Touchmark National Bank
Alpharetta, Georgia · FDIC Cert #58687
Touchmark National Bank is an FDIC-insured bank (Certificate #58687) with $481M in total assets and $418M in total deposits as of the Q2 2024 Call Report. Headquartered in Alpharetta, Georgia, the bank maintains a Tier 1 capital ratio of 35.93% (Well-Capitalized) and a nonperforming loan ratio of 5.70%. BankHealthData assigns a composite Health Grade of D (49/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Touchmark National Bank (FDIC cert 58687) is a community bank — $481M in total assets, $418M in deposits, serving the Alpharetta, Georgia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 35.93% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 5.70% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is thin: 11.2% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.34% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Touchmark National Bank carries a composite BankHealth grade of D (49/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Touchmark National Bank
- Total Assets
- $481M
- Total Deposits
- $418M
- Tier 1 Capital Ratio
- 35.93%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 5.70%
- Liquidity Ratio
- 11.21%
- Return on Assets
- 1.34%
- Headquarters
- Alpharetta, Georgia
- FDIC Certificate
- #58687
- Health Grade
- D (49/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Touchmark National Bank holds a Tier 1 capital ratio of 35.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Touchmark National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Touchmark National Bank shows some financial weakness with a Health Score of 49/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Touchmark National Bank Compares
Touchmark National Bank’s Health Score of 49 is 27 points below the Georgia state average of 76 across 123 FDIC-insured banks. Its 35.93% Tier 1 capital ratio is 21.9 points above the US banking industry average near 14%. The 5.70% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.34% is in line with or above the national ROA benchmark of ~1.1%. Among 1466 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Touchmark National Bank is 21 points below the portfolio average of 70.
Frequently Asked Questions
Touchmark National Bank has a Bank Health Score of D (49/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 35.93%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Touchmark National Bank's Tier 1 capital ratio of 35.93% and nonperforming loan ratio of 5.70% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Touchmark National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58687). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Touchmark National Bank holds $481M in total assets and $418M in total deposits. It is headquartered in Alpharetta, Georgia (FDIC Certificate #58687).
Touchmark National Bank has a Tier 1 capital ratio of 35.93%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 5.70%, and the return on assets is 1.34%.
Yes. Touchmark National Bank is FDIC-insured (Certificate #58687). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Touchmark National Bank shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.