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Tcm Bank National Association

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #2687487 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 81.7% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.13% of loans.
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.7% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +2
65
Sub-score

Liquidity is stable: brokered 81.7%, loans/deposits 100.7%, cash 12.4% of assets.

Cash / Assets
12.42%
Loans / Deposits
100.67%
Brokered %
81.71%

Watch Items

  • riskBrokered deposits above 30% — Brokered 81.7% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 100.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.93%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.91%, CET1 20.91%, leverage 18.69%.

Tier 1 RBC
20.91%
CET1
20.91%
Leverage
18.69%
No watch items at this period.

Asset Quality

StableQoQ -3
61
Sub-score

Asset quality is stable: Adjusted NPL 1.08%, Texas Ratio 3.9%, NCO YTD 3.13%.

Adjusted NPL
1.08%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
3.13%
30-89 PD
1.67%
Band 0.3% / 3.0%
90+ PD
1.08%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.08%.
  • riskNet charge-offs elevated — NCO YTD 3.13% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.55% of loans, coverage 342.2%, true coverage 308.4%.

ALLL / Loans
3.55%
Coverage
342.2%
True Loss Coverage
308.4%
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