Visbanking Logo
Skip to main content

Tcm Bank National Association

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q2QoQ +2

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

Quarterly Headline

2025-Q2

Bank #2687487 2025-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 75.6% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.62% of loans.
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.8% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +7
62
Sub-score

Liquidity is stable: brokered 75.6%, loans/deposits 105.8%, cash 13.5% of assets.

Cash / Assets
13.54%
Loans / Deposits
105.85%
Brokered %
75.63%

Watch Items

  • riskBrokered deposits above 30% — Brokered 75.6% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 105.8% (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 21.59%, CET1 21.59%, leverage 20.06%.

Tier 1 RBC
21.59%
CET1
21.59%
Leverage
20.06%
No watch items at this period.

Asset Quality

StableQoQ +1
66
Sub-score

Asset quality is stable: Adjusted NPL 0.99%, Texas Ratio 3.5%, NCO YTD 2.62%.

Adjusted NPL
0.99%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
2.62%
30-89 PD
1.17%
Band 0.3% / 3.0%
90+ PD
0.99%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.62% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.54% of loans, coverage 370.7%, true coverage 330.8%.

ALLL / Loans
3.54%
Coverage
370.7%
True Loss Coverage
330.8%
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