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Tcm Bank National Association

IDRSSD: 2687487
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q4QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #2687487 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 76.9% of deposits (threshold 30%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.4% (threshold 100%).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.53% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ +6
60
Sub-score

Liquidity is deteriorating: brokered 76.9%, loans/deposits 107.4%, cash 9.4% of assets.

Cash / Assets
9.38%
Loans / Deposits
107.44%
Brokered %
76.86%

Watch Items

  • riskBrokered deposits above 30% — Brokered 76.9% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 107.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.79%, CET1 17.79%, leverage 17.40%.

Tier 1 RBC
17.79%
CET1
17.79%
Leverage
17.40%
No watch items at this period.

Asset Quality

StableQoQ +2
68
Sub-score

Asset quality is stable: Adjusted NPL 1.04%, Texas Ratio 4.4%, NCO YTD 1.53%.

Adjusted NPL
1.04%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
1.53%
30-89 PD
1.37%
Band 0.3% / 3.0%
90+ PD
1.04%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.04%.
  • watchNet charge-offs elevated — NCO YTD 1.53% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.40% of loans, coverage 339.8%, true coverage 308.2%.

ALLL / Loans
3.40%
Coverage
339.8%
True Loss Coverage
308.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 12:00:48 UTC