TCM Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 84.11 percentage points in Q2 2026, from 2359.00% to 2274.89%. It was the largest change from Q1 2026 among the key lines here. On return on assets, TCM Bank, N.A. is 5th from the bottom among 79 Florida banks, -1.18% (Q2 2026). TCM Bank, N.A.'s return on assets of -1.18% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 2.43 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.89% |
| Tier 1 risk-based capital ratio | 20.89% |
| Total risk-based capital ratio | 22.16% |
| Tier 1 leverage ratio | 18.27% |
| Equity capital to assets | 19.41% |
| Tangible equity to tangible assets | 18.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 4.06% |
| Texas ratio | 4.07% |
| Allowance for credit losses to loans | 3.56% |
| Reserve coverage of non-performing loans | 2274.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.18% |
| Return on equity | -6.15% |
| Net interest margin | 5.88% |
| Efficiency ratio | 88.65% |
| Yield on earning assets | 8.89% |
| Cost of funds | 3.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.25% |
| Core deposits to total deposits | 15.24% |
| Brokered deposits to total deposits | 84.33% |
| Deposits to assets | 73.13% |
| Securities to assets | 4.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.21% | 20.21% | 21.49% | 18.92% | 0.40% |
| Q4 2023 | 19.36% | 19.36% | 20.63% | 18.68% | 1.37% |
| Q1 2024 | 19.89% | 19.89% | 21.17% | 19.02% | -0.20% |
| Q2 2024 | 19.05% | 19.05% | 20.33% | 18.64% | -0.11% |
| Q3 2024 | 19.07% | 19.07% | 20.34% | 17.83% | 0.22% |
| Q4 2024 | 17.79% | 17.79% | 19.07% | 17.53% | 0.50% |
| Q1 2025 | 17.76% | 17.76% | 19.04% | 16.54% | -2.36% |
| Q2 2025 | 21.59% | 21.59% | 22.87% | 20.25% | 0.01% |
| Q3 2025 | 21.93% | 21.93% | 23.21% | 19.35% | 0.07% |
| Q4 2025 | 20.91% | 20.91% | 22.19% | 18.88% | -1.10% |
| Q1 2026 | 20.91% | 20.91% | 22.19% | 18.37% | -1.08% |
| Q2 2026 | 20.89% | 20.89% | 22.16% | 18.27% | -1.18% |
TCM Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock TCM Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)