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Touchmark National Bank

Alpharetta, GA · Cert 58687 · Touchmark Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

82

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Touchmark National Bank

Alpharetta, GA · Cert 58687 · Touchmark Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$416.9MAssets
$317.4MLoans
$356.4MDeposits
$53.2MEquity
Loan mix
93%RE $299.1M7%C&I $22.2M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $320.1M10%Noninterest $36.3MQ2 2025Q2 2026

NIM

6.73%Q2 ’245.67%Q2 ’254.98%Q2 ’26-11%+3%

Non-interest income vs. expense

1.74%Q2 ’241.67%Q2 ’251.77%Q2 ’26+20%+18%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #36 of 81 inst. · $0.4B of $255.1B

Executive Summary

  • Earnings: ROA of 0.45%, down 10 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 5.07% of loans (+40 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 13.11%, up 62 bps from a year ago.
  • Funding: loans stand at 89.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.31%+6 bps YoY

Efficiency Ratio (YTD, annualized)

70.14%+610 bps YoY

Tier 1 Leverage Ratio

13.11%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.57%0.53%0.13%0.45%-10 bps
Return on Equity4.55%4.65%4.33%1.02%3.54%-101 bps
Net Interest Margin2.25%2.35%2.36%2.00%2.31%+6 bps
Efficiency Ratio64.04%64.11%66.65%85.07%70.14%+610 bps
Non-Interest Burden1.31%1.41%1.49%1.68%1.55%+24 bps
Growth
Asset Growth (YoY)-11.42%-10.29%-6.79%-4.98%-2.15%+927 bps
Loan Growth (YoY)-19.08%-15.46%-14.42%-11.61%-4.50%+1,458 bps
Deposit Growth (YoY)-12.04%-10.75%-7.79%-5.96%-3.03%+901 bps
Asset Quality
Nonperforming Loans / Loans4.67%5.01%6.10%5.23%5.07%+40 bps
Net Charge-Offs / Loans0.34%0.23%0.17%0.32%0.13%-20 bps
Allowance / Loans0.68%0.73%0.78%0.76%0.83%+15 bps
Allowance Coverage of NPLs0.1x0.1x0.1x0.1x0.2x0.0x
Capital
Tier 1 Leverage Ratio12.49%12.71%12.60%12.85%13.11%+62 bps
Total Risk-Based Capital49.14%49.80%47.09%43.31%45.50%-365 bps
Equity / Assets12.46%12.90%12.52%12.76%12.76%+30 bps
Liquidity & Funding
Loans / Deposits90.42%91.89%90.17%91.26%89.04%-137 bps
Liquid Assets / Assets15.48%14.43%15.56%14.94%17.15%+167 bps
CRE / Total Capitaln/a537%545%535%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Touchmark National Bank

Alpharetta, GA · Cert 58687 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Touchmark Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$416.9MAssets
$317.4MLoans
$356.4MDeposits
$53.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 90% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 2 of 20).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 19 of 19).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.45%

Rank 18 of 20

Net Interest Margin

2.31%

Rank 19 of 20

Efficiency Ratio

70.14%

Rank 15 of 20

Equity / Assets

12.76%

Rank 7 of 20

Non-interest income vs. expense

$0.9M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 30% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 70.14%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%1.08%1.42%1.85%Beats 10%18 / 20
Return on Equity3.51%9.57%13.48%17.30%Beats 10%18 / 20
Net Interest Margin2.31%3.38%3.99%4.50%Beats 5%19 / 20
Efficiency Ratio70.14%47.39%61.42%73.60%Beats 30%15 / 20
Asset Quality
Nonperforming Loans / Loans5.07%0.05%0.79%1.63%Beats 5%19 / 19
Net Charge-Offs / Loans0.08%n/a0.00%0.03%Beats 11%18 / 19
Capital
Tier 1 Capital Ratio44.24%13.64%16.79%19.57%Beats 90%2 / 20
Total Risk-Based Capital Ratio45.50%14.77%17.61%20.82%Beats 90%2 / 20
Equity / Assets12.76%9.66%10.94%13.62%Beats 65%7 / 20
Liquidity & Funding
Loans / Deposits89.04%70.35%84.66%95.83%65th pctl7 / 20
Loans / Assets76.13%62.58%72.89%77.86%65th pctl7 / 20
Brokered Deposits / Depositsn/aNot reported for this institution