Tamilnad Mercantile
Mid/Small Private · NSE TMB · Market cap ₹14,838
Latest FY FY2026
Loan growth
20.8%
Deposit growth
14.9%
NIM
4.3%
68th pctile
ROA
1.9%
ROE
14.1%
Gross NPA
0.7%
0th pctile
P/B
0.91x
70th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 20.8% | 17.7% | +3.1pp | — |
| Deposit growth | 14.9% | 13.4% | +1.6pp | — |
| CASA | 26.2% | 32.7% | -6.5pp | 0th |
| NIM | 4.3% | 3.6% | +0.7pp | 68th |
| ROA | 1.9% | 1.1% | +0.8pp | — |
| ROE | 14.1% | 12.4% | +1.7pp | — |
| Gross NPA | 0.7% | 1.9% | -1.2pp | 0th |
| Credit cost | 1.1% | 1.3% | -0.2pp | — |
| Cost/income | 39.1% | 55.1% | -16.0pp | — |
| CRAR | 32.3% | 18.9% | +13.4pp | — |
| P/B | 0.91x | 1.07x | -0.2pp | 70th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▼CASA Ratio at 26.16 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Cost To Income Ratio at 39.10 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Cost To Income Ratio -20.4% YoY to 39.10 · abs(yoy)>=15%
- ▼Fresh Slippages - Quarterly +93.1% YoY to 42.56 · abs(yoy)>=15%
- ▲Gross NPA at 0.69 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA -43.4% YoY to 0.69 · abs(yoy)>=15%
- ▲Net NPA at 0.17 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Net NPA -48.5% YoY to 0.17 · abs(yoy)>=15%
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▼Fresh Slippages - Quarterly accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Advances growing +6.7pp vs listed-bank aggregate (share 0.25%, +0.01pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▲Deposits growing +5.0pp vs listed-bank aggregate (share 0.24%, +0.01pp 1Y) · |bank growth - system proxy growth| >= 5pp