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Tcm Bank, National Association
Tampa, FL · FDIC Certificate #34535 · Chartered 05/1
Total assets
$382.35M
Total deposits
$279.60M
Total equity
$74.22M
Net loans
$291.87M
Branches (offices)
1
Net income (YTD)
-$2.22M
Rank: #2,136 of 4,213 U.S. banks by assets · #51 of 81 in Florida. Assets changed 0.2% and deposits -2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.14% |
| Return on equity | -5.88% |
| Net interest margin (YTD) | 6.04% |
| Equity to assets | 19.41% |
| Tier 1 leverage ratio | 18.27% |
| Uninsured deposits (share of deposits) | 82.7% |
| Noncurrent loans (share of loans) | 0.93% |
| Net charge-offs (share of loans) | 3.74% |
| Loans to deposits | 104.4% |
| Real estate loans (share of loans) | 0.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $0 | 0.0% | |
| Commercial & industrial | $118.70M | 40.7% | |
| Consumer / individual | $183.95M | 63.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $302.49M | $225.52M | $2.91M | $61.96M |
| Jun 2023 | $328.84M | $251.33M | $502.00K | $64.30M |
| Jun 2024 | $356.26M | $276.28M | -$258.00K | $65.01M |
| Jun 2025 | $381.53M | $285.52M | -$2.17M | $77.49M |
| Jun 2026 | $382.35M | $279.60M | -$2.22M | $74.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $279.60M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $279.60M.
Similar-sized banks
Earlham Savings Bank ($382.51M) · Municipal Trust And Savings Bank ($382.22M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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