BlastPoint's Banking Scorecard
Touchmark National Bank
Designations: ✓ Minority Depository Institution
Alpharetta, GA
Touchmark National Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.1% in tier
- - Efficiency Drag: Bottom 3.6% in tier
- - Liquidity Overhang: Bottom 4.1% in tier
- - Deposit Outflow: Bottom 41.7% in tier
- - Capital Constraint: Bottom 86.1% in tier
- - Return on Assets 1.14% below tier average
- - Net Interest Margin 1.86% below tier average
- - Delinquency Rate 4.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$410.9M
-5.0% YoY
-1.8% QoQ
|
+$24.9M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$318.3M
-11.8% YoY
-1.2% QoQ
|
+$62.6M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$351.4M
-6.0% YoY
-2.4% QoQ
|
+$23.4M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
0.13%
-81.2% YoY
-75.9% QoQ
|
-1.14% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.2% in tier |
| Net Interest Margin ? |
2.07%
-25.2% YoY
-13.8% QoQ
|
-1.86% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio ? |
85.07%
+45.0% YoY
+27.6% QoQ
|
+19.79% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate ? |
5.27%
+17.6% YoY
-14.4% QoQ
|
+4.38% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.9% in tier |
| Loan-to-Deposit Ratio ? |
90.57%
-6.2% YoY
+1.2% QoQ
|
+13.93% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
10.26%
+15.3% YoY
-5.6% QoQ
|
-11.76% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.4% in tier |
| Nonperforming Asset Ratio ? |
5.50%
+3.2% YoY
-10.3% QoQ
|
+4.86% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.8% in tier |
| Tier 1 Capital Ratio ? |
42.05%
-4.5% YoY
-8.2% QoQ
|
+26.22% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 1.4% in tier |
| Non-Interest Income / Assets ? |
0.03%
-24.6% YoY
-88.5% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.2% in tier |
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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 (0)
Concerns (5)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.