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Overview / Commentary
3651 Old Milton Parkway
Alpharetta, GA 30005

Touchmark National Bank is headquartered in Alpharetta and is the 119st largest bank in the state of Georgia. It is also the 4,058th largest bank in the nation. It was established in 2008 and as of December of 2013, it had grown to 21 employees at 1 location. Touchmark National Bank's money market rates are 36% higher than the national average, and it has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Touchmark National Bank had $3.02 million in non-current loans and owned real-estate with $27.95 million in equity and loan loss allowances on hand to cover it. This gives Touchmark National Bank a Texas Ratio of 10.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Touchmark National Bank decreased slightly from 15.33% as of December 31, 2012 to 10.82% as of December 31, 2013, resulting in a positive change of 29.41%.This indicates that the balance sheet and financial strength for Touchmark National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Touchmark National Bank has decreased its total deposits by $-47,000, resulting in -0.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Touchmark National Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Touchmark National Bank has $131.09 million in assets with $27.95 million in equity, resulting in a capitalization level of 21.32%, which is excellent.

Institution Statistics

FDIC Certificate #58687
Year Established2008
Primary RegulatorOCC
Assets and Liabilities
Assets$131.09 million
Loans$92.68 million
Deposits$81.36 million
Equity Capital$26.68 million
Loan Loss Allowance$1.26 million
Unbacked Noncurrent Loans$1.07 million
Real Estate Owned$1.96 million
Historic Data - December 2012
Assets$126.44 million
Equity Capital$26.93 million
Loan Loss Allowance$1.79 million
Unbacked Noncurrent Loans$1.07 million
Real Estate Owned$3.86 million
Profit Margin - Quarterly
Net Interest Margin3.83%
Return on Assets0.36%
Return on Equity1.67%
Interest Income$4.98 million

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Touchmark National Bank Savings Account Rates

0.30%$100-Personal Savings
0.30%$100-Business Savings

Touchmark National Bank Money Market Rates

0.60%$250k-Business Money Market
0.55%$250k-Personal Money Market

Touchmark National Bank Checking Account Rates

0.25%$25k-Gold Checking
0.05%$2,500-Business Interest Checking

Touchmark National Bank CD Rates

1.55%$100k-60 Month Jumbo CD
1.55%$100k-Business 60 Month Jumbo CD
1.50%$1k-60 Month CD
1.50%$1k-Business 60 Month CD
1.40%$100k-48 Month Jumbo CD
1.40%$100k-Business 48 Month Jumbo CD
1.35%$1k-48 Month CD
1.35%$1k-Business 48 Month CD
1.30%$100k-36 Month Jumbo CD
1.30%$100k-Business 36 Month Jumbo CD
1.25%$1k-36 Month CD
1.25%$1k-Business 36 Month CD
1.15%$100k-24 Month Jumbo CD
1.15%$100k-Business 24 Month Jumbo CD
1.10%$1k-24 Month CD
1.10%$1k-Business 24 Month CD
1.05%$100k-18 Month Jumbo CD
1.05%$100k-Business 18 Month Jumbo CD
1.00%$1k-18 Month CD
1.00%$100k-12 Month Jumbo CD
1.00%$100k-Business 12 Month Jumbo CD
1.00%$1k-Business 18 Month CD
0.95%$1k-12 Month CD
0.95%$1k-Business 12 Month CD
0.60%$100k-6 Month Jumbo CD
0.60%$100k-Business 6 Month Jumbo CD
0.55%$1k-6 Month CD
0.55%$1k-Business 6 Month CD
0.40%$100k-3 Month Jumbo CD
0.40%$100k-Business 3 Month Jumbo CD
0.35%$1k-3 Month CD
0.35%$1k-Business 3 Month CD
0.15%$1k-7 - 89 Day CD
0.15%$100k-7 - 89 Day Jumbo CD
0.15%$1k-Business 7 - 89 Day CD
0.15%$100k-Business 7 - 89 Day Jumbo CD

Touchmark National Bank IRA Rates

1.55%$100k-60 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE)
1.50%$1k-60 Month IRA (Traditional,Roth,SEP,SIMPLE)
1.40%$100k-48 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE)
1.35%$1k-48 Month IRA (Traditional,Roth,SEP,SIMPLE)
1.30%$100k-36 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE)
1.25%$1k-36 Month IRA (Traditional,Roth,SEP,SIMPLE)
1.15%$100k-24 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE)
1.10%$1k-24 Month IRA (Traditional,Roth,SEP,SIMPLE)
1.05%$100k-18 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE)
1.00%$100k-12 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE)
1.00%$1k-18 Month IRA (Traditional,Roth,SEP,SIMPLE)
0.95%$1k-12 Month IRA (Traditional,Roth,SEP,SIMPLE)

Touchmark National Bank Locations
Touchmark National Bank3651 Old Milton ParkwayAlpharetta, GA 30005