Touchmark National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 11.70 percentage points in Q2 2026, from 391.04% to 379.34%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Touchmark National Bank is 26th of 122 on loan-to-deposit ratio, 89.04% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Touchmark National Bank sits 8.21 points higher, at 89.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $317.4M |
| Net loans and leases | $314.7M |
| Loans held for sale | $0 |
| Loans to total assets | 76.13% |
| Loan-to-deposit ratio | 89.04% |
| Net loans to equity capital | 5.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 88.86% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.25% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 3.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 379.34% |
| Construction concentration (Tier 1 capital + allowance) | 0.23% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.96% |
| Interest income on loans | $4.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $418.3M | $380.9M | 88.97% | 7.09% | 0.00% |
| Q4 2023 | $451.6M | $468.5M | 90.27% | 5.98% | 0.00% |
| Q1 2024 | $435.9M | $443.4M | 89.99% | 6.10% | 0.00% |
| Q2 2024 | $410.7M | $417.9M | 90.91% | 6.27% | 0.00% |
| Q3 2024 | $389.7M | $401.7M | 91.80% | 6.48% | 0.00% |
| Q4 2024 | $379.4M | $390.5M | 93.15% | 5.77% | 0.00% |
| Q1 2025 | $362.8M | $373.7M | 93.68% | 5.52% | 0.00% |
| Q2 2025 | $332.3M | $367.6M | 88.82% | 7.21% | 0.00% |
| Q3 2025 | $329.4M | $358.5M | 88.56% | 7.39% | 0.00% |
| Q4 2025 | $324.7M | $360.1M | 88.52% | 6.96% | 0.00% |
| Q1 2026 | $320.7M | $351.4M | 88.24% | 6.91% | 0.00% |
| Q2 2026 | $317.4M | $356.4M | 88.86% | 6.25% | 0.00% |
Touchmark National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Touchmark National Bank, freeSource: Call Report Schedule RC-C, 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)