TC Bancshares, Inc. (TCBC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón del paisaje financiero de Tennessee, TC Bancshares, Inc. (TCBC) surge como una potencia bancaria regional dinámica, tejiendo estratégicamente juntas conexiones de la comunidad local y servicios financieros innovadores. Al aprovechar un sofisticado lienzo de modelo de negocio que prioriza las experiencias bancarias personalizadas y las plataformas digitales de vanguardia, TCBC ha forjado un nicho único en el servicio de empresas pequeñas a medianas y clientes individuales con una notable agilidad y un enfoque centrado en el cliente. Esta exploración presenta los intrincados mecanismos que impulsan la excelencia operativa y la estrategia competitiva de TC Bancshares, ofreciendo la visión de una información privilegiada sobre cómo esta institución financiera transforma los paradigmas bancarios tradicionales.

TC Bancshares, Inc. (TCBC) - Modelo de negocios: asociaciones clave

Empresas locales pequeñas a medianas en Tennessee

A partir de 2024, TC Bancshares mantiene asociaciones estratégicas con aproximadamente 215 empresas locales pequeñas a medianas en Tennessee.

Sector empresarial	Número de asociaciones	Volumen total de préstamos
Minorista	72	$ 18.4 millones
Fabricación	53	$ 22.7 millones
Servicios profesionales	90	$ 15.6 millones

Bancos comunitarios e instituciones financieras regionales

TC Bancshares colabora con 12 instituciones financieras regionales para servicios compartidos y expansión de la red.

• Redes de cajeros automáticos compartidos
• Programas de préstamos interregionales
• Procesamiento de transacciones interbancarias

Desarrolladores de bienes raíces locales y corredores de hipotecas

Las asociaciones incluyen 47 desarrolladores de bienes raíces locales con una cartera de hipotecas combinadas de $ 124.3 millones.

Tipo de asociación	Número de socios	Valor de hipoteca total
Desarrolladores residenciales	28	$ 87.6 millones
Inmobiliario comercial	19	$ 36.7 millones

Proveedores de seguros para servicios financieros complementarios

TC Bancshares mantiene asociaciones con 6 proveedores de seguros, que ofrecen productos integrados de protección financiera.

• Seguro de vida de marketing
• Referencias de seguros de propiedad y víctimas
• Servicios de planificación de jubilación

Proveedores de tecnología para plataformas de banca digital

Las asociaciones tecnológicas incluyen 4 proveedores de plataformas de banca digital primaria.

Proveedor	Servicio proporcionado	Valor anual del contrato
FIS Global	Software bancario central	$ 2.1 millones
Jack Henry & Asociado	Soluciones de banca digital	$ 1.5 millones
Fiserv	Procesamiento de pagos	$ 1.2 millones
Temenos	Plataforma de banca en la nube	$ 0.9 millones

TC Bancshares, Inc. (TCBC) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, TC Bancshares reportó activos totales de $ 1.23 mil millones y depósitos totales de $ 1.08 mil millones. El banco ofrece servicios bancarios en 12 sucursales en su área de mercado primario.

Categoría de servicio	Volumen total (2023)	Valor de transacción promedio
Cuentas corrientes comerciales	3.742 cuentas	$ 187,500 por cuenta
Cuentas corrientes personales	22,156 cuentas	Saldo promedio de $ 4,350

Préstamo hipotecario y origen de préstamos

En 2023, TC Bancshares originó $ 214.6 millones en volumen total de préstamos.

• Préstamos hipotecarios residenciales: $ 127.3 millones
• Préstamos inmobiliarios comerciales: $ 62.4 millones
• Préstamos al consumo: $ 24.9 millones

Gestión de cuentas de depósito e inversión

Los depósitos gestionados totales alcanzaron los $ 1.08 mil millones en 2023.

Tipo de cuenta	Cuentas totales	Valor gestionado total
Cuentas de ahorro	16,890	$ 342.5 millones
Cuentas del mercado monetario	4,213	$ 187.6 millones
Certificados de depósito	3,576	$ 214.3 millones

Desarrollo de la plataforma de banca digital

TC Bancshares invirtió $ 2.3 millones en infraestructura digital en 2023.

• Usuarios de banca móvil: 28,450
• Transacciones bancarias en línea: 1.4 millones por trimestre
• Inversiones de seguridad de plataforma digital: $ 520,000

Gestión de riesgos y servicios de asesoramiento financiero

El banco mantuvo un Relación de capital de nivel 1 del 12,4% en 2023.

Métrica de gestión de riesgos	2023 rendimiento
Relación de préstamos sin rendimiento	1.2%
Reservas de pérdida de préstamos	$ 16.7 millones
Gastos totales de gestión de riesgos	$ 3.6 millones

TC Bancshares, Inc. (TCBC) - Modelo de negocio: recursos clave

Licencias bancarias e infraestructura de cumplimiento regulatorio

A partir de 2024, TC Bancshares posee una carta bancaria estatal del Departamento de Instituciones Financieras de Tennessee. La infraestructura de cumplimiento regulatorio incluye:

• Certificado FDIC #55426
• Estado de la compañía tenedora bancaria bajo las regulaciones de la Reserva Federal
• Personal de cumplimiento total: 7 profesionales a tiempo completo

Red de sucursales físicas en Tennessee

Categoría de ubicación	Número de ramas	Hoques cuadrados totales
Áreas metropolitanas primarias	5 ramas	22,500 pies cuadrados
Ubicaciones de mercado secundario	3 ramas	11,200 pies cuadrados

Equipo experimentado de gestión financiera

Composición de liderazgo superior:

• Experiencia bancaria ejecutiva promedio: 23 años
• Total de los miembros del equipo ejecutivo: 6
• Años acumulativos en servicios financieros: 138 años

Tecnología de banca digital avanzada

Categoría de tecnología	Infraestructura específica	Inversión anual
Sistema bancario central	Plataforma de ADN de Fiserv	$475,000
Ciberseguridad	Sistemas de protección de varias capas	$285,000

Fuertes relaciones y reputación del mercado local

Métricas de compromiso de la comunidad:

• Asociaciones comerciales locales: 87
• Patrocinios de eventos comunitarios en 2023: 42
• Contribuciones caritativas locales: $ 215,000

TC Bancshares, Inc. (TCBC) - Modelo de negocio: propuestas de valor

Experiencia bancaria personalizada para comunidades locales

A partir del cuarto trimestre de 2023, TC Bancshares atendió a 12 comunidades locales en su región operativa, con un total de 7 ubicaciones de sucursales. El banco mantuvo una base de clientes de aproximadamente 22,500 cuentas individuales y comerciales.

Segmento de la comunidad	Número de cuentas	Valor de cuenta promedio
Banca personal	16,750	$47,300
Banca de pequeñas empresas	5,750	$215,600

Tasas de interés competitivas sobre préstamos y depósitos

TC Bancshares ofreció las siguientes tarifas competitivas a partir de enero de 2024:

Producto	Tasa de interés
Cuentas de ahorro personal	3.25%
Verificación de negocios	2.75%
Hipoteca residencial	6.50%
Préstamos para pequeñas empresas	7.25%

Procesamiento de préstamos rápido y eficiente

Las métricas de procesamiento de préstamos del banco para 2023 demostraron eficiencia:

• Tiempo promedio de aprobación del préstamo: 3.2 días hábiles
• Tasa de finalización de la solicitud de préstamo digital: 68%
• Solicitudes de préstamo totales procesadas: 1.850
• Tasa de aprobación del préstamo: 76%

Toma de decisiones locales y servicio centrado en el cliente

TC Bancshares mantuvo un Enfoque de toma de decisiones localizado con el 92% de las decisiones de préstamo tomadas dentro de la misma región que el solicitante.

Soluciones financieras integrales

Desglose de la cartera de productos financieros para 2023:

Categoría de productos	Valor total de la cartera	Número de clientes
Banca personal	$ 412 millones	16,750
Banca de negocios	$ 278 millones	5,750
Servicios de inversión	$ 89 millones	2,350

TC Bancshares, Inc. (TCBC) - Modelo de negocios: relaciones con los clientes

Gestión de la relación bancaria personal

A partir del cuarto trimestre de 2023, TC Bancshares mantiene 12 gerentes de relaciones bancarias personales dedicadas que atienden a aproximadamente 4,500 clientes individuales en su red regional.

Segmento de clientes	Valor de relación promedio	Frecuencia de interacción anual
Individuos de alto patrimonio	$487,000	6-8 consultas personales
Propietarios de pequeñas empresas	$215,000	4-6 revisiones trimestrales
Clientes minoristas estándar	$62,500	2-3 puntos de contacto anuales

Servicio al cliente centrado en la comunidad

TC Bancshares atiende a 3 condados principales con una tasa de participación comunitaria del 68% a través de eventos locales y programas de educación financiera.

• Participación del evento comunitario: 22 eventos en 2023
• Talleres de educación financiera local: 14 sesiones
• Inversión comunitaria total: $ 127,500

Soporte de banca digital y móvil

Métricas de plataforma de banca digital para 2023:

Servicio digital	Tasa de adopción de usuarios	Usuarios activos mensuales
Aplicación de banca móvil	62%	3.780 usuarios
Portal bancario en línea	57%	3.450 usuarios
Depósito de cheque móvil	41%	2.500 usuarios

Servicios de consulta financiera regular

Desglose del servicio de consulta para 2023:

• Consultas totales realizadas: 1.872
• Duración de consulta promedio: 47 minutos
• Tipos de consulta:
  • Planificación de jubilación: 38%
  • Estrategia de inversión: 29%
  • Aviso de préstamos: 22%
  • Planificación patrimonial: 11%

Programas de fidelización y precios basados ​​en relaciones

Estadísticas del programa de fidelización para 2023:

Nivel de lealtad	Recuento de membresía	Beneficios anuales promedio
Nivel de platino	412 miembros	$ 625 en exenciones de tarifas
Nivel de oro	1.087 miembros	$ 275 en exenciones de tarifas
Nivel de plata	2,340 miembros	$ 125 en exenciones de tarifas

TC Bancshares, Inc. (TCBC) - Modelo de negocios: canales

Ubicaciones de sucursales bancarias físicas

A partir de 2024, TC Bancshares opera 12 ubicaciones de sucursales bancarias físicas concentradas en Maryland, específicamente en Baltimore y los condados circundantes.

Tipo de ubicación	Número de ramas	Condados atendidos
Ramas urbanas	7	Ciudad de Baltimore
Ramas suburbanas	5	Condado de Baltimore, condado de Anne Arundel

Plataforma bancaria en línea

La plataforma digital del banco sirve aproximadamente al 85% de su base de clientes, con Volúmenes de transacciones digitales que alcanzan 2,4 millones de transacciones anualmente.

Aplicación de banca móvil

Características de la aplicación móvil de TC Bancshares:

• Monitoreo de cuentas en tiempo real
• Depósito de cheque móvil
• Servicios de pago de facturas
• Transferencias de fondos

Métricas de aplicaciones móviles	2024 datos
Descargas totales de aplicaciones móviles	38,500
Usuarios activos mensuales	22,700

Servicios de banca telefónica

El banco mantiene un centro de llamadas de servicio al cliente que funciona 14 horas al día, Manejo de aproximadamente 12,000 interacciones del cliente mensualmente.

Red de cajeros automáticos

TC BancShares proporciona acceso a 24 cajeros automáticos patentados y participa en una red compartida de 150 cajeros automáticos adicionales en Maryland.

Tipo de cajero automático	Número de máquinas	Volumen de transacción
Cajeros automáticos	24	78,500 transacciones mensuales
ATM de red compartidos	150	42,300 transacciones mensuales

TC Bancshares, Inc. (TCBC) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas en Tennessee

A partir de 2024, TC Bancshares sirve aproximadamente 1,250 empresas pequeñas a medianas en Tennessee. Cartera total de préstamos comerciales para este segmento: $ 187.4 millones.

Segmento de negocios	Número de negocios	Tamaño promedio del préstamo
Negocios minoristas	425	$215,000
Servicios profesionales	375	$248,500
Fabricación	250	$312,000
Cuidado de la salud	200	$276,750

Clientes bancarios individuales locales

Base de clientes de 42,650 titulares de cuentas individuales con depósitos totales de $ 612.3 millones.

• Saldo promedio de la cuenta corriente: $ 7,850
• Saldo promedio de la cuenta de ahorro: $ 15,240
• Tasa de penetración de préstamos personales: 22.5%

Inversores inmobiliarios comerciales

Cartera de préstamos de inversión inmobiliaria: $ 245.6 millones en 183 inversores activos.

Tipo de propiedad	Número de inversores	Valor de inversión total
Desarrollo residencial	62	$ 87.2 millones
Propiedades comerciales	81	$ 124.5 millones
Desarrollos de uso mixto	40	$ 33.9 millones

Proveedores de servicios profesionales

Segmento de clientes de servicio profesional total: 675 clientes con relaciones de banca comercial agregada de $ 94.7 millones.

• Firmas de abogados: 210 clientes
• Prácticas contables: 185 clientes
• Empresas de consultoría: 140 clientes
• Prácticas médicas: 140 clientes

Individuos de alto nivel en los mercados locales

El segmento de cliente de alto nivel de red comprende 425 personas con activos totales bajo una administración de $ 287.6 millones.

Nivel de riqueza	Número de clientes	Valor de cartera promedio
$ 1M - $ 5M	285	$ 2.4 millones
$ 5M - $ 10M	95	$ 6.8 millones
$ 10M+	45	$ 15.2 millones

TC Bancshares, Inc. (TCBC) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del informe anual de 2023, TC Bancshares reportó gastos de operación de sucursales totales de $ 4.2 millones.

Categoría de gastos	Costo anual
Alquiler e instalaciones	$ 1.6 millones
Utilidades	$380,000
Mantenimiento	$420,000
Seguridad de la rama	$310,000

Salarios y beneficios de los empleados

La compensación total de los empleados para 2023 fue de $ 12.7 millones.

• Salarios base: $ 9.3 millones
• Seguro de salud: $ 1.4 millones
• Beneficios de jubilación: $ 1.2 millones
• Bonos de rendimiento: $ 800,000

Mantenimiento de la infraestructura tecnológica

Los costos de infraestructura tecnológica totalizaron $ 3.5 millones en 2023.

Gasto tecnológico	Costo anual
Hardware	$ 1.2 millones
Licencia de software	$850,000
Ciberseguridad	$750,000
Infraestructura de red	$700,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 fueron de $ 2.1 millones.

• Consultoría legal: $ 650,000
• Auditoría e informes: $ 850,000
• Capacitación de cumplimiento: $ 300,000
• Tarifas de presentación regulatoria: $ 300,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 alcanzaron $ 1.8 millones.

Canal de marketing	Gasto anual
Publicidad digital	$650,000
Impresión y medios tradicionales	$450,000
Patrocinios de eventos comunitarios	$350,000
Campañas de adquisición de clientes	$350,000

TC Bancshares, Inc. (TCBC) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, TC Bancshares reportó ingresos por intereses totales de $ 24.3 millones, con el siguiente desglose:

Categoría de préstamo	Ingresos de intereses ($)
Préstamos comerciales	12,450,000
Préstamos hipotecarios residenciales	8,750,000
Préstamos al consumo	3,100,000

Tarifas de préstamos hipotecarios

Las tarifas de préstamos hipotecarios generaron $ 1.75 millones en ingresos para 2023, con la siguiente estructura de tarifas:

• Tarifas de origen: $ 1,250,000
• Tasas de suscripción: $ 350,000
• Tarifas de procesamiento: $ 150,000

Cargos de mantenimiento de la cuenta

Los ingresos de mantenimiento de la cuenta totalizaron $ 2.1 millones en 2023:

Tipo de cuenta	Ingresos de mantenimiento ($)
Cuentas corrientes	1,200,000
Cuentas de ahorro	600,000
Cuentas comerciales	300,000

Servicios de inversión y gestión de patrimonio

Los ingresos de los servicios de inversión alcanzaron $ 3.5 millones en 2023:

• Tarifas de gestión de activos: $ 2,100,000
• Servicios de asesoramiento financiero: $ 850,000
• Servicios de planificación de jubilación: $ 550,000

Tarifas de transacción bancaria digital

Las tarifas de transacción bancaria digital ascendieron a $ 1.25 millones en 2023:

Tipo de transacción	Ingresos de tarifas ($)
Tarifas de transferencia en línea	450,000
Tarifas de banca móvil	350,000
Tarifas de transacción de cajeros automáticos	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.