Touchmark National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Non-performing loans to loans climbed 1.46 percentage points in Q2 2026, from 5.23% to 6.69%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Touchmark National Bank is 105th of 121 on return on assets, 0.78% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Touchmark National Bank sits 0.47 points lower, at 0.78% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 44.24% |
| Tier 1 risk-based capital ratio | 44.24% |
| Total risk-based capital ratio | 45.50% |
| Tier 1 leverage ratio | 13.11% |
| Equity capital to assets | 12.76% |
| Tangible equity to tangible assets | 12.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.69% |
| Non-performing assets ratio | 6.49% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 48.47% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 12.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 6.06% |
| Net interest margin | 2.75% |
| Efficiency ratio | 59.33% |
| Yield on earning assets | 5.51% |
| Cost of funds | 3.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.04% |
| Core deposits to total deposits | 75.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.49% |
| Securities to assets | 2.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 32.26% | 32.26% | 33.54% | 12.87% | 2.54% |
| Q4 2023 | 30.40% | 30.40% | 31.67% | 10.38% | 1.68% |
| Q1 2024 | 32.93% | 32.93% | 34.20% | 10.18% | 1.09% |
| Q2 2024 | 35.93% | 35.93% | 37.21% | 11.08% | 0.91% |
| Q3 2024 | 40.43% | 40.43% | 41.71% | 11.99% | 1.30% |
| Q4 2024 | 41.33% | 41.33% | 42.58% | 11.56% | -0.27% |
| Q1 2025 | 44.03% | 44.03% | 45.28% | 11.97% | 0.67% |
| Q2 2025 | 47.89% | 47.89% | 49.14% | 12.49% | 0.41% |
| Q3 2025 | 48.54% | 48.54% | 49.80% | 12.71% | 0.61% |
| Q4 2025 | 45.82% | 45.82% | 47.09% | 12.60% | 0.42% |
| Q1 2026 | 42.05% | 42.05% | 43.31% | 12.85% | 0.13% |
| Q2 2026 | 44.24% | 44.24% | 45.50% | 13.11% | 0.78% |
Touchmark National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Touchmark National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)