TC Bancshares, Inc. (TCBC): Modelo de negócios Canvas [Jan-2025 Atualizado]

Aninhado no coração do cenário financeiro do Tennessee, a TC Bancshares, Inc. (TCBC) surge como uma potência bancária regional dinâmica, tecendo estrategicamente conexões da comunidade local e serviços financeiros inovadores. Ao alavancar uma tela sofisticada modelo de negócios que prioriza experiências bancárias personalizadas e plataformas digitais de ponta, a TCBC criou um nicho único em servir pequenos e médios empresas e clientes individuais com agilidade notável e abordagem centrada no cliente. Essa exploração revela os intrincados mecanismos que impulsionam a excelência operacional e a estratégia competitiva da TC Bancshares, oferecendo a visão de um membro sobre como essa instituição financeira transforma os paradigmas bancários tradicionais.

TC Bancshares, Inc. (TCBC) - Modelo de negócios: Parcerias -chave

Pequenas e médias empresas no Tennessee

A partir de 2024, o TC Bancshares mantém parcerias estratégicas com aproximadamente 215 empresas locais pequenas e médias em todo o Tennessee.

Setor de negócios	Número de parcerias	Volume total de empréstimos
Varejo	72	US $ 18,4 milhões
Fabricação	53	US $ 22,7 milhões
Serviços profissionais	90	US $ 15,6 milhões

Bancos comunitários e instituições financeiras regionais

O TC Bancshares colabora com 12 instituições financeiras regionais para serviços compartilhados e expansão de rede.

• Redes de caixas eletrônicos compartilhados
• Programas de empréstimos entre regiões regionais
• Processamento de transações interbancárias

Recomenda -se desenvolvedores imobiliários locais e corretores hipotecários

As parcerias incluem 47 promotores imobiliários locais com um portfólio de hipotecas combinado de US $ 124,3 milhões.

Tipo de parceria	Número de parceiros	Valor total da hipoteca
Desenvolvedores residenciais	28	US $ 87,6 milhões
Imóveis comerciais	19	US $ 36,7 milhões

Provedores de seguros para serviços financeiros complementares

A TC Bancshares mantém parcerias com 6 provedores de seguros, oferecendo produtos de proteção financeira integrados.

• Seguro de vida Marketing
• Referências de seguros de propriedade e vítimas
• Serviços de planejamento de aposentadoria

Fornecedores de tecnologia para plataformas bancárias digitais

As parcerias de tecnologia incluem 4 provedores de plataformas bancárias digitais primárias.

Fornecedor	Serviço prestado	Valor anual do contrato
FIS Global	Software bancário principal	US $ 2,1 milhões
Jack Henry & Associados	Soluções bancárias digitais	US $ 1,5 milhão
Fiserv	Processamento de pagamento	US $ 1,2 milhão
Temenos	Plataforma bancária em nuvem	US $ 0,9 milhão

TC Bancshares, Inc. (TCBC) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

No quarto trimestre 2023, a TC Bancshares registrou ativos totais de US $ 1,23 bilhão e depósitos totais de US $ 1,08 bilhão. O banco fornece serviços bancários em 12 locais de agências em sua área de mercado principal.

Categoria de serviço	Volume total (2023)	Valor médio da transação
Contas de corrente comercial	3.742 contas	US $ 187.500 por conta
Contas de corrente pessoal	22.156 contas	Balanço médio de US $ 4.350

Empréstimos hipotecários e originação de empréstimos

Em 2023, o TC Bancshares originou US $ 214,6 milhões em volume total de empréstimos.

• Empréstimos residenciais de hipoteca: US $ 127,3 milhões
• Empréstimos imobiliários comerciais: US $ 62,4 milhões
• Empréstimos ao consumidor: US $ 24,9 milhões

Gerenciamento de conta de depósito e investimento

O total de depósitos gerenciados atingiram US $ 1,08 bilhão em 2023.

Tipo de conta	Contas totais	Valor total gerenciado
Contas de poupança	16,890	US $ 342,5 milhões
Contas do mercado monetário	4,213	US $ 187,6 milhões
Certificados de depósito	3,576	US $ 214,3 milhões

Desenvolvimento da plataforma bancária digital

A TC Bancshares investiu US $ 2,3 milhões em infraestrutura digital em 2023.

• Usuários bancários móveis: 28.450
• Transações bancárias online: 1,4 milhão por trimestre
• Investimentos de segurança da plataforma digital: US $ 520.000

Gerenciamento de riscos e serviços de consultoria financeira

O banco manteve um Índice de capital de Nível 1 de 12,4% em 2023.

Métrica de gerenciamento de riscos	2023 desempenho
Razão de empréstimos não-desempenho	1.2%
Reservas de perda de empréstimos	US $ 16,7 milhões
Despesas totais de gerenciamento de riscos	US $ 3,6 milhões

TC Bancshares, Inc. (TCBC) - Modelo de negócios: Recursos -chave

Licenças bancárias e infraestrutura de conformidade regulatória

A partir de 2024, a TC Bancshares detém uma carta bancária estadual das instituições financeiras do Departamento de Tennessee. A infraestrutura de conformidade regulatória inclui:

• Certificado FDIC #55426
• Status de holding bancária sob regulamentos do Federal Reserve
• Pessoal total de conformidade: 7 profissionais em tempo integral

Rede de filial física no Tennessee

Categoria de localização	Número de ramificações	Mágua quadrada total
Áreas metropolitanas primárias	5 ramos	22.500 pés quadrados
Locais do mercado secundário	3 ramos	11.200 pés quadrados

Equipe de gestão financeira experiente

Composição de liderança sênior:

• Experiência bancária executiva média: 23 anos
• Total de membros da equipe executiva: 6
• Anos cumulativos em serviços financeiros: 138 anos

Tecnologia Bancária Digital Avançada

Categoria de tecnologia	Infraestrutura específica	Investimento anual
Sistema bancário principal	Plataforma de DNA do Fiserv	$475,000
Segurança cibernética	Sistemas de proteção de várias camadas	$285,000

Relacionamentos e reputação de mercado local fortes

Métricas de engajamento da comunidade:

• Parcerias comerciais locais: 87
• Patrocínio de eventos comunitários em 2023: 42
• Contribuições de caridade locais: US $ 215.000

TC Bancshares, Inc. (TCBC) - Modelo de negócios: proposições de valor

Experiência bancária personalizada para comunidades locais

No quarto trimestre 2023, a TC Bancshares serviu 12 comunidades locais em sua região operacional, com um total de 7 locais de filiais. O banco manteve uma base de clientes de aproximadamente 22.500 contas individuais e comerciais.

Segmento comunitário	Número de contas	Valor médio da conta
Bancos pessoais	16,750	$47,300
Bancos de pequenas empresas	5,750	$215,600

Taxas de juros competitivas em empréstimos e depósitos

A TC Bancshares ofereceu as seguintes taxas competitivas em janeiro de 2024:

Produto	Taxa de juro
Contas de poupança pessoal	3.25%
Verificação de negócios	2.75%
Hipoteca residencial	6.50%
Empréstimos para pequenas empresas	7.25%

Processamento de empréstimo rápido e eficiente

As métricas de processamento de empréstimos do banco para 2023 demonstraram eficiência:

• Tempo médio de aprovação do empréstimo: 3.2 dias úteis
• Taxa de conclusão do pedido de empréstimo digital: 68%
• Pedidos de empréstimo total processados: 1.850
• Taxa de aprovação de empréstimo: 76%

Tomada de decisão local e serviço focado no cliente

TC Bancshares manteve um abordagem de tomada de decisão localizada com 92% das decisões de empréstimo tomadas na mesma região que o requerente.

Soluções financeiras abrangentes

Financeiro de portfólio de produtos financeiros para 2023:

Categoria de produto	Valor total do portfólio	Número de clientes
Bancos pessoais	US $ 412 milhões	16,750
Banking de negócios	US $ 278 milhões	5,750
Serviços de investimento	US $ 89 milhões	2,350

TC Bancshares, Inc. (TCBC) - Modelo de negócios: Relacionamentos do cliente

Gerenciamento de relacionamento bancário pessoal

A partir do quarto trimestre 2023, o TC Bancshares mantém 12 gerentes de relacionamento bancários pessoais dedicados que atendem aproximadamente 4.500 clientes individuais em sua rede regional.

Segmento de clientes	Valor médio do relacionamento	Frequência de interação anual
Indivíduos de alto patrimônio líquido	$487,000	6-8 consultas pessoais
Proprietários de pequenas empresas	$215,000	4-6 Revisões trimestrais
Clientes de varejo padrão	$62,500	2-3 pontos de contato anuais

Atendimento ao cliente focado na comunidade

A TC Bancshares atende a três municípios primários com uma taxa de envolvimento da comunidade de 68% por meio de eventos locais e programas de alfabetização financeira.

• Participação de eventos da comunidade: 22 eventos em 2023
• Oficinas de educação financeira local: 14 sessões
• Investimento Comunitário Total: US $ 127.500

Suporte bancário digital e móvel

Métricas da plataforma bancária digital para 2023:

Serviço digital	Taxa de adoção do usuário	Usuários ativos mensais
Aplicativo bancário móvel	62%	3.780 usuários
Portal bancário online	57%	3.450 usuários
Depósito de cheque móvel	41%	2.500 usuários

Serviços regulares de consulta financeira

Aparecimento do serviço de consulta para 2023:

• Total de consultas realizadas: 1.872
• Duração média da consulta: 47 minutos
• Tipos de consulta:
  • Planejamento da aposentadoria: 38%
  • Estratégia de investimento: 29%
  • Aviso de empréstimo: 22%
  • Planejamento imobiliário: 11%

Programas de fidelidade e preços baseados em relacionamento

Estatísticas do programa de fidelidade para 2023:

Camada de lealdade	Contagem de membros	Benefícios médios anuais
Nível de platina	412 membros	US $ 625 em isenções de taxa
Nível de ouro	1.087 membros	US $ 275 em isenção de taxas
Camada de prata	2.340 membros	US $ 125 em isenção de taxas

TC Bancshares, Inc. (TCBC) - Modelo de Negócios: Canais

Locais da agência bancária física

A partir de 2024, a TC Bancshares opera 12 locais de agências bancárias físicas concentradas em Maryland, especificamente nos condados de Baltimore e vizinhos.

Tipo de localização	Número de ramificações	Condados servidos
Ramos urbanos	7	Cidade de Baltimore
Ramos suburbanos	5	Condado de Baltimore, Anne Arundel County

Plataforma bancária online

A plataforma digital do banco serve aproximadamente 85% de sua base de clientes, com Volumes de transações digitais atingindo 2,4 milhões de transações anualmente.

Aplicativo bancário móvel

Recursos do aplicativo móvel da TC Bancshares:

• Monitoramento de contas em tempo real
• Depósito de cheque móvel
• Serviços de pagamento da conta
• Transferências de fundos

Métricas de aplicativos móveis	2024 dados
Downloads de aplicativos móveis totais	38,500
Usuários ativos mensais	22,700

Serviços bancários telefônicos

O banco mantém um center de atendimento ao cliente operando 14 horas por dia, lidando com aproximadamente 12.000 interações com os clientes mensalmente.

Rede ATM

A TC Bancshares fornece acesso a 24 caixas eletrônicos proprietários e participa de uma rede compartilhada de 150 caixas eletrônicos adicionais em Maryland.

Tipo de atm	Número de máquinas	Volume de transação
Caixas eletrônicos proprietários	24	78.500 transações mensais
Caixas eletrônicos de rede compartilhada	150	42.300 transações mensais

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

Pequenas e médias empresas no Tennessee

A partir de 2024, a TC Bancshares serve aproximadamente 1.250 empresas pequenas e médias em todo o Tennessee. Portfólio total de empréstimos comerciais para este segmento: US $ 187,4 milhões.

Segmento de negócios	Número de negócios	Tamanho médio do empréstimo
Negócios de varejo	425	$215,000
Serviços profissionais	375	$248,500
Fabricação	250	$312,000
Assistência médica	200	$276,750

Clientes bancários individuais locais

Base de clientes de 42.650 titulares de contas individuais com depósitos totais de US $ 612,3 milhões.

• Saldo médio da conta corrente: US $ 7.850
• Saldo médio da conta de poupança: US $ 15.240
• Taxa de penetração de empréstimos pessoais: 22,5%

Investidores imobiliários comerciais

Portfólio de empréstimos para investimentos imobiliários: US $ 245,6 milhões em 183 investidores ativos.

Tipo de propriedade	Número de investidores	Valor total de investimento
Desenvolvimento residencial	62	US $ 87,2 milhões
Propriedades comerciais	81	US $ 124,5 milhões
Desenvolvimentos de uso misto	40	US $ 33,9 milhões

Provedores de serviços profissionais

Segmento de clientes do Serviço Profissional Total: 675 clientes com relacionamentos agregados de negócios bancários de US $ 94,7 milhões.

• Escritórios de advocacia: 210 clientes
• Práticas contábeis: 185 clientes
• Empresas de consultoria: 140 clientes
• Práticas médicas: 140 clientes

Indivíduos de alta rede nos mercados locais

O segmento de clientes de alta rede compreende 425 indivíduos com ativos totais sob gerenciamento de US $ 287,6 milhões.

Nível de riqueza	Número de clientes	Valor médio do portfólio
$ 1m - US $ 5m	285	US $ 2,4 milhões
US $ 5 milhões - US $ 10 milhões	95	US $ 6,8 milhões
US $ 10 milhões+	45	US $ 15,2 milhões

TC Bancshares, Inc. (TCBC) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

Até o relatório anual de 2023, a TC Bancshares registrou despesas totais de operação de filial de US $ 4,2 milhões.

Categoria de despesa	Custo anual
Aluguel e instalações	US $ 1,6 milhão
Utilitários	$380,000
Manutenção	$420,000
Segurança da filial	$310,000

Salários e benefícios dos funcionários

A compensação total dos funcionários em 2023 foi de US $ 12,7 milhões.

• Salários base: US $ 9,3 milhões
• Seguro de Saúde: US $ 1,4 milhão
• Benefícios de aposentadoria: US $ 1,2 milhão
• Bônus de desempenho: US $ 800.000

Manutenção de infraestrutura de tecnologia

Os custos de infraestrutura de tecnologia totalizaram US $ 3,5 milhões em 2023.

Despesa de tecnologia	Custo anual
É hardware	US $ 1,2 milhão
Licenciamento de software	$850,000
Segurança cibernética	$750,000
Infraestrutura de rede	$700,000

Custos de conformidade regulatória

As despesas de conformidade em 2023 foram de US $ 2,1 milhões.

• Consultoria legal: US $ 650.000
• Auditoria e relatórios: US $ 850.000
• Treinamento de conformidade: US $ 300.000
• Taxas de arquivamento regulatório: US $ 300.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 atingiram US $ 1,8 milhão.

Canal de marketing	Gasto anual
Publicidade digital	$650,000
Mídia impressa e tradicional	$450,000
Patrocínio de eventos da comunidade	$350,000
Campanhas de aquisição de clientes	$350,000

TC Bancshares, Inc. (TCBC) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, a TC Bancshares registrou receita total de juros de US $ 24,3 milhões, com a seguinte quebra:

Categoria de empréstimo	Receita de juros ($)
Empréstimos comerciais	12,450,000
Empréstimos hipotecários residenciais	8,750,000
Empréstimos ao consumidor	3,100,000

Taxas de empréstimos hipotecários

As taxas de empréstimos hipotecários geraram US $ 1,75 milhão em receita para 2023, com a seguinte estrutura de taxas:

• Taxas de originação: US $ 1.250.000
• Taxas de subscrição: US $ 350.000
• Taxas de processamento: US $ 150.000

Taxas de manutenção de conta

A receita de manutenção da conta totalizou US $ 2,1 milhões em 2023:

Tipo de conta	Receita de manutenção ($)
Contas de verificação	1,200,000
Contas de poupança	600,000
Contas de negócios	300,000

Serviços de investimento e gerenciamento de patrimônio

A receita dos serviços de investimento atingiu US $ 3,5 milhões em 2023:

• Taxas de gerenciamento de ativos: US $ 2.100.000
• Serviços de Consultoria Financeira: US $ 850.000
• Serviços de planejamento de aposentadoria: US $ 550.000

Taxas de transação bancária digital

As taxas de transação bancária digital totalizaram US $ 1,25 milhão em 2023:

Tipo de transação	Receita de taxa ($)
Taxas de transferência on -line	450,000
Taxas bancárias móveis	350,000
Taxas de transação 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.