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

Unfavorable gap of $6.4M · efficiency ratio beats 30% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.45%	1.08%	1.42%	1.85%	Beats 10%	18 / 20
Return on Equity	3.51%	9.57%	13.48%	17.30%	Beats 10%	18 / 20
Net Interest Margin	2.31%	3.38%	3.99%	4.50%	Beats 5%	19 / 20
Efficiency Ratio	70.14%	47.39%	61.42%	73.60%	Beats 30%	15 / 20
Asset Quality
Nonperforming Loans / Loans	5.07%	0.05%	0.79%	1.63%	Beats 5%	19 / 19
Net Charge-Offs / Loans	0.08%	n/a	0.00%	0.03%	Beats 11%	18 / 19
Capital
Tier 1 Capital Ratio	44.24%	13.64%	16.79%	19.57%	Beats 90%	2 / 20
Total Risk-Based Capital Ratio	45.50%	14.77%	17.61%	20.82%	Beats 90%	2 / 20
Equity / Assets	12.76%	9.66%	10.94%	13.62%	Beats 65%	7 / 20
Liquidity & Funding
Loans / Deposits	89.04%	70.35%	84.66%	95.83%	65th pctl	7 / 20
Loans / Assets	76.13%	62.58%	72.89%	77.86%	65th pctl	7 / 20
Brokered Deposits / Deposits	n/a	Not reported for this institution