# TOUCHMARK NATIONAL BANK
ALPHARETTA, GA · FDIC certificate 58687 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $416.9M | |
| Deposits | $356.4M | |
| Loans and leases | $317.4M | |
| Total equity | $53.2M | |
| Loans / deposits | 88.31% (p67 of band) | 82.04% |
| Liquid assets / assets | 21.24% (p36 of band) | |
| Uninsured deposits / deposits | 54.99% (p97 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.11% (p80 of band) | 10.81% |
| Unrealized securities loss / equity | -1.59% (p82 of band) | -8.10% |
| AOCI / equity | -0.16% (p62 of band) | |
| ROA (annualized) | 0.45% (p10 of band) | 1.28% |
| Net interest margin | 2.37% (p2 of band) | 3.91% |
| Efficiency ratio | 70.14% (p74 of band) | |
| Noncurrent loans | 5.07% (p98 of band) | 0.43% |
| Net charge-offs (annualized) | 0.10% (p85 of band) | |
| Reserve coverage of noncurrent | 16.34% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 0.25% (p4 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | losing money | noncurrent p90 |
| 2011-09 | 3 | charge-offs p90 | losing money |
| 2011-12 | 2 |  | reserve under noncurrent |
| 2012-03 | 2 | deposits shrinking | charge-offs p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | expense ratio p90, assets shrinking |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 | loans exceed deposits, reserve under noncurrent | expense ratio p90, assets shrinking |
| 2013-12 | 2 |  | deposits shrinking, reserve under noncurrent |
| 2014-03 | 1 | capital falling | wholesale funding >15%, loans exceed deposits |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2016-06 | 2 | loans exceed deposits |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 0 |  | loans exceed deposits |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | loans exceed deposits, wholesale funding >15%, liquid assets <10% | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | wholesale funding >15% |
| 2018-06 | 1 |  | liquid assets <10% |
| 2018-09 | 1 |  |  |
| 2018-12 | 4 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2019-03 | 4 | capital falling | wholesale funding >15% |
| 2019-06 | 4 | noncurrent p90, reserve under noncurrent | loans exceed deposits, capital falling |
| 2019-09 | 4 | loans exceed deposits | brokered >10% |
| 2019-12 | 2 |  | uninsured deposits leaving, noncurrent p90 |
| 2020-03 | 4 | capital falling, noncurrent p90, charge-offs p90 | loans exceed deposits |
| 2020-06 | 3 | loans exceed deposits | reserve under noncurrent, noncurrent p90 |
| 2020-09 | 1 |  | capital falling, charge-offs p90 |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 1 | loans exceed deposits |  |
| 2021-06 | 1 | assets shrinking | loans exceed deposits |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | assets shrinking |
| 2022-03 | 4 | noncurrent p90, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2022-06 | 4 | reserve under noncurrent | charge-offs p90 |
| 2022-09 | 5 | loans exceed deposits |  |
| 2022-12 | 6 | brokered >10%, uninsured deposits leaving | loans exceed deposits |
| 2023-03 | 7 | loans exceed deposits, wholesale funding >15%, capital falling | deposits shrinking, assets shrinking |
| 2023-06 | 8 | liquid assets <10% |  |
| 2023-09 | 6 |  | uninsured deposits leaving, liquid assets <10% |
| 2023-12 | 6 | charge-offs p90 | loans exceed deposits |
| 2024-03 | 6 |  |  |
| 2024-06 | 5 |  | capital falling |
| 2024-09 | 4 |  | wholesale funding >15% |
| 2024-12 | 5 | deposits shrinking, assets shrinking | brokered >10% |
| 2025-03 | 5 |  |  |
| 2025-06 | 6 | NIM <2.5% |  |
| 2025-09 | 5 |  | charge-offs p90 |
| 2025-12 | 5 |  |  |
| 2026-03 | 8 | uninsured deposits >50%, run vulnerability, expense ratio p90, charge-offs p90 | assets shrinking |
| 2026-06 | 4 |  | deposits shrinking, run vulnerability, expense ratio p90, charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-07 [TOUCHMARK BANCSHARES, INC. ANNOUNCES LEADERSHIP CHANGES - PR Newswire](https://news.google.com/rss/articles/CBMirgFBVV95cUxQV2N0dUpaMkkwUGx4eXk0SVhEdXdPYkxoaWk2Vzd3ZXRTSEl0XzhQcjhhT18ybmNuaDNYN2xKNmZfU3hJZ1d1Q29WUEFSTDJsMlc3UlRJaGRvOUp1Vm55U09VLXVYVWZtQ2hoVHNpLWlGS2xUYldUS19aUUZCYjA2UENOeXdRMHRMS2IzdW1BVXgwWmRBMjI4YWFQSXlKb0ZlX1hHZV9ZaHU0SnBYRkE?oc=5) · PR Newswire
- 2026-05-07 [Touchmark Bancshares Names Gina Omolon CFO as Part of Leadership Reshuffle - citybiz](https://news.google.com/rss/articles/CBMiswFBVV95cUxQR2tKM2xUNzZUR0RGUko5RVRtaGR1WFQzXzRJTjgtMGNIUFhMU2t5WmxfZTBrNWlFYTdTV0pCTnVFRmZ3RG5CNWRxSnZ3ZlNJc0VDSEw1TzVaeThCVENnTDZDRml4cU56S1kxa19mOXFveHUweHNXVVBEUDRRejZ6dDF3TFpEUkJMR2xvNjdQLTY0WVh4cU1WNjN1U1BuZGx4WjFST0pBd0JLSHBORFFzQi1WSQ?oc=5) · citybiz
- 2026-07-22 [TOUCHMARK BANCSHARES, INC. REPORTS SECOND QUARTER 2026 RESULTS – Company Announcement - Financial Times](https://news.google.com/rss/articles/CBMimAFBVV95cUxQaTFEUmIwaVpUdW9FVGRMZ05IdEwtVFdJSkZQUDFwT1RfenNRc3ZUc2g2a2E3TkJmLU90RTBKUGg2NnFYU0pvUVA1dEpGRmd0NXNraENxeTdWUmNwN0FBWUdDZm1pTE9aVXFUSng0azU2SGRDUFA3cENGdnhPOC1BRFlzUlU4Ym50c3VjdUNfVnp0a3M4aFY2dw?oc=5) · Financial Times
- 2026-03-18 [OCC Ends Restrictions on 4 Banks - PYMNTS.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcEhZWlRaS19jelVJSlgydzZwV1RhZFN5VGJmVzltTkpDSHFaMG5LQTRONFY2TEdVZHZkeEZkT0pkMVdQd1NaNWtZeC1DT3ZWdWlldi15WDlpaWVxN3Q4eURJZWh6cHZOQUtsMWxicTFULWF5RTFVVnluOHFxWXBSOVZ3UlFYODZ2aGNB?oc=5) · PYMNTS.com
- 2017-06-21 [Delta Community Credit Union Names New Alpharetta Branch Manager - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUWt4eklJMEhFVU9wU2o2czZQVWhHVmw5VUNDMHVqcmhJeHkzZ0NWMUEzektHRnBJTEhaWk1vbEZ2amktMzRDdHBMVFhLQ1NMVjNJWHI0ME5xZ3FVSTlBUzJodkw3QWcwSnBDY0s4MHVteUZjeG5DSFpIUTBLSTJfZVN5ZjY2OGl0SVlUY19WdnhfS0hZdHpUMUlXeGd6cXJBUmNF?oc=5) · Patch
- 2025-07-18 [GA's Best Dog Park Ranks Top 10 In Nation: USA Today - Patch](https://news.google.com/rss/articles/CBMijAFBVV95cUxQeklLTkg5eGhROTRUbVJzcU45SGoyNzNmR2MwMm1YOGs0bHpfeFE0X3pPbG5NTlBVeFpVX2lKUTZ6VG1iSkxqVXY5Ym1wWm9ISEZCRnp1OTZjcWpUUnhoWWhXa3dJOGtCM0JQUDlQMGFyeG5TbUY5dEhNN3R0YnFDWnF5ZTllX0MybHdoNw?oc=5) · Patch
- 2026-09-09 [Multi-Vehicle Crash Disrupts Traffic In Alpharetta - Patch](https://news.google.com/rss/articles/CBMijAFBVV95cUxNbkJNQ1JoRkk0bkRYSU1Hbk1teThjbngwYkVzS2JWNnF4ZzgyTlN3WmtlN205b0g3ckU5Q2IzVGpORkltTXFwQjFWUkNJVVdEU2dhMC1BY2NLcHlCS01uZkM5ZEVoYzVzY00xY2c2UmpvTWgzbWl0eGZjV25kT085V29DTzlhOVY0NzRBM9IBogFBVV95cUxOcVNYVmR5RGZ6T2RMSi1yN19odkM3MzI3VjhHQ3pwa1RlS0c0WkNwU2ZXeHFZYUVySDhHTHpXTGkyV2M3UVFPZHNOa1IzTWhpa1FhaE1HSjRxaVN5TUlQT1F3TjZLN1lSeG01TDhZSV83MmRpX2F3VWswWTBzbUZXNzl0ei04TTJESkhaaEZZNUplaFhDbHpFWXkxZWxDVVVOWnc?oc=5) · Patch
- 2021-05-27 [Memorial Day 2021: What's Open, Closed Around Alpharetta, Milton - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxPSzE2ZTdrVjBSbk5tSWMxRnBIZkYyaWpoMU41WjBvZ1ZhNFZFcTlYa1o1Z3RVeU9ISzNmTWhxZ3FNZzF0dU1adC04YVdNUFVadHhGWkE2X0YwelVxVDZuOHY2anNKZXB4X0tjM1luTTB2WXNqenMxMFljcUdGeTBRY0s0ZlhZcTZPRXlHRE93dXN4TFJVdnA3NldKQm5SZw?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58687 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "58687", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide