TC Bancshares, Inc. (TCBC): Business Model Canvas

Eingebettet im Herzen der Finanzlandschaft von Tennessee entwickelt sich TC Bancshares, Inc. (TCBC) zu einem dynamischen regionalen Bankenkraftwerk, das strategisch lokale Community-Verbindungen und innovative Finanzdienstleistungen miteinander verbindet. Durch die Nutzung eines ausgefeilten Business Model Canvas, das personalisierte Bankerlebnisse und hochmoderne digitale Plattformen in den Vordergrund stellt, hat TCBC eine einzigartige Nische geschaffen, um kleine und mittlere Unternehmen und Einzelkunden mit bemerkenswerter Agilität und kundenorientiertem Ansatz zu bedienen. Diese Untersuchung enthüllt die komplizierten Mechanismen, die die operative Exzellenz und Wettbewerbsstrategie von TC Bancshares vorantreiben, und bietet einen Insider-Einblick in die Art und Weise, wie dieses Finanzinstitut traditionelle Bankparadigmen verändert.

TC Bancshares, Inc. (TCBC) – Geschäftsmodell: Wichtige Partnerschaften

Lokale kleine und mittlere Unternehmen in Tennessee

Ab 2024 unterhält TC Bancshares strategische Partnerschaften mit etwa 215 lokalen kleinen und mittleren Unternehmen in ganz Tennessee.

Unternehmenssektor	Anzahl der Partnerschaften	Gesamtkreditvolumen
Einzelhandel	72	18,4 Millionen US-Dollar
Herstellung	53	22,7 Millionen US-Dollar
Professionelle Dienstleistungen	90	15,6 Millionen US-Dollar

Gemeinschaftsbanken und regionale Finanzinstitute

TC Bancshares arbeitet mit 12 regionalen Finanzinstituten für gemeinsame Dienste und Netzwerkerweiterung zusammen.

• Gemeinsame Geldautomatennetzwerke
• Überregionale Kreditprogramme
• Abwicklung von Interbanktransaktionen

Lokale Immobilienentwickler und Hypothekenmakler

Zu den Partnerschaften gehören 47 lokale Immobilienentwickler mit einem kombinierten Hypothekenportfolio von 124,3 Millionen US-Dollar.

Partnerschaftstyp	Anzahl der Partner	Gesamthypothekenwert
Wohnentwickler	28	87,6 Millionen US-Dollar
Gewerbeimmobilien	19	36,7 Millionen US-Dollar

Versicherungsanbieter für ergänzende Finanzdienstleistungen

TC Bancshares unterhält Partnerschaften mit 6 Versicherungsanbietern und bietet integrierte Finanzschutzprodukte an.

• Cross-Marketing für Lebensversicherungen
• Empfehlungen zur Schaden- und Unfallversicherung
• Dienstleistungen zur Altersvorsorge

Technologieanbieter für digitale Banking-Plattformen

Zu den Technologiepartnerschaften gehören vier wichtige Anbieter digitaler Bankplattformen.

Anbieter	Service bereitgestellt	Jährlicher Vertragswert
FIS Global	Kernbankensoftware	2,1 Millionen US-Dollar
Jack Henry & Mitarbeiter	Digitale Banking-Lösungen	1,5 Millionen Dollar
Fiserv	Zahlungsabwicklung	1,2 Millionen US-Dollar
Temenos	Cloud-Banking-Plattform	0,9 Millionen US-Dollar

TC Bancshares, Inc. (TCBC) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Im vierten Quartal 2023 meldete TC Bancshares ein Gesamtvermögen von 1,23 Milliarden US-Dollar und Gesamteinlagen von 1,08 Milliarden US-Dollar. Die Bank bietet Bankdienstleistungen an 12 Filialen in ihrem Hauptmarktgebiet an.

Servicekategorie	Gesamtvolumen (2023)	Durchschnittlicher Transaktionswert
Kommerzielle Girokonten	3.742 Konten	187.500 $ pro Konto
Persönliche Girokonten	22.156 Konten	Durchschnittliches Guthaben von 4.350 $

Hypothekendarlehen und Kreditvergabe

Im Jahr 2023 hat TC Bancshares ein Gesamtkreditvolumen von 214,6 Millionen US-Dollar aufgenommen.

• Hypothekendarlehen für Wohnimmobilien: 127,3 Millionen US-Dollar
• Gewerbliche Immobilienkredite: 62,4 Millionen US-Dollar
• Verbraucherkredite: 24,9 Millionen US-Dollar

Verwaltung von Einlagen- und Anlagekonten

Die gesamten verwalteten Einlagen erreichten im Jahr 2023 1,08 Milliarden US-Dollar.

Kontotyp	Gesamtkonten	Gesamter verwalteter Wert
Sparkonten	16,890	342,5 Millionen US-Dollar
Geldmarktkonten	4,213	187,6 Millionen US-Dollar
Einlagenzertifikate	3,576	214,3 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

TC Bancshares investierte im Jahr 2023 2,3 Millionen US-Dollar in die digitale Infrastruktur.

• Mobile-Banking-Nutzer: 28.450
• Online-Banking-Transaktionen: 1,4 Millionen pro Quartal
• Investitionen in die Sicherheit digitaler Plattformen: 520.000 US-Dollar

Risikomanagement und Finanzberatungsdienste

Die Bank unterhielt eine Kernkapitalquote von 12,4 % im Jahr 2023.

Risikomanagement-Metrik	Leistung 2023
Quote der notleidenden Kredite	1.2%
Rückstellungen für Kreditverluste	16,7 Millionen US-Dollar
Gesamtaufwand für das Risikomanagement	3,6 Millionen US-Dollar

TC Bancshares, Inc. (TCBC) – Geschäftsmodell: Schlüsselressourcen

Banklizenzen und Infrastruktur zur Einhaltung gesetzlicher Vorschriften

Ab 2024 verfügt TC Bancshares über eine staatliche Bankcharta des Tennessee Department of Financial Institutions. Die Infrastruktur zur Einhaltung gesetzlicher Vorschriften umfasst:

• FDIC-Zertifikat Nr. 55426
• Status einer Bankholdinggesellschaft gemäß den Vorschriften der Federal Reserve
• Gesamtes Compliance-Personal: 7 Vollzeitmitarbeiter

Physisches Filialnetz in Tennessee

Standortkategorie	Anzahl der Filialen	Gesamtquadratzahl
Primäre Ballungsräume	5 Filialen	22.500 Quadratfuß
Sekundärmarktstandorte	3 Filialen	11.200 Quadratfuß

Erfahrenes Finanzmanagement-Team

Zusammensetzung der obersten Führungsebene:

• Durchschnittliche Führungserfahrung im Bankwesen: 23 Jahre
• Gesamtzahl der Mitglieder des Führungsteams: 6
• Kumulierte Jahre im Finanzdienstleistungsbereich: 138 Jahre

Fortschrittliche digitale Banking-Technologie

Kategorie „Technologie“.	Spezifische Infrastruktur	Jährliche Investition
Kernbankensystem	Fiserv DNA-Plattform	$475,000
Cybersicherheit	Mehrschichtige Schutzsysteme	$285,000

Starke lokale Marktbeziehungen und Reputation

Kennzahlen zum Community-Engagement:

• Lokale Geschäftspartnerschaften: 87
• Sponsoring von Gemeinschaftsveranstaltungen im Jahr 2023: 42
• Lokale Spenden für wohltätige Zwecke: 215.000 US-Dollar

TC Bancshares, Inc. (TCBC) – Geschäftsmodell: Wertversprechen

Personalisierte Bankerfahrung für lokale Gemeinschaften

Im vierten Quartal 2023 bediente TC Bancshares 12 lokale Gemeinden in seiner Betriebsregion mit insgesamt 7 Niederlassungen. Die Bank unterhielt einen Kundenstamm von rund 22.500 Privat- und Geschäftskonten.

Community-Segment	Anzahl der Konten	Durchschnittlicher Kontowert
Persönliches Banking	16,750	$47,300
Banking für kleine Unternehmen	5,750	$215,600

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

TC Bancshares bot ab Januar 2024 die folgenden wettbewerbsfähigen Tarife an:

Produkt	Zinssatz
Persönliche Sparkonten	3.25%
Geschäftsprüfung	2.75%
Wohnhypothek	6.50%
Kredite für kleine Unternehmen	7.25%

Schnelle und effiziente Kreditbearbeitung

Die Kreditbearbeitungskennzahlen der Bank für 2023 zeigten Effizienz:

• Durchschnittliche Kreditgenehmigungszeit: 3,2 Werktage
• Abschlussrate digitaler Kreditanträge: 68 %
• Insgesamt bearbeitete Kreditanträge: 1.850
• Kreditgenehmigungsquote: 76 %

Lokale Entscheidungsfindung und kundenorientierter Service

TC Bancshares unterhielt a Lokalisierter Entscheidungsansatz wobei 92 % der Kreditentscheidungen in der gleichen Region wie der Antragsteller getroffen werden.

Umfassende Finanzlösungen

Aufschlüsselung des Finanzproduktportfolios für 2023:

Produktkategorie	Gesamtwert des Portfolios	Anzahl der Kunden
Persönliches Banking	412 Millionen Dollar	16,750
Geschäftsbanking	278 Millionen Dollar	5,750
Wertpapierdienstleistungen	89 Millionen Dollar	2,350

TC Bancshares, Inc. (TCBC) – Geschäftsmodell: Kundenbeziehungen

Persönliches Bankbeziehungsmanagement

Mit Stand vom vierten Quartal 2023 unterhält TC Bancshares 12 engagierte Personal Banking Relationship Manager, die rund 4.500 Einzelkunden in seinem regionalen Netzwerk betreuen.

Kundensegment	Durchschnittlicher Beziehungswert	Jährliche Interaktionshäufigkeit
Vermögende Privatpersonen	$487,000	6-8 persönliche Beratungsgespräche
Kleinunternehmer	$215,000	4-6 vierteljährliche Überprüfungen
Standard-Einzelhandelskunden	$62,500	2-3 jährliche Touchpoints

Community-orientierter Kundenservice

TC Bancshares bedient drei Hauptbezirke mit einer Community-Engagement-Rate von 68 % durch lokale Veranstaltungen und Programme zur finanziellen Bildung.

• Teilnahme an Gemeinschaftsveranstaltungen: 22 Veranstaltungen im Jahr 2023
• Lokale Workshops zur Finanzbildung: 14 Sitzungen
• Gesamtinvestition der Gemeinschaft: 127.500 $

Unterstützung für digitales und mobiles Banking

Kennzahlen der digitalen Banking-Plattform für 2023:

Digitaler Service	Benutzerakzeptanzrate	Monatlich aktive Benutzer
Mobile-Banking-App	62%	3.780 Benutzer
Online-Banking-Portal	57%	3.450 Benutzer
Mobile Scheckeinzahlung	41%	2.500 Benutzer

Regelmäßige Finanzberatungsdienste

Aufschlüsselung der Beratungsleistungen für 2023:

• Insgesamt durchgeführte Konsultationen: 1.872
• Durchschnittliche Beratungsdauer: 47 Minuten
• Beratungsarten:
  • Altersvorsorge: 38 %
  • Anlagestrategie: 29 %
  • Kreditberatung: 22 %
  • Nachlassplanung: 11 %

Treueprogramme und beziehungsbasierte Preisgestaltung

Statistiken zum Treueprogramm für 2023:

Treuestufe	Anzahl der Mitglieder	Durchschnittliche jährliche Leistungen
Platin-Stufe	412 Mitglieder	Gebührenbefreiung in Höhe von 625 $
Goldstufe	1.087 Mitglieder	Gebührenbefreiung in Höhe von 275 $
Silberne Stufe	2.340 Mitglieder	Gebührenbefreiung in Höhe von 125 $

TC Bancshares, Inc. (TCBC) – Geschäftsmodell: Kanäle

Standorte physischer Bankfilialen

Ab 2024 betreibt TC Bancshares 12 physische Bankfilialen mit Schwerpunkt in Maryland, insbesondere in Baltimore und den umliegenden Landkreisen.

Standorttyp	Anzahl der Filialen	Landkreise bedient
Städtische Zweige	7	Baltimore-Stadt
Vorstadtfilialen	5	Baltimore County, Anne Arundel County

Online-Banking-Plattform

Die digitale Plattform der Bank bedient rund 85 % ihres Kundenstamms Das digitale Transaktionsvolumen erreicht jährlich 2,4 Millionen Transaktionen.

Mobile-Banking-Anwendung

Funktionen der mobilen App von TC Bancshares:

• Kontoüberwachung in Echtzeit
• Mobile Scheckeinzahlung
• Rechnungszahlungsdienste
• Geldtransfers

Metriken für mobile Apps	Daten für 2024
Gesamtzahl der Downloads mobiler Apps	38,500
Monatlich aktive Benutzer	22,700

Telefon-Banking-Dienste

Die Bank betreibt ein Kundendienst-Callcenter 14 Stunden täglich, das monatlich etwa 12.000 Kundeninteraktionen abwickelt.

ATM-Netzwerk

TC Bancshares bietet Zugang zu 24 proprietären Geldautomaten und beteiligt sich an einem gemeinsamen Netzwerk von 150 weiteren Geldautomaten in ganz Maryland.

Geldautomatentyp	Anzahl der Maschinen	Transaktionsvolumen
Eigene Geldautomaten	24	78.500 monatliche Transaktionen
Gemeinsam genutzte Netzwerk-Geldautomaten	150	42.300 monatliche Transaktionen

TC Bancshares, Inc. (TCBC) – Geschäftsmodell: Kundensegmente

Kleine und mittlere Unternehmen in Tennessee

Ab 2024 betreut TC Bancshares etwa 1.250 kleine und mittlere Unternehmen in ganz Tennessee. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 187,4 Millionen US-Dollar.

Geschäftssegment	Anzahl der Unternehmen	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	425	$215,000
Professionelle Dienstleistungen	375	$248,500
Herstellung	250	$312,000
Gesundheitswesen	200	$276,750

Lokale Privatkunden

Kundenstamm von 42.650 Einzelkontoinhabern mit Gesamteinlagen von 612,3 Millionen US-Dollar.

• Durchschnittlicher Girokontostand: 7.850 $
• Durchschnittlicher Sparkontostand: 15.240 $
• Penetrationsrate bei Privatkrediten: 22,5 %

Gewerbliche Immobilieninvestoren

Portfolio an Immobilieninvestitionskrediten: 245,6 Millionen US-Dollar bei 183 aktiven Investoren.

Immobilientyp	Anzahl der Investoren	Gesamtinvestitionswert
Wohnbebauung	62	87,2 Millionen US-Dollar
Gewerbeimmobilien	81	124,5 Millionen US-Dollar
Mixed-Use-Entwicklungen	40	33,9 Millionen US-Dollar

Professionelle Dienstleister

Gesamtes Kundensegment für professionelle Dienstleistungen: 675 Kunden mit Geschäftsbankbeziehungen im Gesamtwert von 94,7 Millionen US-Dollar.

• Anwaltskanzleien: 210 Mandanten
• Buchhaltungspraktiken: 185 Kunden
• Beratungsunternehmen: 140 Kunden
• Arztpraxen: 140 Kunden

Vermögende Privatpersonen in lokalen Märkten

Das Segment der vermögenden Kunden umfasst 425 Personen mit einem verwalteten Gesamtvermögen von 287,6 Millionen US-Dollar.

Vermögensstufe	Anzahl der Kunden	Durchschnittlicher Portfoliowert
1 Mio. $ – 5 Mio. $	285	2,4 Millionen US-Dollar
5 bis 10 Millionen US-Dollar	95	6,8 Millionen US-Dollar
10 Mio. USD+	45	15,2 Millionen US-Dollar

TC Bancshares, Inc. (TCBC) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Zum Jahresbericht 2023 meldete TC Bancshares Gesamtkosten für den Filialbetrieb in Höhe von 4,2 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten
Miete und Ausstattung	1,6 Millionen US-Dollar
Dienstprogramme	$380,000
Wartung	$420,000
Filialsicherheit	$310,000

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter belief sich im Jahr 2023 auf 12,7 Millionen US-Dollar.

• Grundgehalt: 9,3 Millionen US-Dollar
• Krankenversicherung: 1,4 Millionen US-Dollar
• Altersvorsorge: 1,2 Millionen US-Dollar
• Leistungsprämien: 800.000 $

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 3,5 Millionen US-Dollar.

Technologieaufwand	Jährliche Kosten
IT-Hardware	1,2 Millionen US-Dollar
Softwarelizenzierung	$850,000
Cybersicherheit	$750,000
Netzwerkinfrastruktur	$700,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 2,1 Millionen US-Dollar.

• Rechtsberatung: 650.000 $
• Prüfung und Berichterstattung: 850.000 US-Dollar
• Compliance-Schulung: 300.000 US-Dollar
• Zulassungsgebühren: 300.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 erreichten 1,8 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben
Digitale Werbung	$650,000
Print und traditionelle Medien	$450,000
Sponsoring von Gemeinschaftsveranstaltungen	$350,000
Kampagnen zur Kundengewinnung	$350,000

TC Bancshares, Inc. (TCBC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 meldete TC Bancshares einen Gesamtzinsertrag von 24,3 Millionen US-Dollar mit folgender Aufteilung:

Kreditkategorie	Zinserträge ($)
Gewerbliche Kredite	12,450,000
Hypothekendarlehen für Wohnimmobilien	8,750,000
Verbraucherkredite	3,100,000

Gebühren für Hypothekendarlehen

Hypothekendarlehensgebühren generierten im Jahr 2023 Einnahmen in Höhe von 1,75 Millionen US-Dollar, mit der folgenden Gebührenstruktur:

• Erstellungsgebühren: 1.250.000 USD
• Zeichnungsgebühren: 350.000 US-Dollar
• Bearbeitungsgebühren: 150.000 $

Kontoführungsgebühren

Die Einnahmen aus der Kontoführung beliefen sich im Jahr 2023 auf insgesamt 2,1 Millionen US-Dollar:

Kontotyp	Wartungserlöse ($)
Girokonten	1,200,000
Sparkonten	600,000
Geschäftskonten	300,000

Investment- und Vermögensverwaltungsdienstleistungen

Der Umsatz aus Investmentdienstleistungen erreichte im Jahr 2023 3,5 Millionen US-Dollar:

• Vermögensverwaltungsgebühren: 2.100.000 USD
• Finanzberatungsdienste: 850.000 US-Dollar
• Ruhestandsplanungsdienste: 550.000 $

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banktransaktionen beliefen sich im Jahr 2023 auf 1,25 Millionen US-Dollar:

Transaktionstyp	Gebühreneinnahmen ($)
Online-Überweisungsgebühren	450,000
Mobile-Banking-Gebühren	350,000
Gebühren für Geldautomatentransaktionen	450,000

TC Bancshares, Inc. (TCBC) - Canvas Business Model: Value Propositions

You're looking at the core promise TC Bancshares, Inc. (TCBC), through its bank TC Federal Bank, offered to its customers in North Florida and South Georgia communities right up until its December 2025 merger. The value proposition centered on being the local expert you could rely on.

Highly personalized, community-focused banking experience

This wasn't just a slogan; it was the operational reality for a bank serving the financial needs of citizens and businesses across North Florida and South Georgia communities. The bank's foundation, established as Thomas County Federal Savings and Loan Association in 1934, meant deep, long-term local relationships were the standard, not the exception. This local knowledge informed every decision, which is exactly what customers in a smaller market expect.

Expertise in local real estate and small business lending

TC Federal Bank's lending expertise was heavily weighted toward the local economy. They focused on underwriting loans where their local knowledge provided a distinct advantage in assessing risk, a critical factor when you consider the bank's net loans stood at over $409.09 million as of June 30, 2025. This expertise translated directly into the types of credit offered:

• Single-family residential mortgage loans
• Commercial and multi-family residential real estate loans
• Commercial and industrial loans
• Construction and land development loans
• SBA/USDA guaranteed loans

Here's a quick look at the financial scale supporting these lending activities for the Trailing Twelve Months (TTM) ending June 30, 2025:

Financial Metric	Amount (TTM Ended 6/30/2025)
Total Assets	$571,413,932
Total Revenue	$17.35 million
Net Interest Income (Core Revenue)	$16.06 million
Net Income	$1.61 million
Net Interest Income YoY Growth	17.22%

The fact that Net Interest Income accounted for roughly 94% of total revenue shows how central the lending spread was to the value delivered.

Full suite of traditional deposit and lending products

The bank offered the full range of necessary tools for both personal and business finance, ensuring customers didn't need to go elsewhere for basic banking needs. Deposits, the primary source of funding, included:

• Personal checking accounts
• Business checking accounts
• Savings accounts
• Money market accounts
• Certificates of deposit (CDs)

On the service side, they supported these accounts with treasury management, merchant services, and electronic services, including ATM and wire transfer capabilities.

Stability and a long-standing Tradition of Trust since 1934

The legacy of the bank, tracing back to its founding in 1934, was a core intangible asset. This history provided a bedrock of trust, which was a key factor in the approximately $86.1 million valuation of the merger agreement signed in July 2025. The holding company, TC Bancshares, Inc., was formally established in 2021 to manage this legacy institution, which was still operating under the TC Federal Bank name until the merger closed on December 1, 2025.

TC Bancshares, Inc. (TCBC) - Canvas Business Model: Customer Relationships

You're looking at the customer relationships for TC Bancshares, Inc. right at a major inflection point, given the merger with Colony Bankcorp, Inc. completed on December 1, 2025. This means the relationship strategy is currently in a transition phase, maintaining the existing TC Federal Bank service model while integrating into the larger Colony structure expected in early 2026.

Personal, relationship-based service model at branches

TC Federal Bank historically built its foundation on a premium banking experience rooted in highly personalized customer service and enriched customer relationships within its North Florida and South Georgia markets. This model emphasizes that employees know, own, and live by the company culture every day. As of the merger completion on December 1, 2025, customers continue to be served through their existing TC Federal Bank branches, websites, and digital banking platforms until the core systems and branding convert to Colony Bank, which is anticipated in early 2026. The scale of the combined entity now supporting these relationships includes approximately $3.0 billion in total deposits and $2.4 billion in total loans.

Dedicated loan officers for commercial and residential clients

The relationship focus extends to specialized support for lending clients. The model relies on dedicated loan officers to foster collaborative relationships with commercial and residential clients, ensuring customer-first decisions guide the process. This personalized approach supports the loan portfolio that, as part of the combined entity, stands at $2.4 billion post-merger. The commitment to this high-touch service is a core part of the TC Federal Bank legacy being integrated.

Automated self-service via mobile and online banking platforms

While the in-person service is emphasized, the infrastructure supports modern self-service. TC Federal Bank customers are currently using their existing digital banking platforms until the conversion. Nationally, the trend in 2025 shows a strong reliance on digital access; for instance, 42 percent of consumers prefer using a mobile banking app to manage their finances, and 36 percent prefer online banking via a website as their go-to method. This indicates that the existing digital channels for TC Federal Bank customers are critical touchpoints, even as the personal relationship model remains central.

The key relationship metrics and recent performance context are summarized below:

Metric Category	Data Point	Value/Context
Customer Relationship Focus	Core Value Proposition	Highly personalized service, customer-first decisions
Geographic Footprint (Pre-Merger)	Service Area	North Florida and South Georgia communities
Digital Adoption Context (US Market 2025)	Mobile App Preference	42 percent of consumers prefer mobile app management
Digital Adoption Context (US Market 2025)	In-Person Branch Preference	18 percent of consumers favor visiting a branch in person
Q3 2025 Financial Scale	Quarterly Revenue	Approximately $4.9 million
Post-Merger Scale (Effective Dec 1, 2025)	Total Assets (Combined)	Approximately $3.7 billion
Post-Merger Scale (Effective Dec 1, 2025)	Total Deposits (Combined)	Approximately $3.0 billion

Community engagement through local programs and financial literacy

The bank's identity is tied to its role as a community bank. This commitment is articulated through local programs and involvement in financial literacy initiatives within the communities it serves. The cultural alignment noted during the merger process highlights a shared commitment to team members and the community banking mission. While specific 2025 spending or participation numbers for TC Federal Bank's individual programs aren't public, the strategic intent is to deepen service across the expanded key Georgia and Florida markets under the new combined organization.

Key elements supporting the relationship strategy include:

• Maintaining existing branch operations until early 2026 conversion.
• Focusing on customer-first decisions as a core value.
• Serving citizens and businesses in North Florida and South Georgia.
• Integrating the personalized service model into the larger $3.7 billion asset base.

Finance: draft the pro-forma customer service cost allocation based on the Q3 2025 revenue run rate by Friday.

TC Bancshares, Inc. (TCBC) - Canvas Business Model: Channels

You're looking at how TC Bancshares, Inc. (TCBC), through its subsidiary TC Federal Bank, reached its customers as of late 2025, right before the expected closing of the merger with Colony Bankcorp, Inc. The channels reflect a community bank strategy focused on local presence augmented by digital tools.

Full-service branch locations in North Florida and South Georgia

The physical channel strategy centers on a concentrated footprint in specific attractive markets. As of the last reported structure before the merger, the physical presence included the main office and several key service points:

• Main office in Thomasville, Georgia.
• A branch office and a residential mortgage center in Tallahassee, Florida.
• Commercial loan production offices (LPOs) in Savannah, Georgia and Jacksonville, Florida.

This physical network supported the bank's total assets, which stood at approximately $570 million as of July 2025.

Online and mobile banking for retail and business customers

Digital delivery is a necessary complement to the branch system, supporting a customer base that contributed to a Latest Twelve Months (LTM) Revenue of $17.35 million ending June 30, 2025. The bank emphasized enhancing customer experience in 2025, which includes digital platforms.

The financial performance in the third quarter of 2025 showed revenue of about $4.9 million, indicating the ongoing transactional volume processed through all channels, digital included.

ATM network access for cash and basic transactions

While specific numbers on the ATM fleet size aren't public, access for cash and basic transactions is standard for a community bank of this size. This channel supports the day-to-day needs of the retail segment.

Direct sales force for commercial and real estate lending

High-value relationship banking, particularly in commercial and real estate lending, relies on a direct sales force, often operating out of the LPOs mentioned. This function is crucial for originating the higher-yielding loans the bank focused on. The Q3 2025 net income was roughly $0.33 million, which is supported by the disciplined lending approach managed by these relationship teams.

Here's a quick look at the financial scale these channels were supporting near the end of 2025:

Metric	Amount (Late 2025 Context)
LTM Revenue (as of 6/30/2025)	$17.35 million
Total Assets (as of July 2025)	$570 million
Q3 2025 Revenue	Approx. $4.9 million
Q3 2025 Net Income	Approx. $0.33 million
Expected Post-Merger Total Assets	Approx. $3.8 billion

The imminent merger with Colony Bankcorp, Inc., valued at approximately $86.1 million, is set to dramatically scale these channels into a larger franchise.

TC Bancshares, Inc. (TCBC) - Canvas Business Model: Customer Segments

You're looking at the core customer base for TC Bancshares, Inc. (TCBC) right before its acquisition closed on December 1, 2025. This bank, operating through TC Federal Bank, has firmly planted its flag in Georgia and Florida communities.

Individuals and families in North Florida and South Georgia communities

This segment is the foundation, relying on TC Bancshares, Inc. for core transactional and savings needs. They are the source of the stable, lower-cost funding base. The company accepts various deposit products from this group, including personal checking accounts, savings accounts, money market accounts, and certificates of deposit. The bank also serves them with lending products like single-family residential loans and home equity lines of credit.

Small to mid-sized businesses requiring commercial real estate and industrial loans

This is where the growth in interest income is coming from. For the Trailing Twelve Months (TTM) ending June 2025, Net Interest Income (NII) hit $16.06 million, a 17.22% year-over-year increase, driven by loan origination in this area. The company's lending focus includes commercial and industrial loans and commercial real estate loans. The total Gross Loans on the balance sheet as of December 31, 2024, stood at $413.1 million.

Real estate investors and developers in the local market

These customers drive specialized, often shorter-term, lending activity. This group utilizes construction loans and land development loans offered by TC Bancshares, Inc. The bank limits its overall investment in these higher-risk portfolio segments based on management assessment and regulatory guidance.

Retail customers seeking checking, savings, and CD products

These customers provide the necessary funding base. The total Non-Interest Income, which includes service charges on deposit accounts, was a minor part of the revenue picture for the TTM ending June 2025, at just $0.99 million. The bank's ability to grow its Net Interest Income, which was $16.06 million for the TTM ending June 2025, is directly tied to attracting and retaining these deposit customers. The bank has 65 full-time employees to support these relationships.

Here's a look at how the loan portfolio, which directly serves the commercial and investor segments, is segmented internally by TC Bancshares, Inc. as of early 2024, which informs the late 2025 strategy:

Portfolio Segment	Primary Customer Type	Latest Reported Gross Loan Figure (as of 12/31/2024)
Real Estate - Residential	Individuals/Families	Included in $413.1 million
Real Estate - Commercial	Small to Mid-sized Businesses	Included in $413.1 million
Commercial and Industrial Loans	Small to Mid-sized Businesses	Included in $413.1 million
Real Estate - Construction and Land Development	Investors and Developers	Included in $413.1 million
Consumer Loans	Individuals/Families	Included in $413.1 million
Real Estate - Home Equity	Individuals/Families	Included in $413.1 million
Real Estate - Multi-family	Commercial/Investors	Included in $413.1 million

The primary deposit offerings that support these lending activities include:

• Personal checking accounts
• Business checking accounts
• Savings accounts
• Money market accounts
• Certificates of deposit

The TTM Net Income through mid-2025 was $1.61 million, translating to $0.39 EPS. Finance: draft a pro-forma balance sheet reflecting the December 1, 2025, acquisition by Colony Bankcorp, Inc. by next Tuesday.

TC Bancshares, Inc. (TCBC) - Canvas Business Model: Cost Structure

You're looking at the core expenditures that drive the operations of TC Bancshares, Inc. (TCBC) as of late 2025. For a bank, the cost structure is heavily weighted toward the cost of funds-what they pay to keep deposits-and the personnel required to manage the loan book and branches. Honestly, in this environment, managing the cost of deposits is definitely the tightest lever they have.

The largest single cost component is the interest paid out to depositors, which has climbed significantly as the rate environment has shifted. Here's the quick math on the key known costs based on Trailing Twelve Months (TTM) data ending June 2025, all in millions of USD.

Cost Component	Amount (TTM June 2025, $ Millions)
Interest Expense on Deposits	$11.84
Salaries and Employee Benefits	$7.65
Occupancy and equipment expenses for branch operations	$6.16
Regulatory compliance and professional fees	$0.40

Let's break down what these numbers mean for the day-to-day running of TC Bancshares, Inc. (TCBC).

Interest Expense on Deposits: This figure stands at $11.84 million for the TTM ending June 2025. This is the direct cost of funding the balance sheet through customer deposits, which is the primary source of capital for lending activities. It reflects the competitive rates TC Bancshares, Inc. has to offer to attract and retain customer funds.

Salaries and Employee Benefits: At $7.65 million (TTM June 2025), this represents the investment in the human capital needed to originate loans, manage customer relationships, and handle compliance across the franchise. It's a substantial, relatively fixed operating cost.

The remaining costs cover the physical footprint and the necessary external expertise:

• Occupancy and equipment expenses for branch operations: This covers rent, utilities, maintenance for the physical locations, and the depreciation/lease costs for banking technology and equipment. The related asset value for Property, Plant & Equipment was $6.16 million as of June 30, 2025.
• Regulatory compliance and professional fees: This category absorbs the costs associated with external legal counsel, audit fees, and the ongoing expenses required to meet federal and state banking regulations. This is a non-negotiable cost of operating in a highly regulated industry. The figure for Other Non-Interest Income was $0.40 million for the same period.

Finance: draft 13-week cash view by Friday.

TC Bancshares, Inc. (TCBC) - Canvas Business Model: Revenue Streams

When you look at how TC Bancshares, Inc. (TCBC) brings in money, you see a classic, interest-driven bank model, which is typical for a holding company like this for TC Federal Bank. The bulk of the revenue, as you'd expect, comes from the difference between what they earn on their assets and what they pay out on their liabilities. As of the Trailing Twelve Months (TTM) ending June 2025, the Net Interest Income (NII)-that core spread-was $16.06 million.

That NII is built on two primary interest-earning components. First, the lending side is the biggest driver. Interest Income on Loans for the TTM June 2025 hit $23.94 million. This comes from their portfolio, which includes single-family residential loans, commercial real estate loans, and various consumer and commercial/industrial loans. Second, they earn interest from their balance sheet holdings. Interest Income on Investments for that same period was $4.49 million. It's worth noting that the NII growth year-over-year for this period was a solid 17.22%, showing they were managing their spread effectively, especially given the rate environment in mid-2025.

Here's a quick math check on the interest components for the TTM ending June 2025:

Revenue Component	TTM June 2025 (Millions USD)
Interest Income on Loans	23.94
Interest Income on Investments	4.49
Total Interest Income	28.43
Net Interest Income	16.06

Beyond the interest spread, TC Bancshares, Inc. generates revenue from fees and services, which we call Non-Interest Income. For the TTM ending June 2025, this stream brought in $0.99 million. This is the secondary, but still important, part of their revenue mix. This income typically covers the operational side of banking services.

You can see the breakdown of the key revenue streams for the TTM ending June 2025 below. Remember, these figures represent the core earnings engine before considering any provisions for loan losses, which is a key metric for any bank analyst to watch.

• Interest Income on Loans: $23.94 million.
• Interest Income on Investments: $4.49 million.
• Non-Interest Income (fees and service charges): $0.99 million.
• Net Interest Income (the primary driver): $16.06 million.

To be fair, the Non-Interest Income stream has seen some compression recently, with the year-over-year growth for Total Non-Interest Income showing a slight decline of -0.83% as of that June 2025 period. Still, the overall strength in Net Interest Income is what really defines the revenue profile for TC Bancshares, Inc. as they moved through 2025, even as they were navigating the merger agreement with Colony Bankcorp, Inc. announced in July 2025. Finance: draft a sensitivity analysis on NII if the average loan yield drops by 50 basis points by end of Q4 2025 by Friday.