Tcm Bank National Assn
Tampa, Florida · FDIC Cert #34535
Tcm Bank National Assn is an FDIC-insured bank (Certificate #34535) with $356M in total assets and $276M in total deposits as of the Q2 2024 Call Report. Headquartered in Tampa, Florida, the bank maintains a Tier 1 capital ratio of 19.05% (Well-Capitalized) and a nonperforming loan ratio of 0.80%. BankHealthData assigns a composite Health Grade of B (68/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Tcm Bank National Assn (FDIC cert 34535) is a community bank — $356M in total assets, $276M in deposits, serving the Tampa, Florida area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 19.05% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.80% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 11.2% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is negative: ROA of -0.21% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Tcm Bank National Assn carries a composite BankHealth grade of B (68/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Tcm Bank National Assn
- Total Assets
- $356M
- Total Deposits
- $276M
- Tier 1 Capital Ratio
- 19.05%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.80%
- Liquidity Ratio
- 11.18%
- Return on Assets
- -0.21%
- Headquarters
- Tampa, Florida
- FDIC Certificate
- #34535
- Health Grade
- B (68/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Tcm Bank National Assn holds a Tier 1 capital ratio of 19.05%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Tcm Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Tcm Bank National Assn shows strong financial health indicators. With $356M in assets and a Health Score of 68/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Tcm Bank National Assn Compares
Tcm Bank National Assn’s Health Score of 68 is 6 points below the Florida state average of 74 across 83 FDIC-insured banks. Its 19.05% Tier 1 capital ratio is 5.1 points above the US banking industry average near 14%. The 0.80% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.21% is below the national ROA benchmark of ~1.1%. Among 1568 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Tcm Bank National Assn is 2 points below the portfolio average of 70.
Frequently Asked Questions
Tcm Bank National Assn has a Bank Health Score of B (68/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 19.05%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Tcm Bank National Assn's Tier 1 capital ratio of 19.05% and nonperforming loan ratio of 0.80% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Tcm Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34535). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Tcm Bank National Assn holds $356M in total assets and $276M in total deposits. It is headquartered in Tampa, Florida (FDIC Certificate #34535).
Tcm Bank National Assn has a Tier 1 capital ratio of 19.05%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.80%, and the return on assets is -0.21%.
Yes. Tcm Bank National Assn is FDIC-insured (Certificate #34535). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Tcm Bank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.