BlastPoint's Banking Scorecard
TCM Bank, National Association
Tampa, FL
TCM Bank, National Association has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 33.5% in tier
- + Net Interest Margin 2.27% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 12.2% in tier
- - Liquidity Strain: Bottom 16.5% in tier
- - Credit Quality Pressure: Bottom 49.9% in tier
- - Return on Assets 2.35% below tier average
- - Efficiency Ratio 25.85% above tier average
- - Non-Interest-Bearing Deposit Share 21.75% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$391.2M
+9.1% YoY
-1.0% QoQ
|
+$5.1M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$294.6M
-3.1% YoY
-3.3% QoQ
|
+$38.9M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$295.4M
+6.8% YoY
-2.4% QoQ
|
-$32.5M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
-1.09%
+54.0% YoY
-29.9% QoQ
|
-2.35% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.0% in tier |
| Net Interest Margin ? |
6.20%
-3.9% YoY
+2.7% QoQ
|
+2.27% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
Top 1.2% in tier |
| Efficiency Ratio ? |
91.13%
-8.6% YoY
-0.2% QoQ
|
+25.85% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.8% in tier |
| Delinquency Rate ? |
1.17%
+19.6% YoY
+9.1% QoQ
|
+0.29% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
99.73%
-9.2% YoY
-0.9% QoQ
|
+23.10% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.27%
-31.1% YoY
-3.3% QoQ
|
-21.75% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 0.8% in tier |
| Nonperforming Asset Ratio ? |
0.89%
+6.2% YoY
+6.6% QoQ
|
+0.25% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
20.92%
+17.7% YoY
+0.0% QoQ
|
+5.08% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 11.6% in tier |
| Non-Interest Income / Assets ? |
2.95%
-8.7% YoY
-75.8% QoQ
|
+2.67% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Top 0.6% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.