Touchmark Bancshares, Inc.

Climate Impact & Sustainability Data (2012, 2021, 2022, 2023)

Vulnerability to interest rate increases if interest-bearing liabilities mature or re-price faster than interest-earning assets.
Significant portion of loan portfolio is to customers in a specific geographic area, making it susceptible to changes in local economic conditions.
Maintaining amounts due from banks that may exceed federally insured limits.
Vigorous competition from other financial institutions.

Interest rate risk management strategy using derivative instruments to minimize fluctuations in net income.
Loan policies and administration designed to lend only to creditworthy borrowers.
Monitoring cash flows of borrowers in commercial real estate loans.
Written policies and procedures to prevent excessive exposure to correspondent banking relationships.

Economic uncertainties remain which could negatively impact the Company as a result of the continued spread of the COVID-19 coronavirus. The outbreak is disrupting supply chains and affecting production and sales across a range of industries.