Alpharetta, GA · Cert 58687 · Touchmark Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #36 of 81 inst. · $0.4B of $255.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | -0.27% | 0.68% | 0.42% | 0.61% | 0.42% | 0.13% | 0.77% | +36 bps | |
| Return on Equity | 11.12% | -2.31% | 5.74% | 3.37% | 4.85% | 3.33% | 1.02% | 6.06% | +268 bps | |
| Net Interest Margin | 2.70% | 2.66% | 2.64% | 1.77% | 2.52% | 2.27% | 2.00% | 2.61% | +84 bps | |
| Efficiency Ratio | 46.56% | 44.81% | 58.68% | 70.66% | 64.24% | 75.10% | 85.07% | 59.33% | -1,133 bps | |
| Non-Interest Burden | 0.85% | 1.10% | 1.49% | 1.09% | 1.58% | 1.67% | 1.68% | 1.42% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.32% | -15.04% | -14.48% | -11.42% | -10.29% | -6.79% | -4.98% | -2.15% | +927 bps | |
| Loan Growth (YoY) | -6.84% | -15.99% | -16.77% | -19.08% | -15.46% | -14.42% | -11.61% | -4.50% | +1,458 bps | |
| Deposit Growth (YoY) | 5.46% | -16.64% | -15.73% | -12.04% | -10.75% | -7.79% | -5.96% | -3.03% | +901 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.62% | 4.26% | 4.45% | 4.67% | 5.01% | 6.10% | 5.23% | 5.07% | +40 bps | |
| Net Charge-Offs / Loans | 0.34% | 4.81% | 0.62% | -0.01% | 0.00% | 0.01% | 0.32% | -0.05% | -5 bps | |
| Allowance / Loans | 1.20% | 0.62% | 0.58% | 0.68% | 0.73% | 0.78% | 0.76% | 0.83% | +15 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.99% | 11.56% | 11.97% | 12.49% | 12.71% | 12.60% | 12.85% | 13.11% | +62 bps | |
| Total Risk-Based Capital | 41.71% | 42.58% | 45.28% | 49.14% | 49.80% | 47.09% | 43.31% | 45.50% | -365 bps | |
| Equity / Assets | 11.99% | 11.55% | 12.18% | 12.46% | 12.90% | 12.52% | 12.76% | 12.76% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.02% | 97.15% | 97.10% | 90.42% | 91.89% | 90.17% | 91.26% | 89.04% | -137 bps | |
| Liquid Assets / Assets | 10.65% | 8.89% | 9.45% | 15.48% | 14.43% | 15.56% | 14.94% | 17.15% | +167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 537% | 545% | 535% | n/a | n/a | |