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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

6.33%Q2 ’245.03%Q2 ’255.23%Q2 ’26-23%+47%

Non-interest income vs. expense

1.83%Q2 ’241.65%Q2 ’251.74%Q2 ’26+15%+31%

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 0.77%, up 36 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 5.07% of loans (+40 bps YoY), with net recoveries of 0.05%.
  • 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 (quarter, annualized)

0.77%+36 bps YoY

Net Interest Margin (quarter, annualized)

2.61%+84 bps YoY

Efficiency Ratio (quarter, annualized)

59.33%-1,133 bps YoY

Tier 1 Leverage Ratio

13.11%+62 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.61%0.42%0.13%0.77%+36 bps
Return on Equity3.37%4.85%3.33%1.02%6.06%+268 bps
Net Interest Margin1.77%2.52%2.27%2.00%2.61%+84 bps
Efficiency Ratio70.66%64.24%75.10%85.07%59.33%-1,133 bps
Non-Interest Burden1.09%1.58%1.67%1.68%1.42%+33 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 / Loans-0.01%0.00%0.01%0.32%-0.05%-5 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