PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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