Touchmark National Bank

3651 Old Milton Parkway
Alpharetta, GA 30005
(770) 407-6700
www.touchmarknb.com

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Touchmark National Bank is headquartered in Alpharetta and is the 135^th largest bank in the state of Georgia. It is also the 4,274^th largest bank in the nation. It was established in 2008 and as of December of 2012, it had grown to 25 employees at 3 locations. Touchmark National Bank has a 4-star health rating.

I Have A Reward Checking Account At Touchmark (Forum) - 2/5/2010

I have a Reward Checking account at Touchmark. Today I received a letter in the mail indicating that the rate was dropping from 4.18% to 3%. It's been 4.18 for a long time and used to be on balances up to $50K but they lowered that to $25K cap

As Of Oct 1St/2009 4 (Forum) - 12/9/2009

As of OCt 1st/2009 4.18%APY Balances up to $25,000 1.01% APY Balances over $25,000 0.25% APY if qualifiers are not met

3.01% Reward Checking Account at a Georgia Bank (Touchmark National) - 8/13/2008

Update 9/07/09: The balance cap is scheduled to fall to $25,000 effective October 1st. See bottom of the post for the rate history.Touchmark National Bank is offering a rewards checking account that pays 4.18% APY on balances up to $25,000 (1.01% for...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Touchmark National Bank Checking Account Rates

Apy	Min	Max	Product
0.25%	$25k	-	Gold Checking
0.10%	$1,500	-	Interest Checking
0.05%	$2,500	-	Business Interest Checking

Touchmark National Bank Savings Account Rates

Apy	Min	Max	Product
0.30%	$100	-	Personal Savings
0.30%	$100	-	Business Savings

Touchmark National Bank Money Market Rates

Apy	Min	Max	Product
0.60%	$250k	-	Business Money Market
0.55%	$250k	-	Personal Money Market

Touchmark National Bank CD Rates

Apy	Min	Max	Product
1.36%	$100k	-	60 Month Jumbo CD
1.36%	$100k	-	Business 60 Month Jumbo CD
1.31%	$1k	-	60 Month CD
1.31%	$1k	-	Business 60 Month CD
1.11%	$100k	-	48 Month Jumbo CD
1.11%	$100k	-	Business 48 Month Jumbo CD
1.06%	$1k	-	48 Month CD
1.06%	$1k	-	Business 48 Month CD
1.00%	$100k	-	36 Month Jumbo CD
1.00%	$100k	-	Business 36 Month Jumbo CD
0.95%	$1k	-	36 Month CD
0.95%	$100k	-	24 Month Jumbo CD
0.95%	$100k	-	Business 24 Month Jumbo CD
0.95%	$1k	-	Business 36 Month CD
0.90%	$1k	-	24 Month CD
0.90%	$1k	-	Business 24 Month CD
0.85%	$100k	-	18 Month Jumbo CD
0.85%	$100k	-	Business 18 Month Jumbo CD
0.80%	$1k	-	18 Month CD
0.80%	$100k	-	12 Month Jumbo CD
0.80%	$100k	-	Business 12 Month Jumbo CD
0.80%	$1k	-	Business 18 Month CD
0.75%	$1k	-	12 Month CD
0.75%	$1k	-	Business 12 Month CD
0.50%	$100k	-	6 Month Jumbo CD
0.50%	$100k	-	Business 6 Month Jumbo CD
0.45%	$1k	-	6 Month CD
0.45%	$1k	-	Business 6 Month CD
0.30%	$100k	-	3 Month Jumbo CD
0.30%	$100k	-	Business 3 Month Jumbo CD
0.25%	$1k	-	3 Month CD
0.25%	$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

Apy	Min	Max	Product
1.36%	$100k	-	60 Month Jumbo IRA
1.36%	$100k	-	60 Month Jumbo Roth IRA
1.36%	$100k	-	60 Month Jumbo SEP IRA
1.36%	$100k	-	60 Month Jumbo SIMPLE IRA
1.31%	$1k	-	60 Month IRA
1.31%	$1k	-	60 Month Roth IRA
1.31%	$1k	-	60 Month SEP IRA
1.31%	$1k	-	60 Month SIMPLE IRA
1.11%	$100k	-	48 Month Jumbo IRA
1.11%	$100k	-	48 Month Jumbo Roth IRA
1.11%	$100k	-	48 Month Jumbo SEP IRA
1.11%	$100k	-	48 Month Jumbo SIMPLE IRA
1.06%	$1k	-	48 Month IRA
1.06%	$1k	-	48 Month Roth IRA
1.06%	$1k	-	48 Month SEP IRA
1.06%	$1k	-	48 Month SIMPLE IRA
1.00%	$100k	-	36 Month Jumbo IRA
1.00%	$100k	-	36 Month Jumbo Roth IRA
1.00%	$100k	-	36 Month Jumbo SEP IRA
1.00%	$100k	-	36 Month Jumbo SIMPLE IRA
0.95%	$100k	-	24 Month Jumbo IRA
0.95%	$1k	-	36 Month IRA
0.95%	$100k	-	24 Month Jumbo Roth IRA
0.95%	$1k	-	36 Month Roth IRA
0.95%	$100k	-	24 Month Jumbo SEP IRA
0.95%	$100k	-	24 Month Jumbo SIMPLE IRA
0.95%	$1k	-	36 Month SEP IRA
0.95%	$1k	-	36 Month SIMPLE IRA
0.90%	$1k	-	24 Month IRA
0.90%	$1k	-	24 Month Roth IRA
0.90%	$1k	-	24 Month SEP IRA
0.90%	$1k	-	24 Month SIMPLE IRA
0.85%	$100k	-	18 Month Jumbo IRA
0.85%	$100k	-	18 Month Jumbo Roth IRA
0.85%	$100k	-	18 Month Jumbo SEP IRA
0.85%	$100k	-	18 Month Jumbo SIMPLE IRA
0.80%	$100k	-	12 Month Jumbo IRA
0.80%	$1k	-	18 Month IRA
0.80%	$100k	-	12 Month Jumbo Roth IRA
0.80%	$1k	-	18 Month Roth IRA
0.80%	$100k	-	12 Month Jumbo SEP IRA
0.80%	$100k	-	12 Month Jumbo SIMPLE IRA
0.80%	$1k	-	18 Month SEP IRA
0.80%	$1k	-	18 Month SIMPLE IRA
0.75%	$1k	-	12 Month IRA
0.75%	$1k	-	12 Month Roth IRA
0.75%	$1k	-	12 Month SEP IRA
0.75%	$1k	-	12 Month SIMPLE IRA

Rates updated: 5/22/2013 * Not all products updated

Data for Q4 2012

Institution Statistics

Touchmark National Bank
FDIC Certificate #	58687
BankRate Report	View
Year Established	2008
Employees	25
Primary Regulator	OCC
Assets and Liabilities
Assets	$126.44 million
Loans	$78.19 million
Deposits	$81.41 million
Equity Capital	$26.93 million
Loan Loss Allowance	$1.79 million
Unbacked Noncurrent Loans	$542,000
Real Estate Owned	$3.86 million
Historic Data - December 2011
Assets	$127.89 million
Equity Capital	$20.05 million
Loan Loss Allowance	$1.75 million
Unbacked Noncurrent Loans	$1.25 million
Real Estate Owned	$5.38 million
Profit Margin - Quarterly
Net Interest Margin	3.95%
Return on Assets	3.39%
Return on Equity	18.52%
Interest Income	$5.51 million

Institution Health

Overall Score:

4 out of 5

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, 2012 Touchmark National Bank had $4.4 million in non-current loans and owned real-estate with $28.71 million in equity and loan loss allowances on hand to cover it. This gives Touchmark National Bank a Texas Ratio of 15.33% which is average. 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 significantly from 30.41% as of December 31, 2011 to 15.33% as of December 31, 2012, resulting in a positive change of 49.57%.This indicates that the balance sheet and financial strength for Touchmark National Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Touchmark National Bank has decreased its total deposits by -$13.36 million, resulting in -14.1% 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 poor.
Capitalization
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 $126.44 million in assets with $28.71 million in equity, resulting in a capitalization level of 22.71%, which is excellent.