# TOUCHSTONE BANK
MC KENNEY, VA · FDIC certificate 6139 · asset band $300M-1B · latest filing 2024-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $660.8M | |
| Deposits | $559.1M | |
| Loans and leases | $492.4M | |
| Total equity | $59.0M | |
| Loans / deposits | 87.17% (p64 of band) | 81.44% |
| Liquid assets / assets | 20.16% (p31 of band) | |
| Uninsured deposits / deposits | 17.12% (p22 of band) | 25.15% |
| Brokered deposits | 0.17% | |
| Wholesale funding | 6.08% (p52 of band) | |
| FHLB advances / assets | 5.90% | |
| Tier 1 leverage | 10.02% (p42 of band) | 10.43% |
| Unrealized securities loss / equity | -15.57% (p41 of band) | -11.42% |
| AOCI / equity | 3.92% (p58 of band) | |
| ROA (annualized) | 0.09% (p6 of band) | 0.95% |
| Net interest margin | 3.51% (p57 of band) | 3.38% |
| Efficiency ratio | 88.85% (p90 of band) | |
| Noncurrent loans | 0.09% (p27 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 1096.92% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 32.82% (p36 of band) | |
| Auto loans | $1.1M (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | charge-offs p90 |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 0 |  | charge-offs p90 |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2015-09 | 1 |  | uninsured deposits leaving |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 2 | capital falling, reserve under noncurrent |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | expense ratio p90 |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | capital falling | expense ratio p90 |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling, expense ratio p90, uninsured deposits leaving |  |
| 2023-09 | 3 | securities losses >30% of equity | expense ratio p90 |
| 2023-12 | 1 |  | uninsured deposits leaving, securities losses >30% of equity |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | expense ratio p90 |  |

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

- 2024-03-27 [Strasburg’s First Bank to buy Central Virginia based Touchstone Bank - wtvr.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPV0J4OUFJd0h5LXRLWURNTlFKbGVZTXRaQ2M4NldCQmlVWl8xMmk3c1B0OGRlLWdMN1lEMkVvTUYyUjRvdEpHTlBQM1llSDVmR1Rxc3dxX3FWcUJYTkl6YWtWZkVJV1BMY2gtYXg1TkF1WkRUYVV3dTBWLW9POUl0aFktNA?oc=5) · wtvr.com
- 2024-10-03 [Locally based Touchstone Bank now part of Strasburg’s First Bank - Richmond BizSense](https://news.google.com/rss/articles/CBMipwFBVV95cUxNblBvcktzMHR1RzBTV2NFMlRBNUdRMzM5RXk4OW9OYVNtYmFoNVBJVGR3aDAzTmVqWnhhUXFRNTRRVXZNSnN0X041Z0FleVEzRFI5ZDFWczJTTGJLSWZ4dm5jT09Qdm1JX2RDSU9saUt2bGwtRHNqSExvenNJakdKN05OY1o0Sm5SLTM1RUtsUk5CSXEzRGlwOGxMZzFSbkoyampjTkFBQQ?oc=5) · Richmond BizSense
- 2024-10-01 [First National Corporation Completes Acquisition of Touchstone Bankshares, Inc. - Yahoo Finance](https://news.google.com/rss/articles/CBMimgFBVV95cUxNR2ZxMnRLZ3NkUlAyd1lUSjJ3UTJYQ0FEWEhBS1RUZ3lrZUo2Qmw2LVNUMnAxTm56dVZZakRJaXJlUVdpaVUtSFpwQ1NNbE5ha3VsOGUwUWo4eTVjZmdRcjNKSDdvbTg5TjMyelBzc0xjeXlzRjRnV0pyNlN4dDNYQS1pTTFlbTZJbHZiTTRsdDRVSTFaYzVEQlVn?oc=5) · Yahoo Finance
- 2024-03-26 [Virginia banks merging in $47 million deal - American Banker](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZEtvcE9KNEMwQXdRd1o2aGlSOUtINkM4VGdxN19TdmlFekN0TUlzT01Lb0FUV0c1eTJ4dUQ3Slc2X1VvU2dHLWhtTzYyNHYyWkUzV0lpcmx0LVhETGNkaTRfczFRcV9wOV8wYkpkaWd1ak1uLUFnU2pqakI0aU5RRVdfSQ?oc=5) · American Banker
- 2022-07-18 [Touchstone Bank Appoints Shauna Robertson as Human Resources Director - citybiz](https://news.google.com/rss/articles/CBMirAFBVV95cUxQaWVqTC1jUzZ5TEN2bzRFME9vSERrWXFTTkRwV1pNR0NLSElYQ1RaUVNpckNQT1BMaF90a0RFaE1UMmFuNS1xSk5LalRWMXVXOU9NNDdZM09ndjN4bkR4SzY0WXdveERCZk54ZmpmeG1GNWxNTjlCNjI1aTBmazk4cmxuOHJySFg3NEFXMENvX19vWW9JYnpqeFpxdlJZQTdNTlQ3cnlabXFxZ20y?oc=5) · citybiz
- 2023-12-06 [Boydton to go without bank after 150 years - SoVaNOW](https://news.google.com/rss/articles/CBMiggFBVV95cUxQbWZINDVNQnk1cFVVaW9lOXBlcGRxTXJuNjNCQnF3SFRJZ0xVSzZiemxURVRsdHBPWTdJa2ZzNy1yMjYxeHRRLVAzYVJBcGU0enR3bXZNTUx6RkhqT3RWZ2FxclBzQVJGU1Fuby00LUo3MFpfUVhRajRwem83Q1hvSGpB?oc=5) · SoVaNOW
- 2023-09-10 [Touchstone Bankshares and Touchstone Bank Promote Shauna Robertson to EVP - citybiz](https://news.google.com/rss/articles/CBMisgFBVV95cUxOQjFMY1FkbmF3cWdxSUZSbjdSelFOQVhLV2JiVjF4M3I1Y0VfY3hYN2p3aERHNGx4eFFHNWh0V0NRaXloZzdIRlltUy1McklKbHdBejZmVS1ka3pHMHJJYi1ZNEpGSkROQnRWV3JTcWlHWHlfYUh5Vl83eUlERzk0NzNJc1lvWEZoUDZSOWsxWGE1RkVZSXE4MXZVM0VTNVFwTjg4SVV2T0dpd2w0NlpFa1V3?oc=5) · citybiz
- 2023-05-31 [Suspect identified in Touchstone Bank robbery - SoVaNOW](https://news.google.com/rss/articles/CBMihgFBVV95cUxPM0pYUHA3a3BFTzV3eFF5TG9mbVJURVRPZWVWWEJLRmFISkNyc1I0dE04bE9rTE1maktETFZxUjRibzNueUlHT29ac0lfR1BDMEFEUUlMLUprcXJCNkJ5ZHdPUVloU2pUQ1d4djQwaG5XbEp5ZFJ5SXpqSWFqNk5VQ2FMNTVWQQ?oc=5) · SoVaNOW

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6139 (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/59.json (key "6139", 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