Touchmark National Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin climbed 0.70 percentage points in Q2 2026, from 2.05% to 2.75%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Touchmark National Bank is 5th from the bottom among 121 Georgia banks, 2.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Touchmark National Bank sits 1.20 points lower, at 2.75% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | 5.96% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.07% |
| Cost of interest-bearing deposits | 3.38% |
| Cost of interest-bearing liabilities | 3.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.75% |
| Yield to cost spread | 2.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 7.12% | 4.04% | 3.61% | 7.44% | 2.59% |
| Q4 2023 | 7.18% | 4.50% | 3.18% | 7.52% | 2.58% |
| Q1 2024 | 6.80% | 4.61% | 2.65% | 7.14% | 2.63% |
| Q2 2024 | 6.45% | 4.62% | 2.35% | 6.67% | 2.69% |
| Q3 2024 | 6.82% | 4.65% | 2.75% | 7.13% | 2.75% |
| Q4 2024 | 6.58% | 4.37% | 2.72% | 6.88% | 3.04% |
| Q1 2025 | 6.26% | 3.98% | 2.71% | 6.60% | 2.97% |
| Q2 2025 | 5.16% | 3.77% | 1.82% | 5.34% | 3.07% |
| Q3 2025 | 5.82% | 3.66% | 2.58% | 6.25% | 3.16% |
| Q4 2025 | 5.35% | 3.43% | 2.33% | 5.71% | 3.21% |
| Q1 2026 | 4.85% | 3.17% | 2.05% | 5.16% | 2.91% |
| Q2 2026 | 5.51% | 3.07% | 2.75% | 5.96% | 3.05% |
Touchmark National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Touchmark National Bank, freeSource: Call Report Schedules RI and RC-K, 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)