BlastPoint's Banking Scorecard
TCM Bank, National Association
Micro
Specialty: Credit Card
FL
FDIC cert 34535
Tampa, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
TCM Bank, National Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.18% above tier
- + Non-Interest Income / Assets 11.62% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.92% below tier
- - Efficiency Ratio 23.55% above tier
- - Loan-to-Deposit Ratio 26.14% above tier
- - Non-Interest-Bearing Deposit Share 22.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$395.1M
+4.2% YoY
+3.7% QoQ
|
+$177.6M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$304.7M
-4.3% YoY
+2.2% QoQ
|
+$165.5M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$302.6M
+2.1% YoY
+5.8% QoQ
|
+$119.0M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
-0.84%
-832.5% YoY
-12.0% QoQ
|
-1.92% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
6.04%
-6.6% YoY
-0.9% QoQ
|
+2.18% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
91.28%
+7.6% YoY
+1.0% QoQ
|
+23.55% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
1.08%
+3.8% YoY
+7.7% QoQ
|
+0.44% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
100.67%
-6.3% YoY
-3.4% QoQ
|
+26.14% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.28%
-23.6% YoY
-20.4% QoQ
|
-22.11% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.83%
-4.7% YoY
+6.1% QoQ
|
+0.38% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
20.91%
+17.6% YoY
-4.6% QoQ
|
+12.06% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
12.18%
+3.7% YoY
+27.4% QoQ
|
+11.62% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.04%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
12.18%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (4)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.84%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.28%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
100.67%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.28%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest Income / Assets
Current: 12.18% · Tier avg: 0.56%
98
98th pctile
Net Interest Margin
Current: 6.04% · Tier avg: 3.85%
93
93th pctile
Total Loans
Current: $304.7M · Tier avg: $139.2M
88
88th pctile
Tier 1 Capital Ratio
Current: 20.91% · Tier avg: 8.85%
88
88th pctile
Total Assets
Current: $395.1M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $302.6M · Tier avg: $183.7M
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.45%
8
8th pctile
Efficiency Ratio
Current: 91.28% · Tier avg: 67.73%
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.67% · Tier avg: 74.53%
3
3th pctile
Return on Assets
Current: -0.84% · Tier avg: 1.08%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.28% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.28% · Tier avg: 22.39%
3
3th pctile
Return on Assets
Current: -0.84% · Tier avg: 1.08%
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.67% · Tier avg: 74.53%
8
8th pctile
Efficiency Ratio
Current: 91.28% · Tier avg: 67.73%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
82
82th pctile
Total Deposits
Current: $302.6M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $395.1M · Tier avg: $217.5M
88
88th pctile
Tier 1 Capital Ratio
Current: 20.91% · Tier avg: 8.85%
93
93th pctile
Total Loans
Current: $304.7M · Tier avg: $139.2M
98
98th pctile
Net Interest Margin
Current: 6.04% · Tier avg: 3.85%
100
100th pctile
Non-Interest Income / Assets
Current: 12.18% · Tier avg: 0.56%