# TC FEDERAL BANK
THOMASVILLE, GA · FDIC certificate 29331 · asset band $300M-1B · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $559.5M | |
| Deposits | $483.0M | |
| Loans and leases | $413.1M | |
| Total equity | $57.0M | |
| Loans / deposits | 84.48% (p57 of band) | 81.39% |
| Liquid assets / assets | 22.60% (p41 of band) | |
| Uninsured deposits / deposits | 23.90% (p44 of band) | 25.47% |
| Brokered deposits | 5.70% | |
| Wholesale funding | 7.49% (p65 of band) | |
| FHLB advances / assets | 1.79% | |
| Tier 1 leverage | 10.26% (p43 of band) | 10.62% |
| Unrealized securities loss / equity | -2.73% (p75 of band) | -9.12% |
| AOCI / equity | 3.13% (p45 of band) | |
| ROA (annualized) | 0.34% (p9 of band) | 1.14% |
| Net interest margin | 3.34% (p31 of band) | 3.68% |
| Efficiency ratio | 87.37% (p93 of band) | |
| Noncurrent loans | 1.31% (p81 of band) | 0.38% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 92.48% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 78.53% (p75 of band) | |
| Auto loans | $359,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.5% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | charge-offs p90 |  |
| 2011-12 | 5 | loans exceed deposits, capital falling |  |
| 2012-03 | 4 |  | loans exceed deposits |
| 2012-06 | 3 |  | charge-offs p90 |
| 2012-09 | 4 | charge-offs p90 |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 2 |  | losing money, capital falling |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 2 | losing money | reserve under noncurrent |
| 2014-03 | 0 |  | charge-offs p90, losing money |
| 2014-06 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 5 | deposits shrinking, assets shrinking | losing money |
| 2015-06 | 5 | losing money | deposits shrinking |
| 2015-09 | 4 |  | assets shrinking |
| 2015-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2016-03 | 0 |  | charge-offs p90, losing money |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | expense ratio p90 |  |
| 2017-06 | 0 |  | expense ratio p90 |
| 2017-09 | 2 | capital falling, expense ratio p90 |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 2 | capital falling | reserve under noncurrent |
| 2020-03 | 0 |  | expense ratio p90, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | expense ratio p90 |  |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 1 | expense ratio p90 |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | expense ratio p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | expense ratio p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-25 [Colony Bank and TC Federal Bank approach completion of merger - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQWXRpNkRUNUpwUHVSaVRXazE5ZFltWk8tRjZXazBtRmtsWktVUXB3NlpkV0FfMG16MnNWeGppcDJ1Q1dMdTRaeDNYYU9NZlVNUWotdnZWTGRBNklJSDJfcXpRZ3pOM1Uxbk9NZ1FmNnNyZktXRUhTSG9HaF9Rd3JGUjloYTNIWU1RMC1sbzVOQVJjSk8wdW5nLVZwSjRkeWNRQVdtYjVGbw?oc=5) · The Business Journals
- 2025-11-17 [Colony Bankcorp, Inc. and TC Bancshares, Inc. Announce Regulatory and Shareholder Approvals Received for Merger - Business Wire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNVi1meC1tSnhYRExPSTNRbjZGeFdFNDRtaUZUYlBRaHFkbkxwaEcybjhnUml2OGVYbTU1TUxuajA0NFUwVnVFcE5jY2hRUENGYXkxTVZyRnI2U2NYakhENGFnWXNtY01aUklQdWZQTmJLbEFVN1RMZTFDX3JfcnQyUVNWUld1UWhuTWFmM1FsVVRoX3pyVldnZkhodkgtX2VQS0JuZkZPQzRYbGxtaEV3ekwxRDZWX1MxWlp0MjI4eHJCdlQ1TU1vQ2dKSmtZcWZROXdHMEhXMlZkTGpvVmdjVVBQak5jVGdHWlRocnoxRVNHbXdieDB5OGxn?oc=5) · Business Wire
- 2025-07-25 [TC Federal Bank's holding company acquired by Georgia-based bank - Tallahassee Democrat](https://news.google.com/rss/articles/CBMixgFBVV95cUxOSi0xek1wYTAwTzJTQmZnTGRJTDB3cm9udHUyYjFZQ2xFZFpobmMtbzIyV3FvOXhTcmJpcHNvTzFzVnR6LVhvSWFEZElMeU9jTWpSTjR4THFsV25WRUs5dXNjM2VKS3VpU3U4WGsySkxEU0lCYXNhZW80djhLU09ERFhrZzNvMWZJTEp6ZUU1WG00OXlpWHdlMXJLZXNmbGlxbmpGQUFCRm45RXdrWmUzOU5XV3JFZldfZy1EQllMdXhVYnpKU3c?oc=5) · Tallahassee Democrat
- 2025-07-24 [Michigan, Georgia banks propose to buy in-state peers - Banking Dive](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQSEdmVDBLWTFqSm9iRGxFQnFyaFoxTDBHWHZkeTVtdmJLejBlblpLODdKQmVUOWRWX3BicGJfQ184djNZNHM1WGZqS3ZTeXBheEtCem9oQ0NGSE9wemZRNjBya0t3NGdOTkhTOXlWcTAyQ0lLT1FBaDA1SVRSSnUwem5PNnJqU1R4cmVNRWNHZHF4VXZJcWMzd29IQWpOV28wVEJvbWJGaVkwYWZkakdpRndINmhGQjJuM0diQ1BRTmJRaGVRS0J0SnRoZHViOXNyV3VWVA?oc=5) · Banking Dive
- 2025-05-05 [TC Federal Bank announces leadership promotion - Thomasville Times-Enterprise](https://news.google.com/rss/articles/CBMijwFBVV95cUxPYkVVb1cxOTQtdmtacVVheWl0NDg5SVZ4Q2xRM0hvWmRfbUhRUU5JYXo4cjk1MVlaY2ptLTA1UGxISDA4TWF1V0pXdXV0bmoxX2JzcjA2UFhkTXZJc0VaODNIRDQtOEFNc0ZPcjB1T2Q3UjFZeU1LUTRVYzcxVWVZa3ZJYVhzZHUzSFZFOEJ6bw?oc=5) · Thomasville Times-Enterprise
- 2023-07-26 [TC Federal Bank Celebrates Grand Opening of Full-Service Retail Branch in Savannah - The Savannah Tribune](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPbXd3UGM2dDE2SElXM2UwdXRBSGNqSUdQV09yTVBlaVhEcHdBV3hHYUM5QnppOG5EU3B3T0ExYjhtQ0RSdks1bTRER1ZMSGhMX3FUYUJHMXpTWDdLZHdkem1lR3UzNXNJb3RzT0t0dFRJVVlHclFXd1lhZGFhX296UzM4LW5wRGZ2QVRZTUdfQjRhTFduMWxuR1lvcGNOU2libWx5UHpoNWFJOWRUTmtTa1p1M2hpWVVmYUJqUjVpX1VZQQ?oc=5) · The Savannah Tribune
- 2025-07-23 [Colony Bankcorp, Inc. and TC Bancshares, Inc. Announce Signing of Definitive Merger Agreement to Create a Stronger Franchise in Key Georgia and Florida Markets - Business Wire](https://news.google.com/rss/articles/CBMiugJBVV95cUxNeXJ4bDlxeUNqeDJ2MGdRVkxkOWsybTlLaXBNRXNHN0xzMGZGdzVmQzFMeFlhdEZTM3dpd3AwOFAxX2k2MjNWd1l2YmcyYXZQM0Fkb0tOVkxrQjNwYjNpMHBZeVVPM1h0NDBsbm1na3FpNVpMaFAwLTRSWUFyOUNkRDRfYzZYMHZELTYyTWphUTRGaFAzcGlOZ3FyenRYM3VGYWhUc0lWRF9nZWlRU2Q5bGF0ZjZGVFdON1BNSjZsdGlEajFxVUdobnFkazA5b3doSmItSURFZVU3QkNUd0Z5Vk1VOHVjT0NkWVVFNm9Nd0NCVWRmM05zSTU4MUZ4WEMyWmdTODlnMmZyT0ZwYy1HcDhZaDVaMkh6N0I3TmU4MlFtVDlyNElXNGxjbmx4dE1sR3hUTW9BelpyZw?oc=5) · Business Wire
- 2023-06-20 [TRAPPER GRIFFITH promoted to Senior Vice President, Savannah Market President at TC Federal Bank - Savannah Business Journal](https://news.google.com/rss/articles/CBMirwJBVV95cUxOX2xpRS1pelhQYld3el9yazBMM0E5RERfWk5teEl5OUNwQjcycFYzRmNtRDVXVnhZMjBlR1dnMjN6UXRlLUdfTVpNSmNIalFnMkN1c1F2WGpyNlpuTmZ0LURLdVJMYS1oY2VmMUVJUlpQSkJYdi1yU2JJS0ZkMTIzMV9CWEZieVNIcDFtc3FpTGpaQnprMkpHVDFnS3BsUUN0YzYza19ITkNSdXdpXzZsTjE2T2JoVHBYNV9UVlVSdm5vMUk5UVZxaVRseGNJaVcwSU1yNFlxNXM5N0VIZ2haVFpidXdNVHBZcUxQZURHYUFBQ2tJaGljdWZTLUVBR205UTk4UVpLUnVTSVdRbGtEd1J2bUl1Z19VMjJzeXFuVkJZMmJzUk9yTDR0NEZZQkk?oc=5) · Savannah Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29331 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "29331", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide