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TCM Bank, National Association

$100M-$1B Specialty: Credit Card FL FDIC cert 34535

Tampa, FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
  • Deposits -2.1% year over year ($279.6M on the books).
  • Delinquency rate 0.97%.
  • Return on assets -1.14%.
  • Efficiency ratio 89.87% vs a 64.48% peer average.
  • Loan-to-deposit ratio 104.39% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL
View $100M-$1B leaderboard (FL) →

TCM Bank, National Association has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 33.3% in tier
  • + Net Interest Margin 2.06% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 11.5% in tier
  • - Liquidity Strain: Bottom 26.8% in tier
  • - Deposit Outflow: Bottom 45.0% in tier
  • - Return on Assets 2.46% below tier average
  • - Efficiency Ratio 25.39% above tier average
  • - Non-Interest-Bearing Deposit Share 21.79% below tier average
Get updates when TCM Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $382.4M
+0.2% YoY -2.3% QoQ
-$4.2M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $291.9M
-3.4% YoY -0.9% QoQ
+$33.5M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $279.6M
-2.1% YoY -5.4% QoQ
-$47.1M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? -1.14%
+2.1% YoY -4.9% QoQ
-2.46% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
Bottom 1.2% in tier
Net Interest Margin ? 6.04%
-0.3% YoY -2.5% QoQ
+2.06% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
Top 1.4% in tier
Efficiency Ratio ? 89.87%
-3.6% YoY -1.4% QoQ
+25.39% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
Bottom 5.9% in tier
Delinquency Rate ? 0.97%
-2.4% YoY -17.9% QoQ
+0.05% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 104.39%
-1.4% YoY +4.7% QoQ
+26.44% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
Bottom 6.1% in tier
Non-Interest-Bearing Deposit Share ? 0.24%
-40.0% YoY -11.1% QoQ
-21.79% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
Bottom 0.9% in tier
Nonperforming Asset Ratio ? 0.74%
-5.9% YoY -16.8% QoQ
+0.07% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 20.89%
-3.3% YoY -0.1% QoQ
+4.98% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
Top 12.0% in tier
Non-Interest Income / Assets ? 6.33%
+0.2% YoY +114.2% QoQ
+5.76% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
Top 0.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 0.2%
-0.2pp YoY
0.0pp QoQ
 -21.9pp 22.1% 27.7% 22.2% 0%
Brokered Deposits 84.3%
+8.7pp YoY
+0.6pp QoQ
 +76.5pp 7.9% 8.7% 8.5% 100%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 40.7%
+2.7pp YoY
+0.4pp QoQ
 +29.1pp 11.6% 12.9% 12.5% 98%
CRE n/a n/a 39.5% 50.6% 41.4% n/a
1-4 Family n/a n/a 32.6% 30.7% 31.3% n/a
Consumer 63.0%
-2.7pp YoY
-0.4pp QoQ
 +58.9pp 4.1% 3.7% 5.0% 100%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 20.9%
-0.7pp YoY
0.0pp QoQ
 +2.1pp 18.8% 19.8% 19.7% 80%
Leverage Ratio 18.3%
-2.0pp YoY
-0.1pp QoQ
 +6.1pp 12.2% 13.9% 12.6% 95%
Total Capital Ratio 22.2%
-0.7pp YoY
0.0pp QoQ
 +2.2pp 19.9% 21.1% 20.8% 81%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 92
-17 (-15.6%) YoY
+1 (+1.1%) QoQ
 +33 58 295 482 83%
Assets per Employee ($) $4.2M
+18.7% YoY
-3.3% QoQ
 -$3.4M $7.5M $10.3M $8.8M 6%
Branch Count 1
0 YoY
0 QoQ
 -4 4 13 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days 1.0%
0.0pp YoY
-0.2pp QoQ
 +0.6pp 0.3% 0.3% 0.4% 90%
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage 3.83x
+3.3% YoY
+21.9% QoQ
 -20.33x 24.15x 16.62x 20.23x 64%
Net Charge-off Rate (YTD) 3.7%
+0.7pp YoY
+0.2pp QoQ
 +3.6pp 0.1% 0.2% 0.2% 100%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE -5.9%
+0.4pp YoY
-0.3pp QoQ
 -18.1pp 12.2% 9.3% 11.6% 2%
Cost of Funds (YTD) 3.1%
-0.4pp YoY
-0.1pp QoQ
 +1.4pp 1.7% 1.8% 1.7% 98%
Net Income ($, YTD) $-2218000.0
-2.3% YoY
— QoQ
 -$4.8M $2.6M $25.2M $40.4M 1%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#221 of 661 • Top 33.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 6.33%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: -1.14%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Liquidity Overhang

risk
#86 of 742 • Bottom 11.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.89%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 104.39%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#186 of 691 • Bottom 26.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 104.39%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#242 of 535 • Bottom 45.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

18
Non-Interest Income / Assets
revenue_mix
Value: 6.33%
Peer Median: 0.57%
#18 of 2643 Top 0.6% in $100M-$1B
38
Net Interest Margin
profitability
Value: 6.04%
Peer Median: 3.99%
#38 of 2643 Top 1.4% in $100M-$1B
319
Tier 1 Capital Ratio
capital
Value: 20.89%
Peer Median: 15.91%
#319 of 2643 Top 12.0% in $100M-$1B

Top Weaknesses (4 metrics)

2620
Non-Interest-Bearing Deposit Share
funding
Value: 0.24%
Peer Median: 22.03%
#2620 of 2643 Bottom 0.9% in $100M-$1B
2613
Return on Assets
profitability
Value: -1.14%
Peer Median: 1.32%
#2613 of 2643 Bottom 1.2% in $100M-$1B
2488
Efficiency Ratio
profitability
Value: 89.87%
Peer Median: 64.48%
#2488 of 2643 Bottom 5.9% in $100M-$1B
2484
Loan-to-Deposit Ratio
liquidity
Value: 104.39%
Peer Median: 77.95%
#2484 of 2643 Bottom 6.1% in $100M-$1B
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