Bank Comparison
Village Bank vs Touchmark National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Village Bank | Touchmark National Bank |
|---|---|---|
| CET1 Ratio | 12.34% | 42.05% |
| Tier 1 Capital Ratio | 12.34% | 42.05% |
| Total Capital Ratio | 13.48% | 43.31% |
| Tier 1 Leverage Ratio | 8.78% | 12.85% |
| Equity / Assets | 6.90% | 12.76% |
Profitability
| Metric | Village Bank | Touchmark National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.58% | 0.13% |
| Return on Equity (ROE) | 8.50% | 1.02% |
| Net Interest Margin (NIM) | 3.48% | 2.05% |
| Yield on Earning Assets | 5.05% | 4.85% |
| Cost of Funds | 1.64% | 3.16% |
Asset quality
| Metric | Village Bank | Touchmark National Bank |
|---|---|---|
| Texas Ratio | 15.26% | 41.17% |
| Non-Performing Loan Ratio | 1.62% | 5.23% |
| Non-Performing Asset Ratio | 1.16% | 5.50% |
| Net Charge-Off Ratio | 2.65% | 0.32% |
| ACL / Loans | 1.13% | 0.76% |
Balance sheet
| Metric | Village Bank | Touchmark National Bank |
|---|---|---|
| Total Assets | $410,179K | $410,939K |
| Total Deposits | $346,830K | $351,404K |
| Total Loans | $292,343K | $320,708K |
| Total Equity | $28,294K | $52,442K |
| Net Income (quarter) | $608 | $133 |
Liquidity & funding
| Metric | Village Bank | Touchmark National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.29% | 91.26% |
| Core Deposit Ratio | 96.17% | 72.97% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Village Bank | Touchmark National Bank |
|---|---|---|
| Headquarters City | SAINT FRANCIS | ALPHARETTA |
| Headquarters State | MN | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 24789 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 52 | 25 |
| Established | Jan. 11, 1993, midnight | Jan. 28, 2008, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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