +7.74% | 96th top |
| TCE / Tangible Assets | 18.52% | 11.40% | +7.12% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.25% | 78.63% | +29.62% | 5th bottom |
| Core Deposit Ratio | 15.24% | 87.12% | -71.88% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.22% | 6.48% | -6.26% | 21st bottom |
| Loan Growth (Y/Y) | -3.39% | 7.64% | -11.03% | 11th bottom |
| Deposit Growth (Y/Y) | -2.08% | 6.03% | -8.11% | 13th bottom |
See TCM Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock TCM Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full TCM Bank, N.A. profile, how to read a UBPR, or how this data updates.