I disagree TCB is mismanaged. However, they are in a very competetive market and had made their way with home equity credit and free checking. I see they have brought back free checking but home equity is dead and will be difficult to replace. They need a blockbuster loan product which will set them apart from the competetion. I would look into reverse mortgages. With the retirement plans of many people not performing as desired there is going to be a huge need for reverse mortgages. A great deal od education and marketing will be required but there may be gold in those hills.