TC Bancshares is the holding company for TC Federal Bank, a community bank headquartered in Thomasville, Georgia. The bank takes deposits from individuals and small businesses and uses those deposits to fund loans, primarily real estate loans, across four markets: Thomasville, Georgia (its home market), Tallahassee, Florida, Jacksonville, Florida, and Savannah, Georgia. Real estate loans make up roughly 95% of the total loan portfolio, split across residential (1-4 family, ~39% of loans), commercial real estate (~33%), construction and land development (~15%), and multi-family (~5%). The remaining portfolio includes C&I loans (~4.5%) and a small consumer book. The bank also originates residential mortgages for sale into the secondary market, retaining fee income without holding the loans on its balance sheet. TC Federal Bank earns most of its revenue through net interest income — the spread between interest earned on loans and investments and interest paid on deposits and borrowings, supplemented by FHLB advances. Management has been deliberately shifting the loan mix toward commercial real estate and C&I loans, which carry higher yields than residential mortgages. The bank's geographic expansion into larger Florida and Georgia markets is a deliberate growth strategy, though TC Federal Bank holds minimal share in those newer markets, making it essentially a de novo competitor in each.