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Touchmark Bancshares, Inc. Reports Financial Growth for Third Quarter 2025

Touchmark Bancshares, Inc. (OTC Pink: TMAK), the holding company for Touchmark National Bank, has delivered noteworthy financial results for its third quarter ending September 30, 2025. The company announced this on November 7, reflecting an impressive 65% increase in net income compared to the previous quarter.

Key Highlights

In the details released, several key highlights stood out:

• - Net Income Growth: Touchmark’s net income surged to $609,000, marking a substantial recovery lagging only last year’s third quarter performance. This growth was primarily attributed to a significant increase in the net interest margin, which climbed by 75 basis points.
• - Loan and Deposit Dynamics: The bank saw a higher-than-anticipated new loan growth which subsequently brought down the percentage decline in their loan portfolio, promising a positive turnaround in net loan growth for the fourth quarter of 2025.
• - Operational Improvements: There was also a notable reduction in other real estate owned (OREO), with a decrease of $1.1 million achieved without incurring additional losses. The bank strategically minimized its non-core deposits and transitioned customers from retail CD accounts to more beneficial money market accounts.

According to Bobby Krimmel, President and CEO of Touchmark National Bank, the third quarter's results were encouraging, driven by a robust rise in loan yields and declines in deposit costs. He stated, “New loan growth for the quarter was stronger than anticipated and resulted in the lowest percentage decline in the loan portfolio since December 2023. We expect net loan growth to turn positive for the fourth quarter of 2025, three months faster than previously expected.”

Financial Performance Overview

• - Interest Income: Total interest income for Q3 2025 was reported at $6.1 million, despite a notable decrease compared to the prior year’s corresponding quarter. However, this figure signals an improvement over sequential quarters as interest expenses also saw a decline, resulting in increased net interest income.
• - Deposits: Total deposits decreased by $44 million or 11% compared to last year, reflecting a strategy to refine the bank’s deposit base while replacing lost balances through new customer growth.
• - Asset Quality and Capital Structure: Nonperforming assets notably fell to $6.5 million from $11.1 million a year prior and improved liquidity has positioned the bank favorably for anticipated loan growth.

Future Outlook

Looking ahead, the bank aims to capitalize on the momentum from Q3 results. With a healthy pipeline of $35 million in loan opportunities, the leadership at Touchmark is optimistic about sustaining this growth trajectory. The addition of a Senior Credit Officer is also expected to bolster the bank’s lending capabilities and overall operational structure.

As of September 30, 2025, Touchmark Bancshares reported total assets of $418 million, with shareholders' equity of $73 million, demonstrating a stable foundation for future growth. Overall, with significant strides made in the third quarter, Touchmark Bancshares is poised for continued success as it navigates the complexities of the financial landscape.

For additional information on Touchmark Bancshares, Inc. and its performance milestones, please visit their official site at Touchmark National Bank under Investor Relations.