TC Bancshares, Inc. (TCBC): Business Model Canvas [Jan-2025 Mise à jour]

Niché au cœur du paysage financier du Tennessee, TC Bancshares, Inc. (TCBC) apparaît comme une puissance bancaire régionale dynamique, tirant stratégiquement les liens communautaires locaux et les services financiers innovants. En tirant parti d'une toile de modèle commercial sophistiqué qui priorise les expériences bancaires personnalisées et des plateformes numériques de pointe, TCBC a creusé un créneau unique en servant des entreprises petites à moyennes et des clients individuels avec une agilité remarquable et une approche centrée sur le client. Cette exploration dévoile les mécanismes complexes qui stimulent l'excellence opérationnelle et la stratégie compétitive de TC Bancshares, offrant une vision d'un initié sur la façon dont cette institution financière transforme les paradigmes bancaires traditionnels.

TC Bancshares, Inc. (TCBC) - Modèle commercial: partenariats clés

Busines locales de taille locale au Tennessee

En 2024, TC Bancshares maintient des partenariats stratégiques avec environ 215 petites et moyennes entreprises locales du Tennessee.

Secteur des affaires	Nombre de partenariats	Volume total de prêt
Vente au détail	72	18,4 millions de dollars
Fabrication	53	22,7 millions de dollars
Services professionnels	90	15,6 millions de dollars

Banques communautaires et institutions financières régionales

TC Bancshares collabore avec 12 institutions financières régionales pour les services partagés et l'expansion du réseau.

• Réseaux ATM partagés
• Programmes de prêts inter-régionaux
• Traitement des transactions interbancaires

Promoteurs immobiliers locaux et courtiers hypothécaires

Les partenariats comprennent 47 promoteurs immobiliers locaux avec un portefeuille hypothécaire combiné de 124,3 millions de dollars.

Type de partenariat	Nombre de partenaires	Valeur hypothécaire totale
Développeurs résidentiels	28	87,6 millions de dollars
Immobilier commercial	19	36,7 millions de dollars

Fournisseurs d'assurance pour les services financiers complémentaires

TC Bancshares maintient des partenariats avec 6 fournisseurs d'assurance, offrant des produits de protection financière intégrés.

• Assurance-vie transversale
• Références d'assurance des biens et des victimes
• Services de planification de la retraite

Vendeurs technologiques pour les plateformes bancaires numériques

Les partenariats technologiques comprennent 4 fournisseurs de plateformes bancaires numériques primaires.

Fournisseur	Service fourni	Valeur du contrat annuel
FIS Global	Logiciel bancaire de base	2,1 millions de dollars
Jack Henry & Associés	Solutions bancaires numériques	1,5 million de dollars
Finerv	Traitement des paiements	1,2 million de dollars
Temenos	Plate-forme bancaire cloud	0,9 million de dollars

TC Bancshares, Inc. (TCBC) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et personnels

Au quatrième trimestre 2023, TC Bancshares a déclaré un actif total de 1,23 milliard de dollars et des dépôts totaux de 1,08 milliard de dollars. La banque fournit des services bancaires dans 12 succursales dans sa zone de marché primaire.

Catégorie de service	Volume total (2023)	Valeur de transaction moyenne
Comptes de chèques commerciaux	3 742 comptes	187 500 $ par compte
Comptes de chèques personnels	22 156 comptes	Solde moyen de 4 350 $

Prêts hypothécaires et origine du prêt

En 2023, TC Bancshares a créé 214,6 millions de dollars en volume de prêts total.

• Prêts hypothécaires résidentiels: 127,3 millions de dollars
• Prêts immobiliers commerciaux: 62,4 millions de dollars
• Prêts à la consommation: 24,9 millions de dollars

Gestion des comptes de dépôt et d'investissement

Les dépôts gérés totaux ont atteint 1,08 milliard de dollars en 2023.

Type de compte	Comptes totaux	Valeur gérée totale
Comptes d'épargne	16,890	342,5 millions de dollars
Comptes de marché monétaire	4,213	187,6 millions de dollars
Certificats de dépôt	3,576	214,3 millions de dollars

Développement de la plate-forme bancaire numérique

TC Bancshares a investi 2,3 millions de dollars dans les infrastructures numériques en 2023.

• Utilisateurs de la banque mobile: 28 450
• Transactions bancaires en ligne: 1,4 million par trimestre
• Investissements de sécurité de la plate-forme numérique: 520 000 $

Gestion des risques et services de conseil financier

La banque a maintenu un Ratio de capital de niveau 1 de 12,4% en 2023.

Métrique de gestion des risques	Performance de 2023
Ratio de prêts non performants	1.2%
Réserves de perte de prêt	16,7 millions de dollars
Dépenses totales de gestion des risques	3,6 millions de dollars

TC Bancshares, Inc. (TCBC) - Modèle commercial: Ressources clés

Licences bancaires et infrastructure de conformité réglementaire

En 2024, TC Bancshares est titulaire d'une charte bancaire d'État du Tennessee Department of Financial Institutions. L'infrastructure de conformité réglementaire comprend:

• Certificat FDIC # 55426
• Statut de la société de portefeuille bancaire en vertu des réglementations de la Réserve fédérale
• Personnel de conformité total: 7 professionnels à temps plein

Réseau de succursale physique au Tennessee

Catégorie de localisation	Nombre de branches	Total en pieds carrés
Zones métropolitaines primaires	5 branches	22 500 pieds carrés
Emplacements du marché secondaire	3 branches	11 200 pieds carrés

Équipe de gestion financière expérimentée

Composition de la haute direction:

• Expérience bancaire moyenne: 23 ans
• Membres totaux de l'équipe de direction: 6
• Années cumulatives dans les services financiers: 138 ans

Technologie des banques numériques avancées

Catégorie de technologie	Infrastructure spécifique	Investissement annuel
Système bancaire de base	Plateforme ADN Fiserv	$475,000
Cybersécurité	Systèmes de protection multicouches	$285,000

Solides relations et réputation du marché local

Métriques d'engagement communautaire:

• Partenariats commerciaux locaux: 87
• Commandites des événements communautaires en 2023: 42
• Contributions de bienfaisance locales: 215 000 $

TC Bancshares, Inc. (TCBC) - Modèle d'entreprise: propositions de valeur

Expérience bancaire personnalisée pour les communautés locales

Au quatrième trimestre 2023, TC Bancshares a servi 12 communautés locales dans sa région opérationnelle, avec un total de 7 succursales. La banque a maintenu une clientèle d'environ 22 500 comptes individuels et commerciaux.

Segment communautaire	Nombre de comptes	Valeur moyenne du compte
Banque personnelle	16,750	$47,300
Banque des petites entreprises	5,750	$215,600

Taux d'intérêt concurrentiels sur les prêts et les dépôts

TC Bancshares a offert les tarifs compétitifs suivants en janvier 2024:

Produit	Taux d'intérêt
Comptes d'épargne personnels	3.25%
Vérification des affaires	2.75%
Hypothèque résidentielle	6.50%
Prêts aux petites entreprises	7.25%

Traitement des prêts rapides et efficaces

Les mesures de traitement des prêts de la banque pour 2023 ont démontré une efficacité:

• Temps d'approbation du prêt moyen: 3,2 jours ouvrables
• Taux d'achèvement de la demande de prêt numérique: 68%
• Total des demandes de prêt traitées: 1 850
• Taux d'approbation du prêt: 76%

Prise de décision locale et service axé sur le client

TC Bancshares a maintenu un approche de prise de décision localisée avec 92% des décisions de prêt prises dans la même région que le demandeur.

Solutions financières complètes

Répartition du portefeuille de produits financiers pour 2023:

Catégorie de produits	Valeur totale du portefeuille	Nombre de clients
Banque personnelle	412 millions de dollars	16,750
Banque d'affaires	278 millions de dollars	5,750
Services d'investissement	89 millions de dollars	2,350

TC Bancshares, Inc. (TCBC) - Modèle d'entreprise: relations avec les clients

Gestion des relations bancaires personnelles

Depuis le quatrième trimestre 2023, TC Bancshares maintient 12 gestionnaires de relations bancaires personnelles dédiés desservant environ 4 500 clients individuels à travers son réseau régional.

Segment de clientèle	Valeur de relation moyenne	Fréquence d'interaction annuelle
Individus de valeur nette élevée	$487,000	6-8 consultations personnelles
Propriétaires de petites entreprises	$215,000	4-6 avis trimestriels
Clients de vente au détail standard	$62,500	2-3 points de contact annuels

Service client axé sur la communauté

TC Bancshares dessert 3 comtés primaires avec un taux d'engagement communautaire de 68% par le biais d'événements locaux et de programmes de littératie financière.

• Participation des événements communautaires: 22 événements en 2023
• Ateliers locaux de l'éducation financière: 14 séances
• Investissement total de la communauté: 127 500 $

Prise en charge des banques numériques et mobiles

Métriques de la plate-forme bancaire numérique pour 2023:

Service numérique	Taux d'adoption des utilisateurs	Utilisateurs actifs mensuels
Application bancaire mobile	62%	3 780 utilisateurs
Portail bancaire en ligne	57%	3 450 utilisateurs
Dépôt de chèques mobiles	41%	2 500 utilisateurs

Services de consultation financière réguliers

Répartition des services de consultation pour 2023:

• Consultations totales effectuées: 1 872
• Durée moyenne de la consultation: 47 minutes
• Types de consultation:
  • Planification de la retraite: 38%
  • Stratégie d'investissement: 29%
  • Conseil de prêt: 22%
  • Planification successorale: 11%

Programmes de fidélité et tarification basée sur les relations

Statistiques du programme de fidélité pour 2023:

Niveau de fidélité	Nombre d'adhésion	Avantages annuels moyens
Niveau de platine	412 membres	625 $ de dérogations à des frais
Niveau d'or	1 087 membres	275 $ en dérogation à des frais
Niveau argenté	2 340 membres	125 $ de dérogations à des frais

TC Bancshares, Inc. (TCBC) - Modèle d'entreprise: canaux

Implices de succursales bancaires physiques

En 2024, TC Bancshares exploite 12 établissements de succursales bancaires physiques concentrés dans le Maryland, en particulier dans les comtés de Baltimore et environnants.

Type d'emplacement	Nombre de branches	Les comtés servis
Branches urbaines	7	Baltimore City
Branches de banlieue	5	Comté de Baltimore, comté d'Anne Arundel

Plateforme bancaire en ligne

La plate-forme numérique de la banque dessert environ 85% de sa clientèle, avec Des volumes de transaction numériques atteignant 2,4 millions de transactions par an.

Application bancaire mobile

Caractéristiques de l'application mobile de TC Bancshares:

• Surveillance du compte en temps réel
• Dépôt de chèques mobiles
• Services de paiement de factures
• Transferts de fonds

Métriques d'application mobile	2024 données
Téléchargements totaux d'applications mobiles	38,500
Utilisateurs actifs mensuels	22,700

Services bancaires téléphoniques

La banque maintient un centre d'appels de service client fonctionnant 14 heures par jour, gérer environ 12 000 interactions client tous les mois.

Réseau ATM

TC Bancshares donne accès à 24 machines ATM propriétaires et participe à un réseau partagé de 150 distributeurs automatiques de billets supplémentaires dans le Maryland.

Type de guichet automatique	Nombre de machines	Volume de transaction
MAT propriétaires	24	78 500 transactions mensuelles
ATM du réseau partagé	150	42 300 transactions mensuelles

TC Bancshares, Inc. (TCBC) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises du Tennessee

En 2024, TC Bancshares dessert environ 1 250 petites et moyennes entreprises du Tennessee. Portfolio total de prêts commerciaux pour ce segment: 187,4 millions de dollars.

Segment d'entreprise	Nombre d'entreprises	Taille moyenne du prêt
Commerces de détail	425	$215,000
Services professionnels	375	$248,500
Fabrication	250	$312,000
Soins de santé	200	$276,750

Clients bancaires individuels locaux

Base de clients de 42 650 titulaires de comptes individuels avec des dépôts totaux de 612,3 millions de dollars.

• Solde moyen du compte chèque: 7 850 $
• Solde moyen du compte d'épargne: 15 240 $
• Taux de pénétration des prêts personnels: 22,5%

Investisseurs immobiliers commerciaux

Portefeuille de prêts à investissement immobilier: 245,6 millions de dollars sur 183 investisseurs actifs.

Type de propriété	Nombre d'investisseurs	Valeur d'investissement totale
Développement résidentiel	62	87,2 millions de dollars
Propriétés commerciales	81	124,5 millions de dollars
Développements à usage mixte	40	33,9 millions de dollars

Fournisseurs de services professionnels

Segment de clientèle de services professionnels totaux: 675 clients ayant des relations de banque commerciale agrégées de 94,7 millions de dollars.

• Cabinets d'avocats: 210 clients
• Pratiques comptables: 185 clients
• Sociétés de conseil: 140 clients
• Pratiques médicales: 140 clients

Individus à haute navette sur les marchés locaux

Le segment des clients à forte intensité comprend 425 personnes avec un actif total sous gestion de 287,6 millions de dollars.

Niveau de richesse	Nombre de clients	Valeur de portefeuille moyenne
1 M $ - 5 M $	285	2,4 millions de dollars
5 M $ - 10 M $	95	6,8 millions de dollars
10 M $ +	45	15,2 millions de dollars

TC Bancshares, Inc. (TCBC) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

Depuis le rapport annuel de 2023, TC Bancshares a déclaré des dépenses totales de fonctionnement de la succursale de 4,2 millions de dollars.

Catégorie de dépenses	Coût annuel
Loyer et installations	1,6 million de dollars
Services publics	$380,000
Entretien	$420,000
Sécurité des succursales	$310,000

Salaires et avantages sociaux des employés

La rémunération totale des employés pour 2023 était de 12,7 millions de dollars.

• Salaires de base: 9,3 millions de dollars
• Assurance maladie: 1,4 million de dollars
• Prestations de retraite: 1,2 million de dollars
• Bonus de performance: 800 000 $

Maintenance des infrastructures technologiques

Les coûts d'infrastructure technologique ont totalisé 3,5 millions de dollars en 2023.

Dépenses technologiques	Coût annuel
Matériel informatique	1,2 million de dollars
Licence de logiciel	$850,000
Cybersécurité	$750,000
Infrastructure réseau	$700,000

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 étaient de 2,1 millions de dollars.

• Conseil juridique: 650 000 $
• Audit et rapport: 850 000 $
• Formation en conformité: 300 000 $
• Frais de dépôt réglementaire: 300 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 ont atteint 1,8 million de dollars.

Canal de marketing	Dépenses annuelles
Publicité numérique	$650,000
Impression et médias traditionnels	$450,000
Commanditaires des événements communautaires	$350,000
Campagnes d'acquisition de clients	$350,000

TC Bancshares, Inc. (TCBC) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Pour l'exercice 2023, TC Bancshares a déclaré un revenu total d'intérêts de 24,3 millions de dollars, avec la rupture suivante:

Catégorie de prêt	Revenu des intérêts ($)
Prêts commerciaux	12,450,000
Prêts hypothécaires résidentiels	8,750,000
Prêts à la consommation	3,100,000

Frais de prêt hypothécaire

Les frais de prêt hypothécaire ont généré 1,75 million de dollars de revenus pour 2023, avec la structure des frais suivante:

• Frais d'origine: 1 250 000 $
• Frais de souscription: 350 000 $
• Frais de traitement: 150 000 $

Frais de maintenance du compte

Les revenus de maintenance du compte ont totalisé 2,1 millions de dollars en 2023:

Type de compte	Revenus de maintenance ($)
Comptes chèques	1,200,000
Comptes d'épargne	600,000
Comptes d'entreprise	300,000

Services d'investissement et de gestion de la patrimoine

Les revenus des services d'investissement ont atteint 3,5 millions de dollars en 2023:

• Frais de gestion des actifs: 2 100 000 $
• Services de conseil financier: 850 000 $
• Services de planification de la retraite: 550 000 $

Frais de transaction bancaire numérique

Les frais de transaction bancaire numérique s'élevaient à 1,25 million de dollars en 2023:

Type de transaction	Revenus de frais ($)
Frais de transfert en ligne	450,000
Frais de banque mobile	350,000
Frais de transaction ATM	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.