TellerScore

TCM Bank, National Association is a national bank headquartered in Tampa, Florida, in business for about 28 years. At the end of Q2 2026 it reported $382.4M in total assets and $279.6M in deposits, with 1 office.

Based on its Q2 2026 filing, TCM Bank, National Association scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 71st. Its strongest component is capital cushion (100/100; 18.27%), and its lowest is earnings (0/100; -1.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 18.27%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.93%
Earnings0/100
Return on assets (annualized): -1.14%
Funding & liquidity6/100
Loans ÷ deposits and uninsured-deposit share: 104.4% · 82.7% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (57 → 57).

TellerScore
565961Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202460
Q4 202461
Q1 202556
Q2 202557
Q3 202557
Q4 202557
Q1 202656
Q2 202657
Tier 1 leverage ratio
5.00%12.62%20.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202418.64%
Q3 202417.83%
Q4 202417.53%
Q1 202516.54%
Q2 202520.25%
Q3 202519.35%
Q4 202518.88%
Q1 202618.37%
Q2 202618.27%
Noncurrent loans
0.80%0.97%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.80%
Q3 20240.93%
Q4 20241.00%
Q1 20250.95%
Q2 20250.95%
Q3 20250.96%
Q4 20251.04%
Q1 20261.13%
Q2 20260.93%
Return on assets
-2.36%-1.12%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.15%
Q3 2024-0.02%
Q4 20240.11%
Q1 2025-2.36%
Q2 2025-1.16%
Q3 2025-0.75%
Q4 2025-0.84%
Q1 2026-1.09%
Q2 2026-1.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$382.4M18.27%0.93%-1.14%104.4%
Q1 202656$391.2M18.37%1.13%-1.09%99.7%
Q4 202557$395.1M18.88%1.04%-0.84%100.7%
Q3 202557$380.9M19.35%0.96%-0.75%104.2%
Q2 202557$381.5M20.25%0.95%-1.16%105.8%
Q1 202556$358.4M16.54%0.95%-2.36%109.8%
Q4 202461$379.3M17.53%1.00%0.11%107.4%
Q3 202460$344.5M17.83%0.93%-0.02%111.0%
Q2 202461$356.3M18.64%0.80%-0.15%107.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.27%
95th
Total risk-based capital22.16%
90th
Problem loans0.93%
30th
Net charge-offs3.74%
0th
Return on assets-1.14%
1st
Net interest margin6.04%
99th
Efficiency ratio89.9%
6th
Loans to deposits104.4%
6th
Uninsured deposits82.7%
0th
Loan-loss reserves3.56%
99th
Texas ratio3.3%
46th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Central BankBank Tampa, FL63 out of 100, Moderate$386.8M9.1%0.04%vs
Locality BankBank Fort Lauderdale, FL55 out of 100, Moderate$396.2M12.9%1.55%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
The First National Bank of Mount DoraBank Mount Dora, FL77 out of 100, Strong$358.0M12.3%0.41%vs
Interamerican Bank, A FSBBank Miami, FL65 out of 100, Moderate$355.7M11.2%0.73%vs
Waterfall BankBank Clearwater, FL61 out of 100, Moderate$409.9M12.6%0.03%vs

Deposit insurance

Is my money safe at TCM Bank, National Association?

Yes. TCM Bank, National Association is an FDIC-insured institution (FDIC certificate #34535). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 82.7% of deposits ($231.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 18.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.16% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

TCM Bank, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Rewards Platinum16.74% – 26.74%$0$291.0%

All Tcm Bank, National Association card terms

Identity & history

Profile

Legal name
TCM Bank, National Association
Type
National bank
FDIC certificate #
34535
RSSD ID
2687487
Primary regulator
OCC
Established
May 18, 1998
Headquarters
3501 E Frontage Rd, Tampa, FL 33607
Employees
92

Quick answers

TCM Bank, National Association: common questions

Is TCM Bank, National Association FDIC insured?

Yes. TCM Bank, National Association is an FDIC-insured institution (FDIC certificate #34535). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TCM Bank, National Association's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has TCM Bank, National Association ever failed?

There is no failure record for FDIC certificate #34535 in the FDIC failed bank list.

How many branches does TCM Bank, National Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tampa

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Transport Credit UnionCredit union Tampa, FL85 out of 100, Very strong$35.8M18.6%0.52%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Gallup Federal Credit UnionCredit union Omaha, NE84 out of 100, Strong$16.4M18.1%0.05%vs
Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs
Franklin-Somerset Federal Credit UnionCredit union Madison, ME81 out of 100, Strong$149.3M12.9%0.75%vs