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Touchmark National Bank

$100M-$1B Specialty: Commercial GA FDIC cert 58687

Designations: ✓ Minority Depository Institution

Alpharetta, GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits -3.0% year over year ($356.4M on the books).
  • Delinquency rate 5.11%.
  • Return on assets 0.45%.
  • Efficiency ratio 70.14% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.31% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

Touchmark National Bank faces 8 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.3% in tier
  • - Deposit Outflow: Bottom 40.2% in tier
  • - Capital Constraint: Bottom 86.9% in tier
  • - Net Interest Margin 1.61% below tier average
  • - Delinquency Rate 4.19% above tier average
  • - Nonperforming Asset Ratio 4.59% above tier average
  • - ROA 0.87% below tier average
  • - Efficiency Ratio 5.66% above tier average
Get updates when Touchmark National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $416.9M
-2.2% YoY +1.5% QoQ
+$30.3M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $314.7M
-4.6% YoY -1.1% QoQ
+$56.4M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $356.4M
-3.0% YoY +1.4% QoQ
+$29.7M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
64%
Return on Assets ? 0.45%
-18.2% YoY +250.1% QoQ
-0.87% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Bottom 10.9% in tier
Net Interest Margin ? 2.37%
+2.8% YoY +14.6% QoQ
-1.61% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Bottom 2.2% in tier
Efficiency Ratio ? 70.14%
+9.5% YoY -17.6% QoQ
+5.66% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 5.11%
+8.7% YoY -3.0% QoQ
+4.19% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
Bottom 2.5% in tier
Loan-to-Deposit Ratio ? 88.31%
-1.7% YoY -2.5% QoQ
+10.35% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 10.20%
+0.6% YoY -0.6% QoQ
-11.83% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Bottom 11.0% in tier
Nonperforming Asset Ratio ? 5.26%
-0.1% YoY -4.4% QoQ
+4.59% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Bottom 0.9% in tier
Tier 1 Capital Ratio ? 44.24%
-7.6% YoY +5.2% QoQ
+28.33% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 1.2% in tier
Non-Interest Income / Assets ? 0.11%
-40.8% YoY +277.3% QoQ
-0.46% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 10.2%
+0.1pp YoY
-0.1pp QoQ
 -12.0pp 22.1% 26.2% 22.2% 10%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 6.3%
-1.0pp YoY
-0.7pp QoQ
 -5.2pp 11.6% 9.7% 12.5% 28%
CRE n/a n/a 39.5% 48.9% 41.4% n/a
1-4 Family 1.5%
+0.9pp YoY
+0.1pp QoQ
 -31.1pp 32.6% 31.7% 31.3% 2%
Consumer n/a n/a 4.1% 4.8% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 44.2%
-3.6pp YoY
+2.2pp QoQ
 +25.4pp 18.8% 20.9% 19.7% 98%
Leverage Ratio 13.1%
+0.6pp YoY
+0.3pp QoQ
 +0.9pp 12.2% 14.0% 12.6% 76%
Total Capital Ratio 45.5%
-3.6pp YoY
+2.2pp QoQ
 +25.6pp 19.9% 22.1% 20.8% 98%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 28
+6 (+27.3%) YoY
+3 (+12.0%) QoQ
 -31 58 98 482 24%
Assets per Employee ($) $14.9M
-23.1% YoY
-9.4% QoQ
 +$7.4M $7.5M $7.5M $8.8M 97%
Branch Count 1
0 YoY
0 QoQ
 -4 4 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 5.1%
+0.4pp YoY
-0.2pp QoQ
 +4.2pp 0.9% 0.8% 1.0% 98%
Allowance Coverage 0.16x
+12.8% YoY
+12.5% QoQ
 -23.99x 24.15x 38.10x 20.23x 1%
Net Charge-off Rate (YTD) 0.1%
-0.2pp YoY
-0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 3.5%
-1.0pp YoY
+2.5pp QoQ
 -8.7pp 12.2% 13.6% 11.6% 9%
Cost of Funds (YTD) 2.7%
-0.8pp YoY
-0.1pp QoQ
 +1.0pp 1.7% 1.6% 1.7% 95%
Net Income ($, YTD) $933,000
-22.0% YoY
— QoQ
 -$1.6M $2.6M $6.6M $40.4M 25%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Overhang

risk
#40 of 742 • Bottom 5.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 44.24%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 88.31%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#216 of 535 • Bottom 40.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Capital Constraint

risk
#94 of 107 • Bottom 86.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 88.31%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 44.24%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

33
Tier 1 Capital Ratio
capital
Value: 44.24%
Peer Median: 15.91%
#33 of 2643 Top 1.2% in $100M-$1B

Top Weaknesses (6 metrics)

2620
Nonperforming Asset Ratio
credit_quality
Value: 5.26%
Peer Median: 0.67%
#2620 of 2643 Bottom 0.9% in $100M-$1B
2585
Net Interest Margin
profitability
Value: 2.37%
Peer Median: 3.99%
#2585 of 2643 Bottom 2.2% in $100M-$1B
2568
Delinquency Rate
credit_quality
Value: 5.11%
Peer Median: 0.92%
#2568 of 2633 Bottom 2.5% in $100M-$1B
2356
Return on Assets
profitability
Value: 0.45%
Peer Median: 1.32%
#2356 of 2643 Bottom 10.9% in $100M-$1B
2353
Non-Interest-Bearing Deposit Share
funding
Value: 10.20%
Peer Median: 22.03%
#2353 of 2643 Bottom 11.0% in $100M-$1B
2106
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2106 of 2643 Bottom 20.4% in $100M-$1B
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