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Touchmark National Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q1QoQ +3

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

Quarterly Headline

2025-Q1

Bank #3645840 2025-Q1 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 13.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 13.0% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.48% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +12
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +4
84
Sub-score

Liquidity is strong: brokered 3.4%, loans/deposits 96.5%, cash 9.6% of assets.

Cash / Assets
9.62%
Loans / Deposits
96.54%
Brokered %
3.41%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 44.03%, CET1 44.03%, leverage 11.97%.

Tier 1 RBC
44.03%
CET1
44.03%
Leverage
11.97%
No watch items at this period.

Asset Quality

WatchQoQ +12
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.48%, Texas Ratio 29.1%, NCO YTD 0.61%.

Adjusted NPL
4.48%
Govt-guarantees stripped
Texas Ratio
29.1%
NCO YTD
0.61%
30-89 PD
3.84%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.48% (govt-guarantees stripped).

Reserves

RiskQoQ -1
3
Sub-score

Reserves are weak: ALLL 0.58% of loans, coverage 13.0%, true coverage 13.0%.

ALLL / Loans
0.58%
Coverage
13.0%
True Loss Coverage
13.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 13.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 13.0% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.58% of loans.

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