Side-by-side · Q2 2026 data
TCM Bank, National Association vs Locality Bank
Metric by metric
| Measure | TCM Bank, National Association | Locality Bank |
|---|---|---|
| TellerScore | 57 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 69 (stronger) | 48 |
| Earnings | 0 | 32 (stronger) |
| Funding & liquidity | 6 | 31 (stronger) |
| Problem-loan coverage | 93 (stronger) | 82 |
| Peer percentile | 14th | 11th |
| Total assets | $382.4M | $396.2M |
| Deposits / shares | $279.6M | $346.0M |
| Capital ratio | 18.27% (stronger) | 12.91% |
| Problem loans | 0.93% (stronger) | 1.55% |
| Net charge-offs | 3.74% | 0.13% (stronger) |
| Return on assets | -1.14% | 0.29% (stronger) |
| Loans ÷ deposits | 104.4% | 89.1% (stronger) |
| Uninsured deposits | 82.7% | 51.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
TCM Bank, National Association has the higher TellerScore (57 vs 55). On the 7 directional measures above (where higher or lower is clearly better), TCM Bank, National Association leads on 3 and Locality Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.