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Touchmark National Bank

IDRSSD: 3645840
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2023-Q4QoQ -27

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #3645840 2023-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Risk
Reserves:Risk

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.2% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.2% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Brokered deposits above 30%
    Liquidity — Brokered 36.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↓ -27 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -64
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -3
65
Sub-score

Liquidity is stable: brokered 36.4%, loans/deposits 95.3%, cash 9.1% of assets.

Cash / Assets
9.06%
Loans / Deposits
95.34%
Brokered %
36.40%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.4% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.37%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.40%, CET1 30.40%, leverage 10.38%.

Tier 1 RBC
30.40%
CET1
30.40%
Leverage
10.38%
No watch items at this period.

Asset Quality

RiskQoQ -64
36
Sub-score

Asset quality is weak: Adjusted NPL 4.77%, Texas Ratio 37.2%, NCO YTD 1.49%.

Adjusted NPL
4.77%
Govt-guarantees stripped
Texas Ratio
37.2%
NCO YTD
1.49%
30-89 PD
2.61%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.77% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.49% of loans.

Reserves

Risk
20
Sub-score

Reserves are weak: ALLL 1.09% of loans, coverage 23.2%, true coverage 23.2%.

ALLL / Loans
1.09%
Coverage
23.2%
True Loss Coverage
23.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.2% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 09:23:49 UTC