| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.4% | -6.5 pts |
| Deposit growth (YoY) | -3.0% | +4.0% | -7.0 pts |
| Loan growth (YoY) | -4.7% | +5.6% | -10.2 pts |
| ROA | 0.45% | 1.24% | -0.8 pts |
| ROE | 3.5% | 11.9% | -8.3 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $416.9M | $356.4M | $314.7M | $53.2M | $933K | 0.45% | 2.37% | 5.26% |
| Q1 2026 | $410.9M | $351.4M | $318.3M | $52.4M | $133K | 0.13% | 2.07% | 5.50% |
| Q4 2025 | $418.4M | $360.1M | $322.2M | $52.4M | $2.3M | 0.53% | 2.40% | 6.13% |
| Q3 2025 | $417.8M | $358.5M | $327.0M | $53.9M | $1.8M | 0.57% | 2.42% | 5.34% |
| Q2 2025 | $426.1M | $367.6M | $330.1M | $53.1M | $1.2M | 0.55% | 2.31% | 5.26% |
| Q1 2025 | $432.5M | $373.7M | $360.7M | $52.7M | $750K | 0.68% | 2.77% | 5.33% |
| Q4 2024 | $448.8M | $390.5M | $377.1M | $51.8M | $3.8M | 0.78% | 2.66% | 5.13% |
| Q3 2024 | $465.8M | $401.7M | $385.0M | $55.8M | $4.1M | 1.10% | 2.63% | 5.95% |
Loan mix (Q2 2026): real estate $298.0M · commercial $19.9M · consumer $0 · securities $11.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Touchmark National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 62.9% | 69th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Touchmark National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Touchmark National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Touchmark National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Touchmark National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Touchmark National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $367.6M branch deposits. Biggest market: Fulton, GA, ranked 23rd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fulton, GA | 1 | $367.6M | 0.28% | 23rd |
Georgia: 86th with 0.10% · Atlanta-Sandy Springs-Roswell metro: 48th, 0.14% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1