$391M
+9.1%y/y
Percentile by value26th percentileby value
FDIC
ASSETTB
TCM Bank, National Association
Tampa, FloridaFDIC Cert #34535
OCCEstablished 19981 branch
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportTCM Bank, National Association reported $391M in total assets. Deposits grew 6.78% over the prior year.
Return on assets was −1.09%, compared with an asset-peer median of 1.22%. The leverage ratio was 18.37%.
- Why is Efficiency Ratio above asset peers?
- Why is CRE Concentration to Capital below asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$295M
+6.8%y/y
Percentile by value15th percentileby value
FDIC
DEP$295M
−3.1%y/y
Percentile by value39th percentileby value
FDIC
LNLSNET−1.09%
+127 bpsy/y
Peer standing1st percentile
FDIC
NETINC + ROA91.13%
−859 bpsy/y
Peer standing5th percentile
FDIC
NONIX + NIM + NONII + EEFFR18.37%
+183 bpsy/y
Peer standing96th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $258M | $188M |
| Q3 2021 | $303M | $228M |
| Q4 2021 | $310M | $237M |
| Q1 2022 | $299M | $223M |
| Q2 2022 | $302M | $226M |
| Q3 2022 | $314M | $236M |
| Q4 2022 | $332M | $252M |
| Q1 2023 | $315M | $235M |
| Q2 2023 | $329M | $251M |
| Q3 2023 | $329M | $252M |
| Q4 2023 | $344M | $263M |
| Q1 2024 | $325M | $245M |
| Q2 2024 | $356M | $276M |
| Q3 2024 | $345M | $264M |
| Q4 2024 | $379M | $296M |
| Q1 2025 | $358M | $277M |
| Q2 2025 | $382M | $286M |
| Q3 2025 | $381M | $286M |
| Q4 2025 | $395M | $303M |
| Q1 2026 | $391M | $295M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $0 |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $0 |
| C&I | $119M |
| Agriculture | $0 |
| Other | $187M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−1.09%1st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE−5.61%1st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY6.20%99th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR91.13%5th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+6.78%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET−3.05%10th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.13%25th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ18.37%96th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.86%4th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−1.09%4th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.03%Median 1.07%90th 1.75%Observations 83
ROE
FDIC
NETINC + ROE−5.61%4th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.33%Median 10.96%90th 21.32%Observations 83
NIM
FDIC
NIM + NIMY6.20%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.60%90th 4.66%Observations 83
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR91.13%10th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.71%Median 64.78%90th 90.81%Observations 83
Deposits YoY
FDIC
DEP+6.78%50th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.83%Median +6.78%90th +30.32%Observations 81
Loans YoY
FDIC
LNLSNET−3.05%17th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.35%Median +8.10%90th +42.25%Observations 78
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.13%18th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.20%90th 1.78%Observations 79
Leverage
FDIC
RBC1AAJ18.37%90th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.50%Median 10.17%90th 18.01%Observations 83
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.86%5th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.61%Median 2.78%90th 3.78%Observations 80
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 29%Median 170%90th 329%Observations 61
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−1.09%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.01%Median 0.91%90th 1.49%Observations 26
ROE
FDIC
NETINC + ROE−5.61%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.06%Median 8.42%90th 16.89%Observations 26
NIM
FDIC
NIM + NIMY6.20%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.18%Median 3.70%90th 4.48%Observations 26
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR91.13%8th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 55.69%Median 65.98%90th 87.55%Observations 26
Deposits YoY
FDIC
DEP+6.78%40th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.58%Median +9.10%90th +24.41%Observations 26
Loans YoY
FDIC
LNLSNET−3.05%16th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.66%Median +7.56%90th +24.20%Observations 26
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.13%16th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.15%90th 1.46%Observations 26
Leverage
FDIC
RBC1AAJ18.37%96th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.84%Median 10.91%90th 14.94%Observations 26
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.86%4th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.68%Median 2.81%90th 3.83%Observations 26
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 48%Median 247%90th 348%Observations 16
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Tampa, FL
FDIC
OFFDOMOpen the Florida dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data