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Tc Federal Bank

IDRSSD: 67870
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2025-09-30. 1 alert active.

Summary

RSSD 67870 held $559.5M in total assets as of 2025-09-30 (-2.1% quarter-over-quarter). Total loans stood at $408.0M (-0.3% QoQ) and total deposits at $483.0M (-0.7% QoQ).

Overall position is weak — the composite Health Score is 36/100 (Weak). Tier 1 / RWA stands at 14.35%, in the above median of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
36/100
Weak
Active Alerts
1
0 critical, 1 warning
Total Assets
$559.5M
-2.1% QoQ
Total Loans
$408.0M
-0.3% QoQ
Total Deposits
$483.0M
-0.7% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
14.35%
51th pctile · n=305↑ better
+28 bp QoQ
CET1 / RWA
14.35%
70th pctile · n=500↑ better
+28 bp QoQ
Total RBC / RWA
15.60%
53th pctile · n=305↑ better
+28 bp QoQ
Tier 1 Leverage Ratio
14.35%
70th pctile · n=500↑ better
+28 bp QoQ

Liquidity

Cash / Assets
5.82%
52th pctile · n=500↑ better
-169 bp QoQ
Loans / Deposits
84.48%
56th pctile · n=500↓ better
+34 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.31%
81th pctile · n=500↓ better
+63 bp QoQ
NPA / Assets
0.97%
81th pctile · n=500↓ better
+47 bp QoQ
Texas Ratio (regulatory)
8.63%
81th pctile · n=500↓ better
+407 bp QoQ
Net Charge-Offs / Avg Loans
-0.02%
9th pctile · n=500↓ better
ALLL Coverage of NPL
92.48%
29th pctile · n=500↑ better
-8648 bp QoQ

Earnings

Net Interest Margin
3.36%
26th pctile · n=500↑ better
+4 bp QoQ
Return on Assets
0.23%
4th pctile · n=500↑ better
-23 bp QoQ
Return on Equity
2.32%
4th pctile · n=500↑ better
-176 bp QoQ
Efficiency Ratio
95.03%
98th pctile · n=500↓ better
+1369 bp QoQ
Pre-tax NOI / Avg Assets
0.30%
4th pctile · n=500↑ better
-30 bp QoQ

Funding

Brokered / Deposits
6.61%
80th pctile · n=500↓ better
+5 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
1.99%
54th pctile · n=500↓ better
-189 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
16.78%
45th pctile · n=500↑ better
+45 bp QoQ
AFS Securities / Assets
16.78%
53th pctile · n=500↑ better
+45 bp QoQ
HTM Securities / Assets
0.00%
31th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 05:02:45 UTC