Call reports 2025
TCM BANK, NATIONAL ASSOCIATION — 2025
What TCM BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 358,400,000 | 381,530,000 | 380,870,000 | 395,143,000 |
| Total loans | 315,071,000 | 313,288,000 | 309,106,000 | 315,877,000 |
| Allowance for loan losses | 11,140,000 | 11,077,000 | 10,956,000 | 11,225,000 |
| Securities available for sale | 1,683,000 | 1,644,000 | 17,073,000 | 17,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,682,000 | 285,520,000 | 286,123,000 | 302,634,000 |
| Interest-bearing deposits | 275,583,000 | 284,362,000 | 285,106,000 | 301,778,000 |
| Noninterest-bearing deposits | 1,099,000 | 1,158,000 | 1,017,000 | 856,000 |
| Equity capital | 63,487,000 | 77,486,000 | 77,581,000 | 76,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,583,000 | 16,449,000 | 24,781,000 | 33,003,000 |
| Interest expense | 3,079,000 | 5,997,000 | 8,922,000 | 11,808,000 |
| Net interest income | 5,504,000 | 10,452,000 | 15,859,000 | 21,195,000 |
| Noninterest income | 11,590,000 | 24,087,000 | 36,400,000 | 48,125,000 |
| Noninterest expense | 17,266,000 | 32,704,000 | 48,016,000 | 64,400,000 |
| Provision for loan losses | 2,790,000 | 4,783,000 | 7,113,000 | 9,827,000 |
| Pretax income | -2,962,000 | -2,948,000 | -2,870,000 | -4,907,000 |
| Income tax | -786,000 | -779,000 | -772,000 | -1,740,000 |
| Net income | -2,176,000 | -2,169,000 | -2,098,000 | -3,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,561,000 | 74,425,000 | 73,996,000 | 72,807,000 |
| Total capital | 64,907,000 | 78,817,000 | 78,297,000 | 77,243,000 |
| Risk-weighted assets | 340,907,000 | 344,696,000 | 337,404,000 | 348,111,000 |