Touchmark National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Total risk-based capital ratio climbed 2.19 percentage points in Q2 2026, from 43.31% to 45.50%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Touchmark National Bank ranks 3rd highest among the 79 banks headquartered in Georgia, at 44.24% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Touchmark National Bank reported 44.24% on CET1 ratio in Q2 2026, 29.17 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 44.24% |
| Tier 1 risk-based capital ratio | 44.24% |
| Total risk-based capital ratio | 45.50% |
| Tier 1 leverage ratio | 13.11% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $53.8M |
| Tier 1 capital | $53.8M |
| Total risk-based capital | $55.4M |
| Total equity capital | $53.2M |
| Risk-weighted assets | $121.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.76% |
| Tangible equity to tangible assets | 12.76% |
| Equity capital to average assets | 12.96% |
| Internal capital growth rate | 6.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $18.1M |
| Common stock surplus | $24.8M |
| Retained earnings | $11.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$633K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 32.26% | 32.26% | 33.54% | 12.87% | $177.2M |
| Q4 2023 | 30.40% | 30.40% | 31.67% | 10.38% | $172.0M |
| Q1 2024 | 32.93% | 32.93% | 34.20% | 10.18% | $163.1M |
| Q2 2024 | 35.93% | 35.93% | 37.21% | 11.08% | $152.7M |
| Q3 2024 | 40.43% | 40.43% | 41.71% | 11.99% | $139.5M |
| Q4 2024 | 41.33% | 41.33% | 42.58% | 11.56% | $127.2M |
| Q1 2025 | 44.03% | 44.03% | 45.28% | 11.97% | $121.1M |
| Q2 2025 | 47.89% | 47.89% | 49.14% | 12.49% | $112.3M |
| Q3 2025 | 48.54% | 48.54% | 49.80% | 12.71% | $112.1M |
| Q4 2025 | 45.82% | 45.82% | 47.09% | 12.60% | $115.4M |
| Q1 2026 | 42.05% | 42.05% | 43.31% | 12.85% | $126.1M |
| Q2 2026 | 44.24% | 44.24% | 45.50% | 13.11% | $121.7M |
Touchmark National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Touchmark National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Touchmark National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58687) · FFIEC NIC profile (RSSD 3645840)